Security & Risk Analyst Job at SpotHero (Chicago)

Job Description

As a Security and Risk Analyst at SpotHero, you will be responsible for safeguarding our marketplace, preventing financial losses, and protecting customer trust. This role is essential to SpotHero’s ability to provide a secure, seamless payment experience and maintain our relationships with our payment partners. The Security and Risk Analyst will identify and stop fraudulent transactions before they occur, reduce dispute ratios and associated fees, and ensure our marketplace remains a trustworthy environment for drivers and partners alike. Your work will directly preserve revenue, reduce chargebacks, and strengthen SpotHero’s risk posture across the platform. This is a great opportunity for someone looking to grow in the areas of data-driven fraud prevention and security operations within a fast-paced dynamic environment.

Job Responsibility

Monitor real-time transactions, user activity, and system alerts to identify emerging fraud indicators
Investigate suspicious transactions involving CNP fraud, account takeovers, identity misuse, discount/promo abuse, and other marketplace-specific risks
Apply a preventative mindset to ensure secure payments and minimize payment disputes, chargeback fees, and operational exposure
Analyze transaction data to identify fraud trends, behavioral anomalies, and systemic vulnerabilities
Propose rule adjustments, thresholds, and workflow improvements to reduce vulnerabilities and fraud losses
Partner with Software Security, Data, Product, Engineering, and Operations to strengthen controls and inform fraud mitigation strategies
Provide fraud-focused recommendations during product launches, payment flow updates, or new feature development to ensure preventive controls are embedded early
Contribute to the enhancement of dashboards, review queues, case management workflows, and reporting accuracy
Identify opportunities to automate manual review tasks and enhance detection logic
Maintain precise, audit-ready documentation that supports dispute evidence, compliance requirements, and internal risk governance
Contribute to policy and process updates for fraud prevention and security
Educate internal teams on fraud awareness and best practices

Requirements

3–5+ years of experience in fraud detection, risk analysis, or payments fraud within a high-volume marketplace, fintech, or e-commerce environment
Strong analytical skills with the ability to identify patterns and anomalies in large data sets using dashboards, fraud tools, and/or SQL for deeper pattern analysis
Experience working with payment processors and familiarity with chargeback workflows and evidence collection
Familiarity with online payment systems, account authentication, or transaction monitoring
Strong communication skills for sharing findings, risks, and insights with both technical and non-technical stakeholders
Exceptional attention to detail, accuracy in documentation, and the ability to operate independently in a fast-paced environment
Knowledge of PCI-DSS and other compliance standards

What we offer

We cover a generous portion of Medical Premiums, 50% of Dental and Vision Premiums, company-sponsored Life Insurance, STD, and AD&D coverage, a 401(k) with match and immediate vesting, and comprehensive leave policies
Canada: We offer Medical (prescription drug and paramedical coverage), Dental, Vision, Life Insurance, STD, and LTD
Flexible PTO policy and outstanding work/life balance
Grubhub weekly lunch stipend for in-office days (Uber Eats for Canada)
Udemy License and Personal Learning Budget
Annual parking stipend
The opportunity to collaborate with fun, innovative, and passionate people in a casual yet highly productive atmosphere
Our commitment to allyship has been a central driver of how we Respect Fellow Drivers. You’ll have the opportunity to be part of Employee Resource Groups, access allyship learning resources, and actively contribute to our ongoing effort of making SpotHero inclusive for all
Employee programs to grow and support our people such as Discovery Days for Product and Engineering, Gearing up for Aspiring Leaders, and Mentorship Program
Wellness program – a workplace that actively supports your physical and mental wellbeing through ongoing events, initiatives, resources, and thoughtful perks and benefits

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Security & Risk Analyst

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