Job Title: Sr. Risk Analyst - Billing & Payments
Department: Risk Management & Collections
Location: Miami, FL (Hybrid - 4 Days On-Site)
Reports To: Chief Risk Officer
Type: Full-Time
FLSA: Exempt
Job Summary
The Sr. Risk Analyst - Billing & Payments manages and optimizes an automated AutoPay system to keep BMG's customer base current while actively mitigating operational risk. This role applies advanced data and coding skills to maintain the billing intelligence layer, driving cross-functional automation across Technology, Operations, and Collections to pull accounts out of early-stage collections.
Duties, Responsibilities & Key Deliverables
- Billing Driver Files: Authors, refines, and executes daily and weekly automated data extraction scripts to generate production-ready batch billing files.
- Plastic Lifecycle & Return Code Rules: Manages the operational lifecycle of plastic payment instruments, configuring automated routing logic based on downstream industry return codes to protect processing continuity.
- Root-Cause Population Analytics: Analyzes active payroll processing populations, integrating Census and Verification Service reports to diagnose failures (e.g., job or schedule changes).
- Workflow & Decision Tree Logic: Designs and programs systemic decision trees to automate allotment re-onboarding and schedule adjustments in compliance with internal and 3rd-party guidelines.
- Billing Control Reporting: Builds and maintains an automated daily Billing Control Report dashboard used by Operations to audit file integrity and monitor processing success rates.
- Compliance Infrastructure: Hardens payment streams against operational risk by programming strict logic filters for NACHA retry rules, alternative processor routing, and active bankruptcy or hardship flags.
- SOPs & Process Flows: Authors comprehensive Standard Operating Procedures (SOPs) mapping out technical architecture, data lineage, and error-handling steps to minimize key-person risk.
Required Skills/Abilities
- Technical Tools: Proficiency in professional-grade database, data manipulation, and coding tools (e.g., SQL, Excel, Python).
- Domain Expertise: Strong understanding of high-volume payment processor systems, return code structures, and automated compliance frameworks (e.g., NACHA).
- Collaboration & Discretion: Ability to execute workflows independently across engineering teams while maintaining strict governance over sensitive billing data.
Education and Experience
- Bachelor's degree in a highly quantitative field (Data Science/Analytics, Math/OR/Stats, Economics) required; Advanced degree preferred.
- Minimum of 2 years of direct experience in Risk Management (Operational Risk or Credit Risk) with focus on Billing and Payments risk management and optimization.
- Minimum of 5 years of professional experience in the Financial Industry preferred.
Physical Requirements
- Prolonged periods of sitting at a desk and working on a computer.
- Must maintain consistent commuter readiness for an on-site office presence 4 days per week.
