Risk Operations Specialist

Risk Operations Specialist at Realtor.com®

At Avail by Realtor.com®, we’re hiring a Risk Operations Specialist to join our Payments Operations team as an individual contributor. In this role, you will support payment operations and risk workflows that help protect customers, funds movement, and platform integrity.

This position is responsible for day-to-day payment processing, customer verification and compliance-related reviews, and maintaining accurate payment records and reconciliations. The role also partners closely with cross-functional teams to resolve payment issues, support regulatory processes, and improve operational efficiency across the payment lifecycle.

The ideal candidate brings a strong risk mindset, attention to detail, and a proactive approach to identifying process improvements that strengthen controls and enhance the customer experience. This role may also require availability during select company holidays when banking systems remain operational.

Top Reasons to Apply:

• You’ll play a meaningful role in protecting customers, funds movement, and platform integrity through hands-on payment risk operations

• You’ll gain experience across customer verification, fraud detection, payment review, reconciliations, and regulatory support

• You’ll work closely with cross-functional partners to help resolve payment issues and support a reliable customer experience

• You’ll have the opportunity to identify process gaps, spot risk trends, and contribute to improvements that strengthen controls and operations

• You’ll be joining a team that cares about people, purpose, and performance

What You’ll Do:

• Review and certify payments for new customers, ensuring KYC requirements are met

• Prepare and approve the daily NACHA file prior to bank delivery, including identity verification, fraud detection, policy enforcement, customer follow-up, and daily bank reconciliation

• Create, maintain, and reconcile the Payment Tracker as needed

• Apply payment policies and operational procedures consistently across all payment processing activities

• Identify risks within payment processes and recommend improvements to address control gaps and strengthen operational efficiency

• Serve as a key interface with the Care Team and other cross-functional partners for payment-related activities and issue resolution

• Investigate invoice discrepancies, past-due invoices, and refund requests with a focus on accuracy, timeliness, and customer experience

• Conduct customer outreach as needed to support payment verification and authorization

• Support regulatory and compliance-related workflows, including sanctions screening, reporting support, and dispute-related processes

• This role may require support during select company holidays when banks remain open

What You’ll Bring: 

• 2+ years related experience in payments, fraud, financial services, trust & safety, back-office operations, compliance, KYC, or risk operations

• Demonstrated ability to investigate complex payment issues, identify root causes, and improve processes in high-risk or high-ambiguity environments

• Strong judgment, professional ethics, and attention to detail, with the ability to complete work promptly and accurately

• Strong written and verbal communication skills, with the ability to partner effectively across teams and handle sensitive matters with clarity and professionalism

• A high degree of diplomacy, motivation, and tact while carrying out responsibilities

How We Work:

We balance creativity and innovation on a foundation of in-person collaboration. For most roles, our employees work three or more days in our offices, where they have the opportunity to collaborate in-person, adding richness to our culture and knitting us closer together. This is a hybrid role based in our Scottsdale office 3 days per week. 

How We Reward You:

Realtor.com is committed to investing in the health and wellbeing of our employees and their families. Our benefits programs include, but are not limited to:

• Inclusive and Competitive medical, Rx, dental, and vision coverage
• Family forming benefits
• 13 Paid Holidays
• Flexible Time Off
• 8 hours of paid Volunteer Time off
• Immediate eligibility into Company 401(k) plan with 3.5% company match
• Tuition Reimbursement program for degreed and non-degreed programs
• 1:1 personalized Financial Planning Sessions
• Student Debt Retirement Savings Match program
• Free snacks and refreshments in each office location