Risk Manager, Payment Fraud Operations

Overview

The Payment Fraud Operations (PFO) team plays a critical role in protecting Microsoft customers and the broader payment ecosystem from payment fraud. The team combines fraud risk decisioning, operational controls, data-driven insights, and customer remediation to manage emerging payment risks while maintaining a secure and trusted customer experience.

We are looking for a Risk Manager, Payment Fraud Operations, based in Redmond, to lead fraud risk management and operational strategy across complex payment and customer scenarios. This role is responsible for identifying and analyzing fraudulent transaction and usage patterns, making risk-based accept/reject decisions, improving fraud prevention controls, and providing robust feedback loops to payment risk models, policies, and detection strategies.

The role requires strong risk management expertise, sound judgment, analytical and problem-solving skills, and the ability to influence and collaborate effectively across Operations, Engineering, Data Science, Customer Support, and other business teams.

Microsoft's mission is to empower every person and every organization on the planet to achieve more. We foster a culture of growth, innovation, collaboration, respect, integrity, and accountability where everyone can thrive.

ResponsibilitiesFraud Risk Decisioning

• Analyze incoming transactions, customer, and usage signals to identify fraudulent behavior and make accurate, risk-based accept/reject decisions.

Risk Insights & Emerging Pattern Clustering:

• Identify emerging fraud patterns and root causes using transaction and usage data, translating insights into improved automated treatment strategies.

Customer Remediation:

• Partner with Customer Support to resolve complex escalations and improve customer remediation strategies.

• Support incident management, root-cause analysis, and remediation for payment-fraud issues.

Continuous Improvement & Operational Excellence:

• Identify and lead opportunities to streamline operations, reduce manual effort and rework, improve workflows and tooling, and increase efficiency without compromising fraud risk controls or decision quality.

Risk Model & Control Feedback:

• Provide high-quality decisioning, fraud labels and investigation insights to support risk model refinement, policy improvements, and preventative controls.

• Deep dive into quality gaps, identify root causes, and implement improvement strategies and preventative controls to reduce recurrence and strengthen risk outcomes.

Operations OKR Performance Management:

• Monitor and improve key metrics including accuracy, false positive/negative outcomes, decision time, productivity, and customer impact.