Senior Risk Analyst

We are Route

Buying stuff online can get messy once you hit that “order” button. Managing dozens carrier tracking links, dealing with lost or damaged packages, and resolving issues with customer support can feel like a wild goose chase. That’s why we created the Route  — to make the post-purchase experience for consumers like you, and the brands you love, as seamless as possible. 

Route is on a mission to connect the world’s commerce. Through our network of millions of Route App users and thousands of merchants, we’re making it easier than ever for consumers to track, insure, and discover their favorite products in one place — which connects the world’s best direct-to-consumer brands to happy, repeat customers.

Since Route launched in 2018, we’ve been on a journey to build innovative products that empower our customers, all while fostering a people-first, values-driven company culture. We’re looking for talented people across the ecommerce space to join us on the next steps of this adventure.

Don’t just take our word for it! Discover what life at Route has to offer.

The team

The Risk Prevention team sits at the heart of Route’s Customer Experience organization. This tight-knit, cross-functional group is responsible for protecting our platform from fraud, identifying trends in high-risk claims, and building smarter processes that scale responsibly.

We work closely with teams across Legal, Compliance, Claims, and Customer Success to deliver a post-purchase experience that’s both seamless and secure.

If you join us, you’ll be part of a high-trust, high-impact team that values thoughtful collaboration, clear communication, and strategic thinking just as much as speed. We believe diverse perspectives make us stronger, and we work together to create solutions that protect our customers, our partners, and the Route community.

The opportunity

As a Senior Risk Analyst, you’ll play a pivotal role in safeguarding Route and our merchant partners from financial risk. You’ll lead our risk mitigation strategy, oversee fraud prevention initiatives, and serve as a strategic thought partner to Legal, CX, and Product teams as we scale our risk framework and adapt to emerging threats.

This role is ideal for someone who loves untangling complex problems and brings both sharp analytical skills and people leadership experience to the table.

What you’ll do

• Develop and lead Route’s holistic fraud and claims risk mitigation strategy
• Mentor Risk Analysts, ensuring alignment with team goals and individual growth
• Identify fraudulent actors and behaviors through data analysis and investigation of claims
• Assess and monitor merchant accounts for trends that indicate financial risk
• Partner with third-party fraud prevention vendors and monitor performance
• Lead response efforts for abnormal fraud activity, conducting root cause analysis and implementing long-term solutions
• Collaborate cross-functionally with Legal, Compliance, and Claims teams to ensure risk policies align with regulatory requirements
• Collaborate with Product to build and refine processes that improve operational efficiency and reduce losses
• Support frontline teams with fraud-related inquiries, communication, documentation, and escalations
• Must be willing to work with team members to provide weekday coverage for our customers during the holidays

What we’re looking for

• 4+ years of experience in fraud prevention or risk operations, (ecommerce, fintech, or insurance preferred)
• Strong data analysis skills, including experience with tools like SQL, Looker, or similar
• Leadership experience with the ability to develop and mentor team members
• Proactive, curious mindset with a knack for identifying risk before it materializes
• Clear, confident communicator who can translate data into actionable insights
• Familiarity with fraud detection tools and third-party risk platforms
• Comfortable in a fast-paced, ever-changing startup environment
  

Equal opportunity for all

Route is an Equal Opportunity Employer. We embrace diversity and equal opportunity in a serious way. We are committed to building a team that represents a variety of backgrounds, perspectives, and skills. The more inclusive we are, the better our work will be.

Total Rewards

We know our team works best when everyone feels happy, healthy, and supported. We offer to pay 95% - 100% of your health insurance premiums for you and your family, remote or hybrid work arrangements, unlimited PTO, 401k matching, formalized growth opportunities, learning & development, DEI programs & events, and so much more.

Pay Transparency

Salary for this role: 

Nationwide: $76,000 

San Francisco Bay Area : $93,000 

Los Angeles/ Orange County: $80,000 

New York: $82,000 

The cash compensation above includes base salary, and is not reflective of potential commission for employees in eligible roles, or annual bonus targets under Route’s bonus plan for eligible roles. In addition to cash compensation, all Route employees are eligible to participate in Routes equity incentive plan to receive stock options per the terms of the agreement. Some roles may also be eligible for overtime pay. Individual compensation packages are based on a few different factors unique to each candidate, including their career level, skills, experience, specific geographic location qualifications and other job-related reasons.