Risk Operations Agent | Two

Fronted

Hiring partner

Two

Hiring through Fronted

Risk Operations Agent

Full-time

Remote

Who we are looking for

An analytical and detail-oriented problem-solver who thrives in a fast-paced B2B payments environment, ready to leverage human judgment to enhance cutting-edge risk decisioning.

Highlights

Fraud Detection

Credit Risk

B2B Payments

Analytical

US Time Zone

FinTech

Real-time Systems

Ownership

What You'll Bring

Proven analytical and logical thinking skills, comfortable working with data and dashboards.

Exceptional attention to detail, with a keen eye for inconsistencies and risk signals.

Practical experience in fraud detection, transaction monitoring, and manual credit underwriting.

Bonus Points If You Have

Strong communication skills to articulate decisions and reasoning to diverse technical and non-technical stakeholders.

A proactive and curious mindset, driven to continuously improve processes and risk models.

Demonstrated ownership, capable of managing tasks end-to-end with minimal supervision.

Enhancing Real-time Risk Decisioning with Human Acumen

About the Role

As a Risk Operations Agent at Two, you will be at the forefront of our mission to redefine B2B commerce. Our platform enables 'Buy Now Pay Later' for B2B transactions, powered by a real-time risk engine that automates ~99% of credit and fraud decisions. For the remaining edge cases, your sharp human judgment becomes critical. You will act as an extension of our automated risk engine, directly supporting fraud detection and credit decisioning, making data-driven decisions, and taking ownership of real business impact. This is a full-time role aligned with US working hours, offered on a fixed-term contract with the potential to convert into a permanent position based on performance.

Shape Our Fraud and Credit Systems

Your Impact & Responsibilities

🔍

Fraud & Transaction Monitoring

Review items in the fraud queue (e.g., transactions, onboarding, account checks) to determine if activity is legitimate, suspicious, or fraudulent, taking appropriate action and escalating when necessary.

✍️

Manual Risk Assessment

Evaluate cases where the risk engine decision may be incorrect (false positives/negatives) across credit limits, fraud decisions, and order verification levels, providing crucial human oversight.

🗣️

Stakeholder Communication

Respond to internal and external queries via Slack, email, or ticketing tools (e.g., Zendesk), ensuring clear and structured communication of decisions and their underlying reasoning.

💡

Process & Model Improvement

Identify patterns from daily casework and provide structured feedback to our Risk and Data Science teams to continuously improve risk models and operational processes.

📈

KPI Contribution

Actively support the team in minimizing fraud losses and maintaining high decision quality, contributing directly to Two's financial health and user trust.

Growth, Exposure, and Collaboration

What You'll Gain

✨

Hands-on Expertise

Develop practical skills in advanced fraud detection and credit underwriting within a dynamic FinTech environment.

💻

Cutting-edge Systems Exposure

Work directly with real-time risk decisioning systems and ML-driven products.

🤝

Team Collaboration

Directly collaborate with our expert Risk and Data Science teams, learning from the best.

🚀

Career Advancement

Significant opportunity to grow within Risk Operations and take on increasing responsibility as Two scales.

Reinventing B2B Payments for a Seamless Future

About Two

At Two, we are on a mission to build a unicorn in B2B commerce by reinventing how businesses pay and get paid. Our innovative platform provides net terms infrastructure that significantly boosts revenue for businesses, offering instant net term credit limits to B2B customers. We streamline sales across online, direct, and in-store channels with flexible credit options, helping businesses reduce risk, automate manual workflows, and enhance cash flow. Join us in leveling the playing field in B2B commerce, empowering businesses of every size to buy and sell on equal terms.

Where Innovation Meets Ownership

Our Culture at Two

🚀

Take Charge

We empower everyone to take ownership and accountability, celebrating learning and growth through both wins and losses.

🌟

Go Beyond

We are driven to find the best solutions for our customers, partners, and colleagues, recognizing our mission extends beyond ourselves.

💡

Let the Best Ideas Win

We encourage open sharing of ideas, collaboration, and mutual support, valuing what is said, not who says it.

Two

https://www.two.inc/

Our offering

Two is a leading B2B Payments Platform providing net terms infrastructure that significantly boosts revenue for businesses. It offers instant net term credit limits to B2B customers, leading to improved Average Order Value (AOV) and higher conversion rates. The platform streamlines sales across online, direct, and in-store channels with flexible credit options. Two's B2B toolkit helps businesses reduce risk, automate manual workflows, and enhance cash flow. Key products include Guest Checkout for instant credit, Trade Accounts for repeat buyers, In-store (POS) solutions, and Risk-as-a-Service (RaaS) featuring advanced AI-powered credit (Delphi) and fraud (Frida) decisioning engines. Additionally, it offers Order Creator for offline B2B purchases and Instalments for splitting large payments. Founded in 2020, Two aims to level the playing field in B2B commerce by removing the traditional barriers of underwriting, credit risk, and collections, thereby empowering businesses of every size to buy and sell on equal terms.