Risk Analyst

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OnPay is a fast-growing software company headquartered in Atlanta, offering a modern cloud-based payroll, HR, and benefits solution for small to midsize businesses. We’re currently seeking talented and curious individuals to join our team. We want to hear from you if you are interested in joining an exciting and fast-growing company!

We’re on a mission to combine excellent customer service with payroll expertise and superb technology — and we are scaling fast as we’ve just raised $100 million in growth funding led by Carrick Capital Partners.

The Financial Operations Team is responsible for carrying out risk assessments on new clients enrolling in OnPay and being the gatekeepers for all funds that come in from and go out to our clients and their employees. This role offers a rare opportunity to help shape and create a business function to enhance processes, improve security, and streamline client experiences.

• Conduct risk assessments on newly enrolled clients/companies to determine both authenticity and credit risk
• Review client activity for anomalous behavior
• Maintain fastidious recordkeeping throughout daily processes
• Analyze both financial and non-financial data to shape business decisions
• Collaborate with clients to achieve the most suitable outcome for all parties
• Assist clients with queries relating to our business function

• Ability to manage multiple tasks simultaneously, going from technical/financial to client interaction with ease
• Superior interpersonal skills with the ability to work with various types of clients
• Critical and creative thinker, able to formulate innovative solutions to problems
• Aptitude for data analysis
• High attention to detail
• Advanced computer skills – Microsoft Excel
• Excellent written and verbal communication
• Practical knowledge of transaction processing, specifically ACH and wire transfers
• Conceptual understanding of credit risk
• College degree preferred

• Momentum that matters:
  We’re backed by over $100 MM in new funding and scaling rapidly.
• Market-leading product:
  OnPay consistently ranks among the highest‑rated payroll solutions, earning top marks for usability, customer satisfaction, and support.
• Lead engine that delivers:
  Our marketing and partner network drives thousands of qualified leads monthly — you’ll always have warm opportunities to close.
• Remote flexibility:
  Work from anywhere in the U.S., or join our collaborative HQ team in Atlanta’s Ponce City Market if you reside in the Atlanta metro area.
• Competitive compensation:
  Base salary + uncapped commission + stock options = real upside for high performers.
• Comprehensive benefits: 4 weeks PTO + paid holidays, Medical/Dental/Vision, Short- & Long-Term Disability, Life Insurance, Fertility Benefits, Parental Leave, and a 401(k) with company match.
• Growth culture:
  Join a team with deep employee benefits experience, payroll expertise, market momentum, and a genuine commitment to helping employees grow their careers.
• Client‑first ethos:
  OnPay is built on a culture of transparency and service — from our transparent pricing to our commitment to making small business simpler.

• Remote (U.S.) | Atlanta HQ, Hybrid
• Compensation includes a salary range of $60k–65k. Final offer amounts are determined by multiple factors, including candidate experience and expertise, and may vary from the amounts listed above.

To all candidates: your personal information and online safety are top of mind for us. At OnPay, recruiters only direct candidates to apply through our official career page at . Recruiters will never request payments or ask for financial account information or sensitive information like social security numbers. If you are unsure if a message is from OnPay, please email .

OnPay is proud to be an equal opportunity workplace dedicated to pursuing and hiring a diverse workforce. We want candidates from multiple backgrounds and lifestyles to create a broader set of perspectives. We make all employment decisions without regard to gender, sexual orientation, gender identity, race, color, religion, age, pregnancy, national origin, veteran status, disability, or any other classification protected by applicable laws.

• Entry level

• Full-time

• Finance and Sales

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