Collection & Risk Specialist

About PayCargo

PayCargo is the trusted, global platform for logistics, helping businesses navigate the complexities of payments and invoice processing. Backed by deep industry knowledge and unrivaled AI technology, the solutions streamline financial workflows, improving transparency, and enhancing productivity.

With real-time payment capabilities and a network of 5,000+ vendors-including MSC, Maersk, ZIM, and leading air, rail, and terminal partners-PayCargo improves cash flow and ensures faster, more reliable cargo movement.

Headquartered in Coral Gables, Florida, we're the leading digital platform for air and cargo payments in North America and expanding rapidly worldwide. In 2022, PayCargo raised $130 million in Series C funding from Blackstone Growth to support our vision of becoming the global standard for B2B freight payments.

About the role:

As a Collection & Risk Specialist, you will support PayCargo's Risk and Collections Operations by vetting payer and vendor registrations, monitoring for fraud, and managing transaction reviews. You'll handle ACH returns, credit card disputes, and chargebacks across multiple platforms, while responding to inquiries and maintaining accurate records. This role requires strong attention to detail and the ability to navigate various risk and payment tools efficiently.

As the Collection & Risk Specialist, you will:

• Conduct vetting process for unsolicited and solicited payer registrations.
• Conduct vetting process for unsolicited and solicited vendor registrations.
• Conduct payer and vendor sweeps (weekly).
• Investigate fraudulent and suspicious activity via PayCargo system.
• Review and manage credit card disputes via Chargeback 911, Citi Spring, and AMEX portals (daily).
• Review all ACH returns via Cass & TD bank (daily).
• Manage ACH returns via PayCargo system (daily).
• Invoice all ACH returns via Sage and excel file.
• Respond to all customer inquiries via Outlook, Slack, and RingCentral (ACH returns & chargebacks).
• Manage transaction reviews via Fraud tools, Bluesnap, Citi Spring, and AMEX (daily).
• Review and complete bank forms and documents.
• Denounce and blacklist payer and vendor accounts.
• Manage applications such as Fraud tools, RingCentral, Slack, Dun & Bradstreet, CLEAR, GIACT, Chargeback 911, Bluesnap, Stripe, Citi Spring Gateway and Citi Spring Chargeback portal, Trulioo, Salesforce, and Sage.
• Review bank accounts daily to ensure transactions are processed successfully and communicate discrepancies to the corporate team.
• Assist the corporate team with daily account postings and monthly bank reconciliations.
• Assist with the posting of daily journal entries in Sage.
• Assist the accounting team during the month-end close.

You Are Likely to Succeed If:

• At least 1 year in collections and risk analysis experience - 3 years are preferred.
• Highly proficient in Microsoft Excel and PowerPoint.
• Familiarity with basic accounting procedures.
• Ability to calculate discounts, interest, commissions, and percentages.
• Proficient in preparing reports and business correspondence.
• Effective written and verbal communication skills.
• Able to follow written and verbal instructions.
• Excellent organizational, problem-solving, and analytical abilities.
• Acute attention to detail.
• Able to manage priorities and adapt to shifting workflows.
• Self-motivated with the ability to work independently.
• Collaborative and comfortable working as part of teams or committees.
• Committed to excellence and high standards.
• Culturally aware and able to communicate with individuals from diverse backgrounds.
• Must be able to read, write, speak, and understand the primary language(s) used in the workplace.

Experience and Education:

• The ideal candidate will have at least 1 year of experience in collections and risk analysis, with 3 years preferred.
• An A.A. or higher degree from an accredited college/university.

What We Offer:

Our compensation package includes a highly competitive salary and bonus plan.

We care about your well-being and personal life. We offer a vacation policy, sick policy, personal time off policy, and more.

Your success at PayCargo is determined by the impact that you are making, and how well you collaborate with the various teams that you interact. Everyone at PayCargo is empowered to take ownership to learn, self-improve, and master their skills in an environment focused on efficiency, collaboration, and purpose.

We are proud to be an equal-opportunity employer - We are committed to equal employment opportunity regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, marital status, disability, gender, gender identity or expression, or veteran status.