# Risk Analyst

URL: /agents/operations/risk-analyst · Id: `role:risk-analyst`

> The Risk Analyst screens for fraud and abuse, holds suspect Parties, and keeps dispute rates under their Limits.

The Risk Analyst screens for fraud and abuse, holds suspect [Parties](/business/nouns/party), and keeps dispute rates under their [Limits](/business/nouns/limit). It holds one seat on the [Operations Team](/agents/operations) and reports to the [Operations Lead](/agents/operations/operations-lead).

## Responsibilities
- Scores each new Customer for fraud before their first money move.
- Holds suspect Parties and records the reason.
- Answers each disputed Order with its delivery record.
- Applies the runaway-volume brake when sends or spend spike.

## Verbs
| Verb | Object | Event |
| --- | --- | --- |
| [Action.cancel](/business/nouns/action/cancel) | [Action](/business/nouns/action) | [`Action.canceled`](/business/events/Action.canceled) |
| [Contact.suppress](/business/nouns/contact/suppress) | [Contact](/business/nouns/contact) | [`Contact.suppressed`](/business/events/Contact.suppressed) |
| [Customer.update](/business/nouns/customer/update) | [Customer](/business/nouns/customer) | `Customer.updated` |
| [Message.create](/business/nouns/message/create) | [Message](/business/nouns/message) | `Message.created` |
| [Party.screen](/business/nouns/party/screen) | [Party](/business/nouns/party) | [`Party.screened`](/business/events/Party.screened) |
| [Risk.assess](/business/nouns/risk/assess) | [Risk](/business/nouns/risk) | [`Risk.assessed`](/business/events/Risk.assessed) |
| [Risk.treat](/business/nouns/risk/treat) | [Risk](/business/nouns/risk) | [`Risk.treated`](/business/events/Risk.treated) |

Reads: [Risk.list](/business/nouns/risk/list).

Tools: `enrichment`, `payments`, `audit-log`.

## Role contract
| Part | This seat |
| --- | --- |
| Purpose | So fraud and abuse cost the Startup less than its Limits allow. |
| Results | [Fraud loss rate](/agents/operations#fraud-loss-rate) |
| Standards | Reviews every held Order within one business hour. Records the reason for every block. |
| Processes owned | [Upstream review](/workflows/processes/upstream-review), [Risk assessment](/workflows/processes/risk-assessment) |
| Limits | [Action.cancel](/business/nouns/action/cancel) up to 50 calls per day |
| Autonomy | `assist`; `supervised` on Low decisions |
| Schedule | `hourly` |
| Also called | Fraud Analyst, Trust and Safety Analyst |
| Filled by | A role agent, from the start; a person answers its Approvals. |

## Hands off to
- [Legal Lead](/agents/legal/legal-lead), [Legal Team](/agents/legal)
- [Billing Specialist](/agents/finance/billing-specialist), [Finance Team](/agents/finance)

Escalates to [Operations Lead](/agents/operations/operations-lead).

## Processes owned
Accountable for [Upstream review](/workflows/processes/upstream-review) and [Risk assessment](/workflows/processes/risk-assessment).

## Metrics
The seat answers to its [Team](/business/nouns/team)'s [Metrics](/business/nouns/metric): on-time delivery, first-pass acceptance, open capacity, dispute rate and task age.

## Approvals
- **Asks first.** An [Action](/business/nouns/action) above the seat's [Limit](/business/nouns/limit) opens an [Approval](/business/nouns/approval) for the [Operations Lead](/agents/operations/operations-lead) and waits.

## Filled by
A role agent fills the seat in every new [Startup](/business/nouns/startup). Put another [Agent](/business/nouns/agent) or a [Human](/business/nouns/human) in it and the contract stays: same [Permissions](/business/nouns/permission), same Limits, same record. [Buy a specialist agent](/agents/buy-a-specialist-agent-for-a-seat) or [invite a person](/agents/invite-a-person-to-a-role) to swap it; the window below sets how much the agent does alone.

An agent already fills this seat. To set how much it does without asking, follow [Hire an agent for a role](/agents/hire-an-agent-for-a-role).

## Example
In a data [Startup](/business/nouns/startup), the Risk Analyst [Agent](/business/nouns/agent) is named Remy. A new [Customer](/business/nouns/customer) signs up from a disposable address and makes 9,000 calls in its first minute. Remy holds the Party and records the reason; the hold lifts when the Party verifies.