Authorized to work in the US at the time of hire (E-Verify employer).
Strong communication, critical thinking, detail-oriented, and analytical skills.
Bachelor's degree in Risk Management, Finance, or a closely related field.
At least 2 years of experience as a Financial Risk Analyst, Credit Analyst, or in a related position.
Demonstrated experience in risk analysis and modeling.
Responsibilities
Identify, assess, and mitigate risks related to merchant accounts and potential fraud.
Support the underwriting team by evaluating new merchant applications.
Monitor daily merchant processing activity for suspicious behavior and anomalies.
Analyze transaction trends, chargebacks, reserves, and credit exposure.
Conduct reviews and investigations of high-risk merchants flagged in MATCH/TMF.
Assist in evaluating new merchant applications based on risk exposure.
Recommend appropriate reserve levels, rolling reserves, or processing limits.
Benefits
Collaborative work environment with cross-functional teams.
Opportunity to leverage AI tools and data-driven technologies.
Engagement in continuous process improvement initiatives.
Exposure to industry regulations and emerging fraud trends.
Full Job Description
Compensation: This is a non-exempt position - $99,882/yr.Role Summary
The Financial Risk Analyst is responsible for identifying, assessing, and mitigating financial and fraud risks across merchant accounts through transaction monitoring, risk analysis, and ongoing portfolio management. The role also supports merchant underwriting, recommends risk mitigation strategies, and leverages data analytics and AI-driven tools to strengthen risk controls and operational efficiency.Job Responsibilities
Identify, assess, and mitigate risks related to merchant accounts, transactional behavior, and potential fraud.
Support the underwriting team by evaluating new merchant applications and assisting with risk-based decision-making during the onboarding process.
Monitor daily merchant processing activity for suspicious behavior, anomalies, and potential fraud indicators.
Analyze transaction trends, chargebacks, reserves, and credit exposure to assess and manage ongoing risk.
Conduct reviews and investigations of high-risk merchants, including those flagged in MATCH/TMF or associated with card brand violations.
Assist the underwriting team in evaluating new merchant applications by assessing risk exposure based on business models, financials, processing volume, and industry type.
Help structure deals by recommending appropriate reserve levels, rolling reserves, or processing limits.
Review supporting documentation, including bank statements, processing statements, financials, and business models, to assess risk at onboarding and during merchant lifecycle reviews.
Collaborate with Underwriting, Compliance, Legal, and Account Management teams on complex merchant approvals or escalations.
Recommend mitigation strategies such as account holds, reserve changes, or termination of high-risk merchants.
Prepare reports and presentations for internal stakeholders and regulators on portfolio risk exposure and trends.
Contribute to the enhancement of internal risk models, monitoring tools, and underwriting guidelines.
Stay informed on card brand rules (Visa, Mastercard), industry regulations, and emerging fraud trends.
Leverage AI tools and data-driven technologies to enhance productivity, risk assessment, fraud detection, operational efficiency, and continuous process improvement.
Qualifications:
Must be authorized to work in the US at the time of hire. We are an E-Verify employer!
Strong communication skills, critical thinking, detail-oriented, and analytical abilities.
Must have a Bachelor's degree in Risk Management, Finance, a closely related field, or foreign equivalent.
Must have at least 2 years of experience as a Financial Risk Analyst, Credit Analyst, or in a related position.
Must have demonstrated experience in risk analysis and modeling.
