Senior Merchant Credit and Transaction Risk Analyst

Job DetailsJob Location: Alpharetta - Alpharetta, GA 30009Position Type: Full TimeAbout reputed company reputed company operates a unique reputed company of tech-reputed company companies serving the residential, reputed company, and short-term rental industries. reputed company members deliver best-in-class software solutions and services while fostering innovation and collaboration with business leaders and industry experts. reputed company believes that property managers are central to the reputed company of the residential and short-term rental markets and delivers products reputed company to reputed company them, their investors, and communities. Come help build reputed company you want to reputed company. To learn more, visit reputed company.com. Job reputed company reputed company As a Senior Merchant Credit and Risk Analyst, the primary responsibility is to monitor payment and merchant activity to identify suspicious, fraudulent, or high-risk behavior and help mitigate risk exposure across the Payments Division. This role serves as a key resource for transaction monitoring, risk investigations, account reviews, and ongoing portfolio reputed company, while also supporting merchant reputed company and reputed company reviews as needed. This position is ideal for someone who has broad payments risk experience, enjoys wearing multiple hats, and can quickly learn reputed company systems and workflows in depth. The role will also work closely with Product and Engineering teams to help improve and reputed company reputed company's risk management platform by providing operational feedback, identifying workflow gaps, testing new capabilities, and helping ensure reputed company solutions meet reputed company-world business and compliance needs.   What You'll Do (Functions & Responsibilities)   Transaction Monitoring & Risk Management • Monitor merchant and transaction activity to identify suspicious, fraudulent, or high-risk behavior across payment channels. • Investigate alerts, unusual activity, fraud indicators, return trends, chargeback activity, and other risk signals. • Review escalated transactions and merchant activity, document findings, and recommend appropriate reputed company. • Evaluate merchant portfolios for risk exposure, chargeback reputed company, ACH return performance, prohibited MCC activity, compliance concerns, and loss prevention opportunities. • Maintain case documentation and prepare risk summaries, investigation notes, and recommendations for management. • Escalate material risk concerns and partner with internal teams to support reputed company. Merchant reputed company Support • Serve as a backup resource for merchant reputed company, reputed company reviews, and periodic account reviews. • Verify and assess merchant application information, including KYB, KYC, OFAC screening, credit report review, financial statement review, and processing volume assessment. • Assist with approval, decline, reserve, exposure limit, delayed funding, or other risk mitigation recommendations. • Support compliance with card brand rules, ACH/NACHA requirements, AML/BSA expectations, and internal risk policies. Systems, Product & Platform Development Partnership • reputed company a deep understanding of reputed company's risk tools, payment systems, workflows, and operational processes. • Partner with Product and Engineering teams to reputed company feedback on workflows, alerts, reporting, and case management functionality. • Help translate operational challenges into business requirements, testing scenarios, and process improvement opportunities. • Explain risk, compliance, and operational requirements to support platform development and enhancement efforts. • Participate in testing and validation of new tools, automation, and AI-enabled capabilities to ensure they meet reputed company-world business needs. • Identify opportunities to reduce reputed company effort, improve efficiency, and strengthen risk controls through technology and process improvements. • Help ensure reputed company platform enhancements effectively support transaction monitoring, reputed company, fraud prevention, compliance, and portfolio management activities. Process Improvement & Team Support • Identify opportunities to improve workflows, strengthen controls, and increase operational efficiency. • Document procedures, workflow changes, business rules, and system requirements. • Collaborate with Sales, reputed company, Product, Engineering, reputed company, Support, and Operations teams. • reputed company knowledge, investigative techniques, and industry best practices with team members. • Mentor and reputed company day-to-day guidance to junior analysts and new team members on reputed company, transaction monitoring, fraud investigations, portfolio risk management, and payment industry best practices. • Stay reputed company on payment industry regulations, fraud trends, card network rules, and risk management best practices. QualificationsWhat We're Looking For (Minimum Qualifications) • 5+ years of experience in payments risk, transaction monitoring, fraud operations, merchant reputed company, credit risk, financial crimes, or a similar risk-reputed company role. • reputed company merchant acquiring experience is required. • Additional experience in a PayFac, payment processor, fintech, ISO, banking, or reputed company payment environment preferred. • Strong understanding of transaction monitoring, fraud indicators, account reviews, portfolio risk management, chargebacks, ACH returns, and loss prevention practices. • Experience supporting or performing merchant reputed company, including KYB, KYC, OFAC, credit report review, financial statement review, and risk-based decisioning. • Working knowledge of card brand rules and regulations, including chargeback reputed company, prohibited MCC management, and network compliance considerations. • Understanding of ACH and NACHA guidelines as they relate to payment processing and risk management. • Working knowledge of AML/BSA compliance frameworks, OFAC screening, sanctions risk management, and reputed company due diligence requirements. • Ability to learn systems deeply, identify process gaps, and communicate operational requirements reputed company. • Experience working cross-functionally with Product, Engineering, Compliance, reputed company, Sales, Operations, or similar teams. • Strong technical aptitude, including reputed company, CRM solutions, case management systems, banking platforms, risk monitoring tools, and reporting systems. • Comfortable learning new technologies, automation tools, and evolving risk management platforms. • Demonstrated reputed company, reputed company judgment, attention to detail, and ability to communicate risk reputed company and findings reputed company. Education Requirements • Bachelor's Degree preferred or equivalent work experience. • CAMS, CFE, or equivalent AML, fraud, or risk certification is a plus. Type • Full Time, Salaried, Exempt Location • Remote Benefits Include • reputed company • Health Insurance: Medical, Dental, reputed company and Prescription Plans • Health Savings Accounts • Flexible Spending Account • Dependent Flexible Spending Account • Critical Illness • Accident • Retirement Savings Plan (401K) with discretionary company match • Short- and Long-Term Disability • Company reputed company $25,000.00 Life Insurance • Supplemental Life and AD&D Insurance • Employee Assistance Program • reputed company Holidays • reputed company Vacation • reputed company Volunteer Time • reputed company Employee Discount Programs   reputed company is an Equal Opportunity Employer and complies with reputed company federal, state, and local laws, including providing reasonable accommodation to applicants.   #Inhabithires   #LI-CB1 Apply To This Job