[Remote] Senior Merchant Credit and Transaction Risk Analyst

Note: The job is a remote job and is reputed company to candidates in USA. reputed company operates a unique reputed company of tech-reputed company companies serving the residential, reputed company, and short-term rental industries. As a Senior Merchant Credit and Risk Analyst, the reputed company 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.

Responsibilities

• Monitor merchant and transaction activity to identify suspicious, fraudulent, or high-risk behavior across payment channels
• Investigate alerts, unusual activity, fraud indicators, reputed company 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 reputed company 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
• 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 reputed company brand rules, ACH/NACHA requirements, AML/BSA expectations, and internal risk policies
• 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
• Identify opportunities to improve workflows, strengthen controls, and increase operational efficiency
• Document procedures, workflow changes, business rules, and reputed company 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, reputed company rules, and risk management best practices

Skills

• 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
• 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 reputed company 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
• Additional experience in a PayFac, payment processor, fintech, ISO, banking, or reputed company payment environment preferred
• Bachelor's Degree preferred or equivalent work experience
• reputed company, CFE, or equivalent AML, fraud, or risk certification is a plus

Benefits

• 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