Senior Risk Analyst, Merchant Acquiring

At Touch Suite, risk management is more than identifying problems. It's about protecting our merchants, preserving financial stability, and making informed decisions that allow responsible business growth.

We're looking for someone who understands merchant acquiring, takes ownership of the portfolio, and brings the judgment and practical experience needed to make a difference from day one.

Experience: 5+ years in merchant acquiring risk, underwriting, fraud prevention, or related payment risk operations

Processor Platforms: Hands‑on experience with Fiserv Access One and/or TSYS CBOS required
. Experience with both is strongly preferred.

Compensation: $80,000–$90,000 annual base salary, plus performance‑based incentive opportunities

Work Arrangement: On‑site or hybrid strongly preferred in Boca Raton, FL. Remote candidates will be considered if exceptionally well qualified.

Touch Suite is seeking an experienced Senior Payment Risk Analyst to protect our merchant portfolio from fraud and financial loss while keeping good merchants processing without unnecessary friction.

We're looking for a merchant acquiring risk professional who can independently identify emerging risks, evaluate financial exposure, make sound decisions, and take timely action to protect our merchants, processing partners, and business.

This is a hands‑on, operationally focused position. You will work directly within our processor platforms, Fiserv Access One and TSYS CBOS, monitoring merchant activity, investigating exceptions, managing financial exposure, and making defensible risk decisions.

You’ll be the person our teams rely on for fast, clear, and well‑supported risk assessments. We need someone who takes ownership of issues, recommends solutions, and balances protecting the portfolio with supporting responsible merchant growth.

If you thrive in a fast‑paced environment, enjoy investigating complex problems, and understand the importance of balancing risk with business opportunity, this is an opportunity to make a meaningful impact.

Monitor and Manage Merchant Portfolio Risk

• Independently monitor and manage risk across an established merchant acquiring portfolio, identifying emerging credit exposure, unusual processing activity, and potential fraud before losses occur.
• Review daily processor exception reports, risk alerts, and merchant processing activity, prioritizing and resolving issues within established service levels.
• Identify early warning indicators, including unusual processing volume, unexpected ticket sizes, card testing, excessive refunds, suspicious transaction patterns, and activity inconsistent with approved merchant profiles.
• Investigate merchants exhibiting increased financial exposure, processing irregularities, or changing business circumstances.
• Monitor chargeback activity, processing trends, and merchant financial performance to identify accounts requiring additional review or intervention.
• Recommend and implement appropriate risk controls, including transaction holds, processing limits, maximum transaction limits (MXL), and account‑level risk settings, within established authority.
• Escalate significant exposures promptly, providing clear findings and recommended actions rather than simply referring issues to others.

Make Independent, Defensible Risk Decisions

• Evaluate merchant risk using transaction history, financial information, business models, industry exposure, and other relevant indicators.
• Conduct periodic and event‑driven reviews of existing high‑risk merchants, reassessing their risk profiles as processing activity and business conditions change.
• Recommend or approve appropriate risk mitigation measures, including reserves, volume caps, delayed funding, and…