Senior Risk Analyst

Position Summary

This role is responsible for the monitoring and investigation of credit cards, debit cards, and ACH transactions to identify fraud, credit and compliance risks associated with the payments. The Senior Risk Investigator will also be responsible for researching, resolving, and analyzing chargeback and retrieval discrepancies to recover funds for clients.

The position plays a key role in preventing losses for customers and business that may result from unauthorized payment activities, and for maintaining the integrity of business transactional operations.

• Understanding of different payment types (credit card, ACH, digital wallets, wires) and their risk levels & risk exposures
• Aggregate and analyze data from multiple systems to make critical parameter updates and business decisions.
• Create reports, summaries, presentations, and documents to display results of account performance trends and variances with analysis for recommended adjustments to controls and analytical models.
• Investigate data and identify fraud trends and schemes & make system recommendations
• Communicate performance trends to management personnel as appropriate
• Work with different teams (support, sales, product, engineering) to drive business outcomes
• Resolve merchant & partner inquiries with timeliness & accuracy
• Ad hoc tasks as required

• Competency in all Microsoft Office Suite programs (Excel, Word, Outlook)
• Ability to think critically & solve complex problems
• Understanding of Know Your Customer / Know Your Business
• Possess the ability to be accurate with data entry
• Excellent verbal and written communication skills
• Excellent interpersonal and customer service skills
• High attention to detail
• Excellent time management skills with a proven ability to meet deadlines
• Ability to function well in a high-paced environment
• Ability to use independent judgment in resolving various issues
• Excited about leveraging AI to catch bad actors & improve manual tasks

• Experience:
  
  Minimum of five (5) years of experience in merchant and/or payment experience in the financial, ISO or agent environment
• Merchant acquiring & payment system processing experience is required (both ACH & Credit Card).

• Pay Fac knowledge is strongly preferred.
• Experience with Fiserv systems is a plus.

• Working Conditions:
  
  Call Center/Office environment.
• Physical
  
  Activities:
  
  Occasional standing, stooping, reaching and lifting up to 25 pounds.
• Physical Demands:
  Prolonged periods of sitting at a desk, typing on a computer keyboard, and speaking on the telephone. Frequent repetitive motions.