Role
Sr. Risk Analyst
Why You’ll Love Working Here
· Join a high-growth fintech organization serving more than 50,000 clients nationwide.
· Work in a collaborative, entrepreneurial environment that values accountability, innovation, urgency, and continuous improvement.
· Gain exposure to multiple areas of the business, including payments, merchant acquiring, merchant cash advances, agent lending, and strategic growth initiatives.
· Partner with experienced operations, underwriting, and risk professionals who are committed to mentorship and professional development.
· Make a visible impact within a lean, high-performing team where employees are encouraged to take ownership and influence outcomes.
The Opportunity
The Sr. Risk Analyst is responsible for managing and monitoring a merchant portfolio with a focus on risk assessment, fraud prevention, chargeback mitigation, transaction review, account reconciliation, reserve management, and portfolio performance. This individual proactively identifies emerging risks, investigates unusual activity, recommends risk mitigation strategies, and collaborates across departments to protect the business while supporting merchant growth. The role requires strong analytical judgment, hands-on experience with merchant acquiring systems, and the ability to influence portfolio performance through data-driven decision-making.
The Company
Founded in 2003, this private fintech company has evolved from a merchant processor into a full-service financial technology provider offering payment processing, point-of-sale solutions, working capital products, and related services for small and midsize businesses. The organization serves more than 50,000 merchants across the United States and continues to invest in technology, innovation, and operational excellence to deliver secure, scalable payment solutions.
Work Environment
· Location: Onsite in Boca Raton, FL is preference.
· Remote: Open to consideration of US based candidates.
· Fast-paced, high-growth fintech environment.
· Collaborative operations team that works closely with underwriting, sales, and support.
· Individual contributor position with significant cross-functional interaction.
· Opportunity to work alongside experienced professionals in a performance-driven culture focused on learning and continuous improvement.
Reports to
VP of Operations
Employment Type
Full-Time, W2, Direct Hire
Benefits
· Medical, dental, and vision insurance.
· 401(k) plan.
· Life insurance.
· Bonus opportunity.
· Profit-sharing program.
· Career advancement through mentorship, training, and hands-on experience.
· Opportunity to join a respected fintech organization focused on innovation and growth.
Responsibilities
· Manage and monitor a portfolio of merchants across card-present and card-not-present channels.
· Review daily transaction activity, clearing activity, and account reconciliations to identify potential risk exposure.
· Conduct ongoing portfolio reviews using merchant financials, processing behavior, underwriting documentation, and transaction trends.
· Investigate suspicious activity, fraud indicators, excessive chargebacks, ACH returns, and other risk events.
· Establish, maintain, and adjust risk controls, including rolling reserves, funding delays, and other reserve strategies.
· Monitor merchant performance using risk models, portfolio metrics, and established policy thresholds.
· Review monthly loss trends and perform root cause analysis to improve risk management practices.
· Process and manage ticketing requests related to portfolio monitoring and risk operations.
· Perform TSYS debit reconciliations and support daily operational risk functions.
· Escalate and manage compliance-related concerns involving KYC, KYB, AML, SAR, and OFAC requirements.
· Collaborate with underwriting, sales, operations, and support teams to resolve risk-related issues.
· Engage with merchants to address concerns, communicate risk findings, and implement mitigation strategies.
· Identify portfolio-level trends and recommend enhancements to risk policies, controls, and operational processes.
· Manage approximately 50 new merchant IDs per month while maintaining portfolio health and performance.
Requirements
· 2+ years of risk management experience within merchant acquiring, payments, fintech, or an ISO environment.
· Experience managing credit risk, fraud exposure, chargebacks, and portfolio performance.
· Hands-on experience with TSYS, including CBOS, Green Screens, PPM, and related ticketing systems.
· Experience with daily transaction clearing, account reconciliation, and portfolio monitoring.
· Experience implementing and managing reserve structures, funding delays, and other risk controls.
· Strong understanding of payment networks, card brand regulations, PCI DSS, ACH, and payment facilitation models.
· Working knowledge of KYC, KYB, AML, SAR, and OFAC requirements.
· Strong analytical and investigative skills with advanced Excel proficiency.
· Experience using SQL and/or Python for data analysis.
· Familiarity with merchant agreements, financial statement analysis, and reserve structures.
· Strong communication skills and the ability to make sound decisions in a fast-paced environment.
· Ability to work independently while collaborating effectively across departments.
Preferences
· Experience with Fiserv platforms, including Omaha and North platforms.
· Experience with collections, liens, and chargeback or refund recovery processes.
· Experience supporting high-risk merchant portfolios.
· Experience using data modeling or risk analytics platforms.
Miscellaneous
· Must be legally authorized to work in the United States.
· Visa sponsorship not available.
· Individual contributor role.
· Primarily supports a portfolio of low-risk merchants, with exposure to higher-risk accounts as needed.