Risk & Underwriting Analyst (Fintech/Payments)

Minimum of 1 to 3 years of risk management experience in the financial services, FinTech and/or payments industry. Experience applying critical thinking and problem solving. Self-starter able to maintain a high level of accuracy in a high-speed environment. Ability to maintain confidential customer & Company information. Ability to work independently with minimal supervision. Open to learn and adapt to ongoing changes and new processes. Knowledge of risk schemes, risk prevention methods, and risk detection tools. Experienced in risk analysis, identifying fraudulent trends, managing investigations and mitigating credit and/or risk losses. Exercise sound judgment in assessing potential regulatory and reputational risks. Exceptional written and verbal communication skills. Knowledge of Aperia, ScanX, Merchant Central, CBOS, and/or TSYS a plus. Specific industry certification such as CAMS, ETA CPP, or CPFPP a plus.

Review merchant transaction details and make decisions based on parameters and processing activity. Review daily monitoring reports and take action to resolve chargeback problems. Recommend accounts for termination. Investigate accounts to identify risks (fraudulent merchants, card testing, money laundering, etc.). Review merchant exception reports and act according to procedures. Perform periodic risk-based merchant reviews. Provide backup support to the underwriting team. Contact merchants and secure supporting documentation. Contribute to root cause analysis for risk mitigation. Assist with internal quality assurance reviews. Support continuous monitoring efforts and processes. Manage portfolio risk across industries, geographies, and operating models. Manage assigned risk and underwriting initiatives.