Lead Merchant Risk Analyst
New
W
WisetackFintech Lending
Remote, USAFull-TimeLead
Salary120,800 - 169,100 USD per year
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Job Details
- Experience
- 5+ years
- Required Skills
- PythonSQLMachine LearningData analyticsR
Requirements
- Bachelor's degree in a quantitative field or equivalent practical experience
- 5+ years of experience in fraud, merchant risk, payments risk, or financial services analytics
- Strong SQL proficiency
- Experience using Python, R, SAS, or similar tools to analyze complex datasets
- Experience working with risk models, machine learning outputs, or rules-based strategies
- Familiarity with merchant onboarding, KYB/KYC, identity/business verification, sanctions screening, and fraud vendor integrations
- Experience collaborating with Data Science and Data Engineering teams
- Strong communication, ownership, and judgment
Responsibilities
- Lead analytical work across the merchant risk lifecycle, including onboarding, KYB/KYC, transaction monitoring, and merchant decisioning
- Build and maintain queries, dashboards, alerts, and reporting that identify fraud patterns, emerging risks, and control gaps
- Investigate high-risk merchant activity, including business misrepresentation, suspicious transactions, inflated invoices, collusion, refund abuse, and account takeover
- Translate findings into clear recommendations that improve risk controls, merchant experience, and business outcomes
- Measure the impact of rule changes, segmentation strategies, and risk experiments on fraud losses, approval rates, false positives, and customer experience
- Partner with Data Science, Data Engineering, and third-party vendors to evaluate risk signals, models, data quality, and monitoring infrastructure
- Contribute to the development of scalable monitoring, decisioning, and automation capabilities, including AI-enabled workflows where appropriate
- Help identify emerging merchant fraud trends and opportunities to strengthen Wisetack's risk strategy
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