[Remote] Sr. Risk Analyst

Note: The job is a remote job and is open to candidates in USA. Davis Talent Search is a high-growth fintech organization serving over 50,000 clients nationwide. The Sr. Risk Analyst is responsible for managing and monitoring a merchant portfolio, focusing on risk assessment, fraud prevention, and transaction review to support merchant growth while mitigating risks.

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

Skills

• 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
• 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

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.

Company Overview