Credit Risk Analyst Jobs in Florida (NOW HIRING)

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We're Fiserv, a global leader in Fintech and payments, and we move money and information in a way that moves the world. We connect financial institutions, corporations, merchants, and consumers to one another millions of times a day - quickly, reliably, and securely. Any time you swipe your credit card, pay through a mobile app, or withdraw money from the bank, we're involved. If you want to make an impact on a global scale, come make a difference at Fiserv.

Job Title

What does a great Credit Risk Analyst do at Fiserv?

As a Credit Risk Analyst, you assess merchant portfolios to identify, mitigate, and reduce fraud and credit losses for our clients and for Fiserv. You will partner closely with teams such as Funding, Legal, Operations, and Client Services to investigate suspicious merchant processing activity and recommend actions that protect the firm from financial loss while supporting strong client relationships. This role requires Bilingual proficiency in English & French.

What you will do:

• Review and investigate merchant accounts to assess fraud and credit risk exposure across assigned portfolios.
• Make timely decisions on cases that require deeper investigation, identifying credit risk and emerging fraud trends.
• Coordinate risk mitigation and fraud remediation efforts with partners in Funding, Legal, Operations, and Client Services.
• Communicate high-risk activity, recommendations, and required actions clearly to internal and external stakeholders.
• Analyze and calculate financial metrics including total and average processing volume, collateral needs, and potential loss exposure.
• Negotiate collateral requirements and restructuring terms in alignment with established risk guidelines.
• Resolve merchant inquiries through outbound and scheduled calls, documenting outcomes and next steps.
• Complete special projects and ad hoc analyses to support risk initiatives and process improvements.
• Work independently and as part of a team to manage a high volume of accounts in time-sensitive, high-pressure situations.

What you will need to have:

• Must have Bilingual proficiency in English & French.
• 3+ years of experience in financial services, payments, or a related environment with exposure to fraud, risk, or credit decisioning.
• 2+ years of customer service or client-facing experience, including handling complex or adverse situations.
• Experience using Microsoft Excel and Microsoft Word to analyze data and create clear documentation.
• Strong analytical, quantitative, and problem-solving skills, including the ability to interpret financial documents and merchant processing data.
• Demonstrated ability to manage multiple priorities, organize detailed information, and meet deadlines in a high-volume environment.
• Bachelor's degree in business, finance, accounting, criminal justice, or a related field, or equivalent combination of education, related experience and/or military experience.

What would be great to have:

• Prior credit risk experience within merchant acquiring, card processing, or payments.
• Experience with MasterCard and Visa association rules and regulations related to fraud, chargebacks, and risk programs.

Sponsorship:

• You must currently possess valid and unrestricted U.S. work authorization to be considered for this role. Individuals with temporary visas including, but not limited to, F-1 (OPT, CPT, STEM), H-1B, H-2, or TN, or any candidate requiring sponsorship, now or in the future, will not be considered for this role.

This role is not eligible to be performed in Colorado, California, District of Columbia, Hawaii, Illinois, Massachusetts, Maryland, Minnesota, New Jersey, New York, Nevada, Rhode Island, Vermont or Washington.

It is unlawful to discriminate against a prospective employee due to the individual's status as a veteran.

Please note that salary ranges provided for this role on external job boards are salary estimates made by outside parties and may not be accurate.

Thank you for considering employment with Fiserv. Please:

• Apply using your legal name
• Complete the step-by-step profile and attach your resume (either is acceptable, both are preferable).

Our commitment to Equal Opportunity:

Fiserv is proud to be an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, gender, gender identity, sexual orientation, age, disability, protected veteran status, or any other category protected by law.

If you have a disability and require a reasonable accommodation in completing a job application or otherwise participating in the overall hiring process, please contactAskHR.US@fiserv.com. Please note our AskHR representatives do not have visibility to your application status. Current associates who require a workplace accommodation should refer to Fiserv's Disability Accommodation Policy for additional information.

Note to agencies:

Fiserv does not accept resume submissions from agencies outside of existing agreements.Please do not send resumes to Fiserv associates. Fiserv is not responsible for any fees associated with unsolicited resume submissions.

Warning about fake job posts:

Please be aware of fraudulent job postings that are not affiliated with Fiserv. Fraudulent job postings may be used by cyber criminals to target your personally identifiable information and/or to steal money or financial information. Any communications from a Fiserv representative will come from a legitimate Fiserv email address.