ZipRecruiter

Log In

1

Freelance Merchant Risk Analyst Jobs (NOW HIRING)

Wisetack

Lead Merchant Risk Analyst

We're looking for a Lead Merchant Risk Analyst to help shape how we detect, investigate, and respond to merchant fraud across the merchant lifecycle. This is a senior individual contributor role that ...

The OLB Group Inc.

Risk Analyst

New York, NY · On-site

We understand every merchant account is different, which is why we are a preferred global partner ... Overview The Risk Analyst is primarily responsible for analyzing and calculating financial risk ...

Payarc LLC

Risk Analyst

Greenwich, CT

Job Summary Risk Analyst is responsible to review and analyze financials and credit of merchant accounts, merchant financial and activity risk, compliance with law and association rules and other ...

Payarc LLC

Risk Analyst

Greenwich, CT · On-site

$70K/yr

Job Summary Risk Analyst is responsible to review and analyze financials and credit of merchant accounts, merchant financial and activity risk, compliance with law and association rules and other ...

Fortis Payment Systems LLC

Risk Analyst

Plano, TX · On-site

Access Risk systems daily and analyze merchants who exceed established risk parameters * Review risky transactions across multiple systems and payment types * Review whether to hold funds for review ...

Fortis Payment Systems LLC

Risk Analyst

Plano, TX · On-site

Access Risk systems daily and analyze merchants who exceed established risk parameters * Review risky transactions across multiple systems and payment types * Review whether to hold funds for review ...

Fortis

Risk Analyst

Plano, TX

Access Risk systems daily and analyze merchants who exceed established risk parameters * Review risky transactions across multiple systems and payment types * Review whether to hold funds for review ...

Fanatics Betting & Gaming

Risk Analyst

New York, NY

Overview The Junior Risk Analyst will support the Futures Commission Merchant (FCM) Operational Risk function, focusing on identifying, assessing, monitoring, and mitigating operational risks across ...

Fanatics Betting & Gaming

Risk Analyst

New York, NY · On-site

$70K - $85K/yr

Overview The Junior Risk Analyst will support the Futures Commission Merchant (FCM) Operational Risk function, focusing on identifying, assessing, monitoring, and mitigating operational risks across ...

IDT

Senior Risk Analyst

Newark, NJ · Hybrid

$150K/yr

NRS PAY is a leader in merchant services, offering cutting-edge payment solutions that empower ... The Senior Risk Analyst role is critical in protecting the business from fraud and financial loss ...

IDT

Senior Risk Analyst

Newark, NJ · On-site

$150K/yr

NRS PAY is a leader in merchant services, offering cutting-edge payment solutions that empower ... The Senior Risk Analyst role is critical in protecting the business from fraud and financial loss ...

Deluxe

Risk Analyst

Fort Worth, TX

Member Alert to Control High-Risk Merchants (Formerly TMF) * Monthly update of merchant matches and placements on Terminated Merchant File. * Input information into online systems such as the ...

Deluxe Corporation

Risk Analyst

Fort Worth, TX · On-site

Member Alert to Control High-Risk Merchants (Formerly TMF) * Monthly update of merchant matches and placements on Terminated Merchant File. * Input information into online systems such as the ...

Deluxe Corporation

Risk Analyst

Fort Worth, TX · On-site

Member Alert to Control High-Risk Merchants (Formerly TMF) * Monthly update of merchant matches and placements on Terminated Merchant File. * Input information into online systems such as the ...

Monitise

Cyber Risk Analyst

Columbus, OH

We connect financial institutions, corporations, merchants, and consumers to one another millions ... Job Title Cyber Risk Analyst About your role: As a Cyber Risk Analyst, you will support ...

New

Monitise

Cyber Risk Analyst

Alpharetta, GA

We connect financial institutions, corporations, merchants, and consumers to one another millions ... Job Title Cyber Risk Analyst About your role: As a Cyber Risk Analyst, you will support ...

New

Adyen

Credit Risk Analyst

Chicago, IL · On-site

The team plays a critical role in assessing credit risk, underwriting SME and enterprise merchants ... Analyze the impact of business model, industry and macro-economic developments on the credit ...

New

SignaPay

Risk Analyst - Payments Industry

Irving, TX · On-site

Position: Risk / Fraud Analyst Reports To: Director of Risk Direct Reports: None Description ... Conducts investigations which includes holding funds on merchant deposits and communicating with ...

next page

Showing results 1-20

All JobsMerchant Risk Analyst JobsFreelance Merchant Risk Analyst Jobs

Freelance Merchant Risk Analyst information

See salary details

$15

$40

$65

How much do freelance merchant risk analyst jobs pay per hour?

As of Jul 30, 2026, the average hourly pay for freelance merchant risk analyst in the United States is $40.49, according to ZipRecruiter salary data. Most workers in this role earn between $29.81 and $49.28 per hour, depending on experience, location, and employer.

What is the difference between Freelance Merchant Risk Analyst vs Freelance Credit Analyst?

AspectFreelance Merchant Risk AnalystFreelance Credit Analyst
CredentialsFinancial analysis, risk management certifications often preferredFinancial analysis, credit risk certifications often preferred
Work EnvironmentOnline, remote, project-based for e-commerce and payment providersOnline, remote, project-based for banks, lenders, and financial institutions
Employer & IndustryE-commerce platforms, payment processors, fintechBanks, credit agencies, lending companies
Search & Comparison IntentUnderstanding risk assessment for merchantsAssessing creditworthiness of individuals or companies

Both roles involve financial analysis and risk assessment but focus on different areas. A Freelance Merchant Risk Analyst specializes in evaluating risks associated with online merchants and e-commerce transactions, while a Freelance Credit Analyst assesses creditworthiness for lending purposes. The skills and certifications overlap, but their industry applications and target clients differ.

More about Freelance Merchant Risk Analyst jobs
What cities are hiring for Freelance Merchant Risk Analyst jobs? Cities with the most Freelance Merchant Risk Analyst job openings:
What are the most commonly searched types of Merchant Risk Analyst jobs? The most popular types of Merchant Risk Analyst jobs are:
What states have the most Freelance Merchant Risk Analyst jobs? States with the most job openings for Freelance Merchant Risk Analyst jobs include:
What job categories do people searching Freelance Merchant Risk Analyst jobs look for? The top searched job categories for Freelance Merchant Risk Analyst jobs are:
Freelance Merchant Risk Analyst jobs near you
Infographic showing various Freelance Merchant Risk Analyst job openings in the United States as of July 2026, with employment types broken down into 89% Full Time, 6% Part Time, 1% Temporary, and 4% Contract. Highlights an 83% Physical, 7% Hybrid, and 10% Remote job distribution, with an average salary of $84,210 per year, or $40.5 per hour.

Lead Merchant Risk Analyst

Wisetack

Remote

Full-time

Re-posted 12 hours ago

Job description

Since 2018, Wisetack has been building transparent and intuitive consumer lending products that help service-based businesses thrive (think HVAC companies, veterinarians, or auto repair shops).
Our leadership team comes from top fintech companies such as Lending Club, Affirm, and Varo Money. And we're backed by leading VCs, including Insight Partners, Greylock, Quadrille, and Bain Capital Ventures (investors in Airbnb, LinkedIn, Instagram, Dropbox, and more).
Having raised $84M, we're a well-funded startup and have invested in people and technology while growing our partnerships - responsibly.
We're also proud to have received recognition from the fintech world. Awards we've won include:
  • Ranked #21 on 2024 Inc. 5000 based on revenue growth
  • Ranked #15 on 2024 Deloitte Fast 500 based on revenue growth
  • 2024 Best Embedded Finance Solution for Banking Tech Awards
  • 2023 Best Consumer Lending Program by Tearsheet
  • 2023 Best Point of Sale Product by Fintech Breakthrough

But what you'll find us gleaming about the most is the recognition from our own customers, particularly our sky-high NPS rating of 79. (For reference, the average score is 44 for financial services and 36 for SaaS companies.)
As a result of our efforts in building this healthy company culture, we've been nominated to several Great Places to Work lists, such as Best Small Workplaces, Best Workplaces in the Bay Area, and Best Workplaces in Financial Services & Insurance.
Like any startup, we're in it for the long haul, and we're looking for people willing to join our journey of building something special together.
This process starts with our company values, which guide us in everything we do - and have played a critical role in our success. We valiantly abide by them, and would expect you to do the same:
  • Put customers first (that's our M.O.)
  • Act fast (leverage our startup environment).
  • Lead the way (show and tell).
  • Take ownership (everyone is hands-on here).
  • Be a good human (no egos, build financial products that do right by people).

Learn more about our values here.
The Role
Wisetack connects contractors and consumers through home services financing - and trust on both sides of that marketplace depends on effectively identifying and managing risk.
We're looking for a Lead Merchant Risk Analyst to help shape how we detect, investigate, and respond to merchant fraud across the merchant lifecycle. This is a senior individual contributor role that combines deep analytical work with opportunities to improve risk processes, monitoring, and decisioning at scale.
You'll work closely with Risk, Product, Data Science, Data Engineering, Compliance, and Operations to identify emerging threats, strengthen controls, and support safe growth for merchants and consumers.
As Wisetack continues to invest in automation and AI-powered workflows, you'll have the opportunity to help design and improve systems that make risk operations more scalable and effective.
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
Requirements
  • Bachelor's degree in a quantitative field (math, economics, statistics, data science, finance, engineering) or equivalent practical experience
  • 5+ years of experience in fraud, merchant risk, payments risk, or financial services analytics
  • Strong SQL proficiency and experience using Python, R, SAS, or similar tools to analyze complex datasets and generate actionable insights
  • Experience working with risk models, machine learning outputs, or rules-based strategies to detect fraud and emerging risk trends
  • Familiarity with merchant onboarding, KYB/KYC, identity verification, business verification, sanctions screening, firmographic data, or fraud vendor integrations
  • Experience collaborating with Data Science and Data Engineering teams to develop scalable risk monitoring and decisioning capabilities
  • Strong communication, ownership, and judgment, with the ability to balance fraud prevention, merchant experience, consumer protection, compliance, and growth
  • Experience using AI tools, automation, or workflow optimization to improve analytical or operational efficiency is a plus
Bonus points
  • Fintech experience
  • Experience supporting consumer lending products
  • Experience building dashboards, automated monitoring, or operational workflows
  • Experience evaluating or implementing AI-powered tools and automation solutions
Conclusion
The range of base salary for the position is between $120,800.00 - $169,100.00, plus equity, and benefits. Please note that the base salary range is a guideline, and individual total compensation will vary based on factors such as qualifications, skill level and competencies.
Spend a little time on our About Us page and check out our Press page and our blog for more. If you think this might be a fit, we'd love to hear from you!
This hiring process utilizes artificial intelligence tools to assist in candidate screening and assessment. Our AI tools are designed to complement, not replace, human decision-making. Our data practices are described in Wisetack's Privacy Policy.

Apply