Lead Merchant Risk Analyst
$120K/yr
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 ...
Lead Merchant Risk Analyst
$120K/yr
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 ...
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 ...
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 ...
Merchant Risk & Compliance Analyst
Maitland, FL · On-site +1
$65K - $85K/yr
Medical
Dental
Vision
Life
Retirement
PTO
Reporting to the Senior Manager, this analyst will be the first line of defense in ensuring that sponsored merchant portfolios remain within the Bank's established risk appetite and card brand ...
Merchant Risk & Compliance Analyst
Maitland, FL · On-site +1
$65K - $85K/yr
Medical
Dental
Vision
Life
Retirement
PTO
Reporting to the Senior Manager, this analyst will be the first line of defense in ensuring that sponsored merchant portfolios remain within the Bank's established risk appetite and card brand ...
Merchant Risk & Compliance Analyst
Maitland, FL · On-site +1
$65K - $85K/yr
Medical
Dental
Vision
Life
Retirement
PTO
Reporting to the Senior Manager, this analyst will be the first line of defense in ensuring that sponsored merchant portfolios remain within the Banks established risk appetite and card brand ...
Merchant Risk & Compliance Analyst
Maitland, FL · On-site +1
$65K - $85K/yr
Medical
Dental
Vision
Life
Retirement
PTO
Reporting to the Senior Manager, this analyst will be the first line of defense in ensuring that sponsored merchant portfolios remain within the Banks established risk appetite and card brand ...
Merchant Risk & Compliance Analyst
Maitland, FL · On-site
$65K - $85K/yr
Medical
Dental
Vision
Life
Retirement
PTO
Reporting to the Senior Manager, this analyst will be the first line of defense in ensuring that sponsored merchant portfolios remain within the Bank's established risk appetite and card brand ...
Merchant Risk & Compliance Analyst
Maitland, FL · On-site
$65K - $85K/yr
Medical
Dental
Vision
Life
Retirement
PTO
Reporting to the Senior Manager, this analyst will be the first line of defense in ensuring that sponsored merchant portfolios remain within the Bank's established risk appetite and card brand ...
Risk Analyst
$50K - $60K/yr
Medical
Dental
Vision
Retirement
PTO
Review merchant applications to evaluate credit, financial, operational, and compliance risk * Interpret consumer and business credit reports, corporate registrations, bank statements, financial ...
Risk Analyst
$50K - $60K/yr
Medical
Dental
Vision
Retirement
PTO
Review merchant applications to evaluate credit, financial, operational, and compliance risk * Interpret consumer and business credit reports, corporate registrations, bank statements, financial ...
Risk Analyst
Anaheim, CA · On-site
$50K - $60K/yr
Medical
Dental
Vision
Retirement
PTO
We are looking for a dependable and analytical Risk Analyst I to monitor merchant activity ... Review merchant applications to evaluate credit, financial, operational, and compliance ...
Quick apply
Risk Analyst
Anaheim, CA · On-site
$50K - $60K/yr
Medical
Dental
Vision
Retirement
PTO
We are looking for a dependable and analytical Risk Analyst I to monitor merchant activity ... Review merchant applications to evaluate credit, financial, operational, and compliance ...
Risk Analyst
Anaheim, CA · On-site
$50K - $60K/yr
Medical
Dental
Vision
Retirement
PTO
Review merchant applications to evaluate credit, financial, operational, and compliance risk * Interpret consumer and business credit reports, corporate registrations, bank statements, financial ...
Risk Analyst
Anaheim, CA · On-site
$50K - $60K/yr
Medical
Dental
Vision
Retirement
PTO
Review merchant applications to evaluate credit, financial, operational, and compliance risk * Interpret consumer and business credit reports, corporate registrations, bank statements, financial ...
Risk Analyst
New York, NY · On-site
Medical
Dental
Vision
Retirement
PTO
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 ...
Risk Analyst
New York, NY · On-site
Medical
Dental
Vision
Retirement
PTO
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 ...
Merchant KYB Analyst
Santa Monica, CA · On-site
$110 - $150/hr
Medical
PTO
We are hiring a Merchant KYB Analyst! As a KYB Analyst at Breeze, you'll play a critical role in ... You'll partner closely with our Compliance, Underwriting, Risk, and Operations teams to build a ...
New
Merchant KYB Analyst
Santa Monica, CA · On-site
$110 - $150/hr
Medical
PTO
We are hiring a Merchant KYB Analyst! As a KYB Analyst at Breeze, you'll play a critical role in ... You'll partner closely with our Compliance, Underwriting, Risk, and Operations teams to build a ...
New
Senior Risk Analyst
Newark, NJ · On-site
$135 - $165/hr
NRS PAY is a leader in merchant services, offering cutting-edge payment solutions that empower ... Role Overview The Senior Risk Analyst role is critical in protecting the business from fraud and ...
New
Senior Risk Analyst
Newark, NJ · On-site
$135 - $165/hr
NRS PAY is a leader in merchant services, offering cutting-edge payment solutions that empower ... Role Overview The Senior Risk Analyst role is critical in protecting the business from fraud and ...
New
Senior Risk Analyst
Newark, NJ · On-site
$70 - $110/hr
* Monitor merchant and transaction activity in real-time and over time to detect patterns, anomalies, and potential fraud. * Analyze large sets of data to identify risk trends, including chargebacks ...
New
Senior Risk Analyst
Newark, NJ · On-site
$70 - $110/hr
* Monitor merchant and transaction activity in real-time and over time to detect patterns, anomalies, and potential fraud. * Analyze large sets of data to identify risk trends, including chargebacks ...
New
Senior Risk Analyst
Newark, NJ · On-site
$135 - $165/hr
NRS PAY is a leader in merchant services, offering cutting-edge payment solutions that empower ... Role Overview The Senior Risk Analyst role is critical in protecting the business from fraud and ...
New
Senior Risk Analyst
Newark, NJ · On-site
$135 - $165/hr
NRS PAY is a leader in merchant services, offering cutting-edge payment solutions that empower ... Role Overview The Senior Risk Analyst role is critical in protecting the business from fraud and ...
New
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 ...
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 ...
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 ...
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 ...
Risk Analyst
Fort Worth, TX · On-site
Medical
Dental
Vision
Retirement
PTO
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 ...
Risk Analyst
Fort Worth, TX · On-site
Medical
Dental
Vision
Retirement
PTO
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 ...
Risk Analyst
Fort Worth, TX · On-site
Medical
Dental
Vision
Retirement
PTO
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 ...
Risk Analyst
Fort Worth, TX · On-site
Medical
Dental
Vision
Retirement
PTO
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 ...
Risk Analyst
Fort Worth, TX · On-site
Medical
Dental
Vision
Retirement
PTO
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 ...
Risk Analyst
Fort Worth, TX · On-site
Medical
Dental
Vision
Retirement
PTO
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 ...
Risk Analyst - Payments Industry
Irving, TX · On-site
Medical
Dental
Vision
Life
Retirement
PTO
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 ...
Quick apply
Risk Analyst - Payments Industry
Irving, TX · On-site
Medical
Dental
Vision
Life
Retirement
PTO
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 ...
Cyber Risk Analyst
Alpharetta, GA · On-site
Medical
Dental
Vision
Life
Retirement
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 ...
Cyber Risk Analyst
Alpharetta, GA · On-site
Medical
Dental
Vision
Life
Retirement
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 ...
Freelance Merchant Risk Analyst information
See salary details
$15.38 - $19.97
3% of jobs
$19.97 - $24.56
7% of jobs
$24.56 - $29.15
12% of jobs
$30.05 is the 25th percentile. Wages below this are outliers.
$29.15 - $33.74
15% of jobs
$33.74 - $38.33
13% of jobs
The median wage is $38.48 / hr.
$38.33 - $42.92
16% of jobs
$42.92 - $47.51
8% of jobs
$48.08 is the 75th percentile. Wages above this are outliers.
$47.51 - $52.10
11% of jobs
$52.10 - $56.69
6% of jobs
$56.69 - $61.28
6% of jobs
$61.28 - $65.87
3% of jobs
$15
$40
$65
How much do freelance merchant risk analyst jobs pay per hour?
As of Aug 19, 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?
| Aspect | Freelance Merchant Risk Analyst | Freelance Credit Analyst |
|---|---|---|
| Credentials | Financial analysis, risk management certifications often preferred | Financial analysis, credit risk certifications often preferred |
| Work Environment | Online, remote, project-based for e-commerce and payment providers | Online, remote, project-based for banks, lenders, and financial institutions |
| Employer & Industry | E-commerce platforms, payment processors, fintech | Banks, credit agencies, lending companies |
| Search & Comparison Intent | Understanding risk assessment for merchants | Assessing 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:
Job description
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
- 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
- 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
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!
About Wisetack
Sourced by ZipRecruiter
Industry
Finance and insurance
Company size
51 - 200 Employees
Headquarters location
San Francisco, CA, US
Year founded
2018