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Freelance Merchant Risk Analyst Jobs (NOW HIRING)

Wisetack

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 ...

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 ...

Amiseq Inc.

Risk Analyst

Frisco, TX · On-site

Review merchant cases to release funds held for fraud and financial concerns, collect balances owed ... Analyze customer information, financial patterns, and transaction data to identify fraud and risk ...

Electronic Payments Inc

Risk Analyst

Calverton, NY · On-site

This position will be responsible for the monitoring of merchant activity via report analysis ... Decision funds and conduct evaluations on merchant accounts that pose a risk to the organization

Electronic Payments Inc

Risk Analyst

Calverton, NY · On-site

$55K - $60K/yr

This position will be responsible for the monitoring of merchant activity via report analysis ... Decision funds and conduct evaluations on merchant accounts that pose a risk to the organization

Electronic Payments Inc

Risk Analyst

Calverton, NY · On-site

$55K - $60K/yr

This position will be responsible for the monitoring of merchant activity via report analysis ... Decision funds and conduct evaluations on merchant accounts that pose a risk to the organization

Monitise

Risk Analyst

Omaha, NE · On-site

We connect financial institutions, corporations, merchants, and consumers to one another millions ... Job Title Risk Analyst About your role: As a Risk Analyst at Fiserv, you play a vital role in ...

Monitise

Risk Analyst

Omaha, NE · On-site

$49K - $79K/yr

We connect financial institutions, corporations, merchants and consumers to one another millions of ... Job Title Risk Analyst About your role: As a Risk Analyst at Fiserv, you play a vital role in ...

Fiserv, Inc.

Risk Analyst

Omaha, NE · On-site

We connect financial institutions, corporations, merchants, and consumers to one another millions ... Job Title Risk Analyst About your role: As a Risk Analyst at Fiserv, you play a vital role in ...

Fiserv, Inc.

Risk Analyst

Omaha, NE · On-site

$49K - $79K/yr

We connect financial institutions, corporations, merchants and consumers to one another millions of ... Job Title Risk Analyst About your role: As a Risk Analyst at Fiserv, you play a vital role in ...

Deluxe

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 ...

Kafene

Risk Manager

New York, NY · On-site

$95K - $140K/yr

You will conduct statistical analyses to develop top-tier retailer merchant risk strategies that balance loss control and strong partnerships. You will learn, innovate, and grow alongside an ...

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 ...

InComm Payments

Risk Analyst I

Atlanta, GA

... merchants. InComm Payments is highly focused on our people and their growth, and we work hard to ... Responsibilities The Analyst I, Vendor Risk works closely with vendor relationship owners to ensure ...

New

InComm Payments

... merchants. InComm Payments is highly focused on our people and their growth, and we work hard to ... Responsibilities The Analyst I, Vendor Risk works closely with vendor relationship owners to ensure ...

New

InComm Payments

Risk Analyst I

Atlanta, GA · On-site

... merchants. InComm Payments is highly focused on our people and their growth, and we work hard to ... Responsibilities The Analyst I, Vendor Risk works closely with vendor relationship owners to ensure ...

New

Triwill Group

Senior Financial Risk Analyst

Chicago, IL · On-site

$125K - $170K/yr

You will work closely with our very diverse merchant portfolio, to assess and analyze their business model and financial health, and provide clear and concise credit risk advice to the Adyen credit ...

Adyen

Senior Financial Risk Analyst

Chicago, IL · On-site

$125K - $170K/yr

You will work closely with our very diverse merchant portfolio, to assess and analyze their business model and financial health, and provide clear and concise credit risk advice to the Adyen credit ...

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Freelance Merchant Risk Analyst information

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$15

$40

$65

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

As of Sep 11, 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.

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Freelance Merchant Risk Analyst jobs near you
Infographic showing various Freelance Merchant Risk Analyst job openings in the United States as of September 2026, with employment types broken down into 1% As Needed, 90% Full Time, 7% Part Time, and 2% Contract. Highlights an 82% Physical, 5% Hybrid, and 13% Remote job distribution, with an average salary of $84,210 per year, or $40.5 per hour.

Lead Merchant Risk Analyst

Remote

Wisetack
Finance and Insurance • 51 - 200 employees
Learn more about Wisetackexternal

$120K/yr

Full-time

Re-posted 14 days ago

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
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!

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