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Freelance Merchant Risk Analyst Jobs (NOW HIRING)

Airwallex

Oversee daily queue management of merchant risk monitoring cases, meet SLAs, analyse alert and lead quality, and review decision accuracy to drive better operational outcomes. Who You Are We're ...

The OLB Group Inc.

Risk Analyst

New York, NY · On-site

Overview The Risk Analyst is primarily responsible for analyzing and calculating financial risk exposure, merchant reserves, merchant payouts, including evaluating ongoing company financial positions ...

Paysafe

Risk Strategy Data Analyst

Jacksonville, FL · On-site

This individual will play a critical role in the Global Risk Analytics team and identify emerging trends in consumer & merchant risk profiles and translate those findings into actionable insights.

Airwallex

What You'll Do We are looking for a High-Agency Senior Analyst to join our Merchant Risk Operations team. This is not a traditional "reviewer" role; we are looking for a builder-operator. You will be ...

New

Cane Bay Partners

Risk Analyst

Christiansted, VI

Work with portfolio and merchant representatives to execute current and emerging business ... Leadership - Mentor junior level analysts of the Risk Management Ensure training/delivery of ...

Pacer Group

Risk Analyst I

Plano, TX · On-site

$31/hr

Manage 50+ complex inbound inquiries daily, performing deep-dive investigations into merchant accounts to resolve fraud alerts and financial discrepancies. * Risk Mitigation & Decisioning : Analyze ...

Pacer Group

Risk Analyst I

Atlanta, GA · On-site

$31/hr

Title - Risk Analyst I Duration - 12 months Shift - 8 am to 5 pm Location - Atlanta GA 30308 ... Review merchant cases to release funds held for fraud and financial concerns, collect balances owed ...

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 ...

Maverick Payments

Risk Analyst II

Calabasas, CA · On-site +1

$30 - $34/hr

Our payment products include merchant acquiring services, a proprietary gateway, ACH processing ... and Risk Manager or other designee, the Risk Analyst II will contribute to the oversight of ...

Akraya

Risk Analyst I:

Atlanta, GA · Hybrid

$30 - $32/hr

Risk Management (Intermediate), Financial Analysis (Intermediate), Customer Service (Advanced ... Review merchant cases for fund release related to fraud and financial issues, and assist with ...

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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 May 28, 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
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What are the most commonly searched types of Merchant Risk Analyst jobs? The most popular types of Merchant Risk Analyst jobs are:
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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 May 2026, with employment types broken down into 1% Internship, 3% As Needed, 72% Full Time, 15% Part Time, and 9% Contract. Highlights an 29% Physical, 2% Hybrid, and 69% Remote job distribution, with an average salary of $84,210 per year, or $40.5 per hour.
Director of Merchant Risk and Analytics

Director of Merchant Risk and Analytics

Thrive Financial, Inc

Domestic, IN • Remote

Full-time

Posted 11 days ago

Job description

At Thrive Financial, Merchant Risk Managers sit at the intersection of dealer relationships, credit risk, pricing, and operations. This role is for someone who is able to apply analytics in an environment of ambiguity and incomplete ownership and loves working cross functionally.  You are a data nerd who is passionate about leveraging AI and automation for analytics, a relationship builder, and you know how to weigh risk against opportunity.  This role will be foundational in continuing to build the Thrive Merchant Risk playbook.
You have the right background if you
  • Have five or more years working in a lending analytics roles with at least two years spent working in a risk environment where the consumer credit risk isn't the whole story
  • Have earned increased responsibility or promotions through performance, not tenure
  • Have worked in an early-stage company (or equivalent environment) where structure was minimal and initiative mattered, or can clearly demonstrate that you've succeeded without heavy process or support
  • Are comfortable wearing multiple hats today, with an eye toward building and leading a team in the future
  • Love to teach and develop new talent and have a history of leadership
  • Are passionate about leveraging AI and automation to build lean and scalable risk analytics programs
How you approach the role:
  • You are hands-on by default - excited to work directly with our contractor partners, solve real problems, and deliver tangible value
  • You naturally look for patterns and gaps, and feel compelled to create structure where none exists
  • You balance empathy and accountability, building trust while driving outcomes
  • You are energized by growth (both personal and organizational) and want to level up into people leadership over time
What You Will Do
  • Oversee Thrive's merchant underwriting policy and execution
  • Refine and add to Thrive's merchant risk mitigation program
  • Build out analytics and procedures to help the merchant risk team become the merchant reward team - you'll help us proactively identify opportunities for our partners in sales 
  • Leverage automation and AI to drive more insights with less overhead
  • Manage and build Thrive's merchant risk analytics team
Why This Role
  • High-impact opportunity to shape risk strategy and merchant management processes at an early stage - you are here to take us from 10 to 100 
  • You are excited about building and managing a world class team
  • Direct influence Thrive's loan performance and assist our sales and success teams in identifying growth opportunities or mitigating risk while keeping contractors on our platform
  • Path to expanded scope and people leadership as the company scales
  • Mission-driven fintech focused on enabling responsible, accessible financingFully remote, highly collaborative environment with room to grow
At Thrive, our best teammates embody GRIT:
Get things done You are self-directed, proactive, and biased toward action. You don't wait for perfect conditions to move forward.
Respect each other You lead with humility and empathy - whether working with contractors, teammates, or leadership.
Intellectual curiosity You ask thoughtful questions, seek context, and enjoy learning new industries, products, and customer needs in order to make practical, informed decisions.
Teamwork You believe the best results come from shared ownership, open communication, and learning together.

As a Director of Merchant Risk, you also bring:
Trustworthiness You prioritize long-term relationships, follow through on commitments, and ensure alignment across stakeholders.
Collaboration You actively invite diverse perspectives and use them to arrive at better solutions - for customers and for the business.
Stewardship You approach your work with a servant mindset, focused on supporting contractors, teammates, and the broader mission of responsible financial access.
We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.
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