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Freelance Merchant Risk Analyst Jobs in Atlanta, GA

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 ...

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 ...

INHABIT IQ

Senior Credit Risk Analyst

Alpharetta, GA · On-site

Verify and assess merchant application information, including performing KYB, KYC, credit report ... Mentor analysts through guidance on risk models, investigative techniques, professional development ...

Inhabit

Senior Credit Risk Analyst

Alpharetta, GA · On-site

Verify and assess merchant application information, including performing KYB, KYC, credit report ... Mentor analysts through guidance on risk models, investigative techniques, professional development ...

INHABIT IQ

Senior Credit Risk Analyst

Alpharetta, GA

Verify and assess merchant application information, including performing KYB, KYC, credit report ... Mentor analysts through guidance on risk models, investigative techniques, professional development ...

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Senior Merchant Underwriter

Atlanta, GA · Hybrid

$94.70K - $112K/yr

Read and interpret commercial credit reports to assess merchant risk profiles * Analyze business financial statements including balance, income statement and cash flow. * Contribute to regular staff ...

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Senior Credit Analyst

Atlanta, GA · Hybrid

About the Role: We're looking for a Senior Credit Analyst that will ensure high risk reviews and merchant applications meet verification and program guidelines. We are looking for detailed-oriented ...

Affirm

Analyst II, Full Stack

Atlanta, GA · On-site +1

$124K - $174K/yr

... Merchant Risk teams to value different merchants, with the Fraud team to detect fraudulent ... What you'll doLeverage advanced data analytics to derive insights and optimize credit ...

Stripe

Enterprise Risk Management Lead

Atlanta, GA · On-site

About the team Stripe is forming a Georgia-chartered Merchant Acquiring Limited Purpose Bank (MALPB ... Support the development and maintenance of KRIs, KPIs, and risk analytics aligned with MALPB's risk ...

Stripe

Enterprise Risk Management Lead

Atlanta, GA · On-site +1

About the team Stripe is forming a Georgia-chartered Merchant Acquiring Limited Purpose Bank (MALPB ... Support the development and maintenance of KRIs, KPIs, and risk analytics aligned with MALPB's risk ...

Shift4

Credit Risk Lead

Atlanta, GA · On-site

You'll review complex merchant applications and serve as an escalation point for nuanced or high ... Guide and support analysts on complex cases, helping elevate underwriting quality and decision ...

Shift4

Compliance Credit Risk Specialist

Atlanta, GA · On-site

Assess merchants' financial positions through detailed financial statement analysis and set appropriate collateral levels to mitigate financial risk. * Liaise regularly with various departments to ...

Visa

Director, VCA NA Risk Practice

Atlanta, GA

... merchants, processors, and fintech partners. * Reliably manipulate and analyze largescale datasets (Visa and industry sources) to generate meaningful insights, validate hypotheses, and support ...

SplitIt

Credit Officer & Head of Risk

Atlanta, GA

... merchant installment products, including underwriting, portfolio management, and risk management. To be successful, this role requires a strong background in credit and risk principles, analytical ...

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Freelance Merchant Risk Analyst information

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$14

$38

$63

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 Atlanta, GA is $38.93, according to ZipRecruiter salary data. Most workers in this role earn between $28.65 and $47.40 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.

What are the most commonly searched types of Merchant Risk Analyst jobs in Atlanta, GA? The most popular types of Merchant Risk Analyst jobs in Atlanta, GA are:
What are popular job titles related to Freelance Merchant Risk Analyst jobs in Atlanta, GA? For Freelance Merchant Risk Analyst jobs in Atlanta, GA, the most frequently searched job titles are:
What job categories do people searching Freelance Merchant Risk Analyst jobs in Atlanta, GA look for? The top searched job categories for Freelance Merchant Risk Analyst jobs in Atlanta, GA are:
Freelance Merchant Risk Analyst jobs near you
Merchant Risk Monitoring Investigator

Merchant Risk Monitoring Investigator

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Atlanta, GA • Hybrid

Other

Medical, Dental, Vision, Retirement, PTO

Posted 16 days ago

Job description

About the Role:

We're looking for an experienced, detail-driven investigator to join our Merchant Risk Monitoring team. In this role, you'll be on the front lines of protecting borrowers and preventing financial loss - identifying suspicious merchant behavior, investigating fraud and abuse, and taking action before problems escalate.

This isn't a passive monitoring role. You'll own investigations from initial alert through resolution, work closely with a fast-moving team, and directly influence risk outcomes. If you thrive in a high-stakes environment where your work has real impact, this role is for you.

What You'll Do:

  • Monitor merchant accounts on an ongoing basis, identifying anomalies, suspicious patterns, and early warning signs of fraud or borrower abuse.
  • Lead investigations into fraud, compliance violations, contractor misconduct, licensing issues, and abnormal loan activity - from intake through resolution.
  • Dig into transaction data, account history, and performance metrics to uncover root causes and build a clear evidentiary record.
  • Conduct background research on merchants, including criminal history, regulatory violations, negative news, and reputational red flags.
  • Prepare thorough, well-organized investigation reports with findings, risk assessments, and recommended actions for leadership and cross-functional partners.
  • Work with Risk, Compliance, Legal, and Operations teams to implement mitigation strategies and escalate high-risk situations appropriately.
  • Contribute to the development of risk frameworks, monitoring protocols, and investigative playbooks to strengthen the team's capabilities over time.
  • Stay current on industry trends, regulatory changes, and fraud schemes relevant to merchant services and home improvement lending.

What We Look For:

  • 3-5 years of experience in fraud investigations, merchant monitoring, operational risk, or a closely related field within financial services or payments.
  • Strong analytical instincts - you can interpret complex data, spot patterns, and connect dots across large transaction sets.
  • Experience conducting background research, adverse media reviews, and regulatory/licensing checks.
  • Clear, precise written communication - you can distill a complex investigation into a report that's easy to act on.
  • Comfortable working independently and managing multiple open cases at once in a fast-paced environment.
  • Proficiency with data analysis tools, risk platforms, and Microsoft Office Suite; experience with AI-assisted research tools is a plus.
  • Bachelor's degree in business, finance, criminal justice, risk management, or a related field. CFE, CRM, or similar certification is a strong plus.

Nice to Have:

  • Background in home improvement lending, contractor-funded loan programs, or merchant acquiring.
  • Familiarity with Jira, case management systems, or investigation tracking platforms.
  • Experience collaborating with or supporting a borrower outreach or rapid response team.
  • Exposure to regulatory environments such as CFPB, state licensing frameworks, or contractor compliance requirements.

What We Offer You: 

  • Competitive salary and stock option plan
  • 100% paid coverage of medical, dental, and vision insurance 
  • Flexible PTO
  • Competitive 401(k) and RRSP program
  • Opportunities for professional growth and development   
  • Paid parental leave
  • Health & wellness initiatives

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