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Freelance Merchant Risk Analyst Jobs (NOW HIRING)

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 ...

Adyen

$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 ...

YouLend Limited

Senior Credit Risk Analyst

Atlanta, GA · On-site

Senior Credit Risk Analyst Department: Credit Risk Employment Type: Permanent Location: Atlanta ... merchant base, without capital at risk. We are owned by the leading Private Equity company, EQT ...

YouLend

Senior Credit Risk Analyst

Atlanta, GA · On-site

Senior Credit Risk Analyst Department: Credit Risk Employment Type: Permanent Location: Atlanta ... merchant base, without capital at risk. We are owned by the leading Private Equity company, EQT ...

YouLend

Senior Credit Risk Analyst

Atlanta, GA · On-site

Senior Credit Risk Analyst Department: Credit Risk Employment Type: Permanent Location: Atlanta ... merchant base, without capital at risk. We are owned by the leading Private Equity company, EQT ...

Polymarket

Senior Risk Analyst

New York, NY · On-site

$125K - $200K/yr

The Senior Risk Analyst will help to shape the risk management function for the U.S. Exchange ... merchant, or regulated exchange. * (Plus) Familiarity with CFTC or SEC regulatory frameworks ...

moomoo

Senior Futures Risk Analyst

Jersey City, NJ · On-site

Position Summary We are seeking an experienced, detail-oriented Senior Futures Risk Analyst to join our Futures Commission Merchant ("FCM") risk management team in Jersey City/Dallas. This individual ...

moomoo

Senior Futures Risk Analyst

Jersey City, NJ · On-site

Position Summary We are seeking an experienced, detail-oriented Senior Futures Risk Analyst to join our Futures Commission Merchant ("FCM") risk management team in Jersey City/Dallas. This individual ...

moomoo

Senior Futures Risk Analyst

Dallas, TX

Position Summary We are seeking an experienced, detail-oriented Senior Futures Risk Analyst to join our Futures Commission Merchant ("FCM") risk management team in Jersey City/Dallas. This individual ...

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Freelance Merchant Risk Analyst information

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$15

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$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.

Senior Financial Risk Analyst

Chicago, IL • On-site

Adyen
See more jobs at Adyenexternal

$125K - $170K/yr

Full-time

Re-posted yesterday

Key responsibilities

  • Assess and analyze the financial health and business models of merchant portfolios to provide credit risk advice.

  • Drive continuous improvement of risk management frameworks, including policies, tools, and processes.

  • Lead projects to find optimal solutions for merchants while ensuring alignment with risk management frameworks.

Job description

This is Adyen
Adyen provides payments, data, and financial products in a single solution for customers like Meta, Uber, H&M, and Microsoft - making us the financial technology platform of choice. At Adyen, everything we do is engineered for ambition.
For our teams, we create an environment with opportunities for our people to succeed, backed by the culture and support to ensure they are enabled to truly own their careers. We are motivated individuals who tackle unique technical challenges at scale and solve them as a team. Together, we deliver innovative and ethical solutions that help businesses achieve their ambitions faster.
Senior Financial Risk Analyst
As a Senior Financial Risk Analyst located in Chicago, you will be part of a team of high-performing professionals that evaluates and manages financial risk (i.e. chargebacks) arising from a portfolio of enterprise merchants, as well as assessing the risk of new products.
As a member of our team, you will help us scale and innovate our financial risk management framework and processes. You will be working closely with the Commercial, Product and Legal teams while collaborating with some of the biggest merchants processing on the Adyen platform, all with one overarching goal: limiting Adyen's exposure to credit losses. Our team is highly motivated, extremely innovative, and thrives on shared success. As we operate globally, our team is part of an international team with diverse backgrounds and skill sets. Our ideal new team member has a proven track record of solving problems, is a great communicator with an affinity for technology and a passion for finance.
What you'll be doing
  • 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 risk committee.
  • You will drive continuous improvement of our risk management framework, including policies, tools and processes, to further improve the quality and scalability of our risk management objectives.
  • You will lead projects from beginning to end, and help us to find optimal solutions for our merchants by collaborating with various teams and ensuring we are aligned with our risk management framework;
  • You will share your credit risk knowledge to Product,Legal and Compliance teams to ensure credit risk is properly considered in new commercial product development;
  • You will share Adyen's approach to credit risk management to merchants, commercial teams, and regulators.

The base salary for this role in Chicago is: $125,000-$170,000. The total compensation package also includes RSUs (Restricted Stock Units).
Our Diversity, Equity and Inclusion commitments
Our unique approach is a product of our diverse perspectives. This diversity of backgrounds and cultures is essential in helping us maintain our momentum. Our business and technical challenges are unique, and we need as many different voices as possible to join us in solving them - voices like yours. No matter who you are or where you're from, we welcome you to be your true self at Adyen.
Studies show that women and members of underrepresented communities apply for jobs only if they meet 100% of the qualifications. Does this sound like you? If so, Adyen encourages you to reconsider and apply. We look forward to your application!
What's next?
Ensuring a smooth and enjoyable candidate experience is critical for us. We aim to get back to you regarding your application within 5 business days. Our interview process tends to take about 4 weeks to complete, but may fluctuate depending on the role. Learn more about our hiring process here. Don't be afraid to let us know if you need more flexibility.
Adyen is an equal opportunity employer. We do not discriminate based on race, color, ethnicity, ancestry, national origin, religion, sex, gender, gender identity, gender expression, sexual orientation, age, disability, veteran status, genetic information, marital status or any legally protected status.
All your information will be kept confidential according to EEO guidelines.

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