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Merchant Fraud 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 ...

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How much do merchant fraud analyst jobs pay per hour?

As of Sep 9, 2026, the average hourly pay for merchant fraud analyst in the United States is $38.63, according to ZipRecruiter salary data. Most workers in this role earn between $25.96 and $48.32 per hour, depending on experience, location, and employer.

What is a merchant fraud analyst?

Merchant Fraud Analysts are professionals who detect, prevent, and investigate fraudulent activities related to merchant accounts and transactions. They analyze transaction patterns, monitor suspicious activities, and use specialized tools to identify potential fraud. Their work helps protect both businesses and customers from financial losses due to fraudulent behavior. Merchant Fraud Analysts often collaborate with law enforcement and other financial institutions to address and mitigate risks.

How does a merchant fraud analyst typically collaborate with other departments to prevent and resolve fraud cases?

A Merchant Fraud Analyst works closely with teams such as customer service, risk management, and IT to identify, investigate, and mitigate fraudulent activities. Collaboration often involves sharing data, discussing suspicious patterns, and developing protocols for flagging or blocking unauthorized transactions. Regular meetings and interdepartmental communication are essential for staying updated on new fraud trends and implementing effective prevention strategies. This teamwork ensures a comprehensive approach to reducing risk and protecting both the merchant and their customers.

What are the key skills and qualifications needed to thrive as a merchant fraud analyst, and why are they important?

To thrive as a Merchant Fraud Analyst, you need strong analytical skills, attention to detail, and experience in risk assessment, typically supported by a degree in finance, business, or a related field. Familiarity with fraud detection platforms, data analysis tools like SQL or Excel, and knowledge of payment processing systems or certifications such as CFE (Certified Fraud Examiner) are often required. Excellent problem-solving abilities, communication skills, and a proactive mindset help you effectively investigate suspicious activities and collaborate with teams. These competencies are crucial for identifying fraudulent transactions, minimizing financial losses, and maintaining the integrity of merchant operations.

What cities are hiring for Merchant Fraud Analyst jobs?

Cities with the most Merchant Fraud Analyst job openings:

What states have the most Merchant Fraud Analyst jobs?

States with the most job openings for Merchant Fraud Analyst jobs include:

What are popular job titles related to Merchant Fraud Analyst jobs?

For Merchant Fraud Analyst jobs, the most frequently searched job titles are:

Infographic showing various Merchant Fraud Analyst job openings in the United States as of July 2026, with employment types broken down into 89% Full Time, 6% Part Time, 1% Temporary, and 4% Contract. Highlights an 83% Physical, 7% Hybrid, and 10% Remote job distribution, with an average salary of $80,350 per year, or $38.6 per hour.

Lead Merchant Risk Analyst

Remote

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

$120K/yr

Full-time

Re-posted 12 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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