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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 ...

Wisetack

Lead Merchant Risk Analyst

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 ...

Quantum Electronic Payments

Risk Analyst

Anaheim, CA · On-site

$50K - $60K/yr

Review merchant applications to evaluate credit, financial, operational, and compliance risk * Interpret consumer and business credit reports, corporate registrations, bank statements, financial ...

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

$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

$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 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 ...

Gravity Payments

Senior Risk Analyst

Boise, ID · On-site

Interact with merchants, Sales teams, Customer Facing Teams, and Underwriting teams to solve risk ... Identify trends and conduct root-cause analysis to isolate key performance drivers. * Creatively ...

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 ...

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 ...

Adyen

Credit Risk Analyst

Chicago, IL · Hybrid

$100K - $130K/yr

The team plays a critical role in assessing credit risk, underwriting SME and enterprise merchants ... Analyze the impact of business model, industry and macro-economic developments on the 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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Merchant Risk Analyst information

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How much do merchant risk analyst jobs pay per hour?

As of Sep 10, 2026, the average hourly pay for 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 a merchant risk analyst?

A Merchant Risk Analyst assesses the risk associated with businesses that process payments, ensuring they comply with financial regulations and fraud prevention measures. They analyze transaction patterns, detect suspicious activities, and evaluate the credibility of merchants to minimize financial losses. Their role involves using data-driven insights, risk models, and industry best practices to mitigate fraud and chargebacks. Additionally, they collaborate with internal teams to improve risk policies and support safe payment processing.

What does a merchant risk analyst do?

A typical day for a Merchant Risk Analyst involves monitoring and analyzing merchant transactions to identify unusual or suspicious patterns, conducting in-depth investigations into high-risk accounts, and preparing detailed risk reports. You’ll regularly collaborate with compliance teams, sales, and customer support to address issues and mitigate potential risks. The role often includes updating risk models, developing preventive strategies, and communicating findings to management. This dynamic environment requires adaptability and the ability to balance routine monitoring with rapid response to emerging threats, making every day uniquely challenging and rewarding.

What are the key skills and qualifications needed to thrive as a merchant risk analyst?

To thrive as a Merchant Risk Analyst, you need strong analytical abilities, a background in finance or business, and expertise in risk assessment methodologies. Familiarity with data analysis tools (such as SQL, Excel, and risk management software), as well as experience with payment processing platforms, is often required. Excellent problem-solving skills, attention to detail, and effective communication abilities help you excel in compiling reports and working with cross-functional teams. These competencies are essential for accurately identifying potential risks, preventing financial losses, and maintaining secure merchant portfolios.

Do merchant risk analysts make good money?

Merchant risk analysts typically earn a competitive salary that varies by experience, location, and industry. Entry-level positions may start lower, while experienced analysts with certifications and specialized skills can earn higher wages, often supplemented by bonuses or incentives. Overall, it is considered a well-paying role within the financial and risk management sectors.
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Merchant Risk Analyst jobs near you
Infographic showing various Merchant Risk Analyst job openings in the United States as of September 2026, with employment types broken down into 89% Full Time, and 11% Contract. Highlights an 100% In-person 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 13 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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