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Merchant Risk Analyst Jobs (NOW HIRING)

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.

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 ...

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 ...

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 ...

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 ...

Monitise

OR · On-site

We connect financial institutions, corporations, merchants, and consumers to one another millions ... A successful Operational Risk Analyst identifies, assesses, and mitigates risks arising from ...

Synchrony Financial

The VP, Merchant Risk Underwriting is a multi-functional role within the Credit Acquisition ... Analyze large datasets, identify emerging trends, and track champion/challenger strategy ...

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How much do merchant risk analyst jobs pay per hour?

As of May 29, 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 job?

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 are the key skills and qualifications needed to thrive in the Merchant Risk Analyst position, and why are they important?

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.

What does a typical day look like for a Merchant Risk Analyst?

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.

Is risk analyst an entry level job?

A risk analyst role can be entry level or require experience, depending on the company and industry. Entry-level risk analyst positions typically require a bachelor's degree in finance, economics, or a related field, and may involve training in data analysis tools and risk assessment methods.
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Merchant Risk Analyst jobs near you
Infographic showing various Merchant Risk Analyst job openings in the United States as of May 2026, with employment types broken down into 56% Full Time, 11% Temporary, and 33% Contract. Highlights an 94% Physical, and 6% 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 12 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.