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Merchant Risk Analyst Jobs (NOW HIRING)

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 ...

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.

Fortis Payment Systems LLC

Risk Analyst

Plano, TX · On-site

Access Risk systems daily and analyze merchants who exceed established risk parameters * Review risky transactions across multiple systems and payment types * Review whether to hold funds for review ...

Fortis Payment Systems LLC

Risk Analyst

Plano, TX · On-site

Access Risk systems daily and analyze merchants who exceed established risk parameters * Review risky transactions across multiple systems and payment types * Review whether to hold funds for review ...

Fortis

Risk Analyst

Plano, TX

Access Risk systems daily and analyze merchants who exceed established risk parameters * Review risky transactions across multiple systems and payment types * Review whether to hold funds for review ...

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 ...

Xplor

Risk Analyst- REMOTE

Atlanta, GA · Remote

Reporting into the Director of Risk, you will help us with the daily monitoring of merchant ... Analyze merchant account activity alerts generated by automated monitoring systems inorder to ...

Xplor

Risk Analyst- REMOTE

Atlanta, GA · On-site +1

Reporting into the Director of Risk, you will help us with the daily monitoring of merchant ... Analyze merchant account activity alerts generated by automated monitoring systems in order to ...

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 ...

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 ...

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 ...

Monitise

Credit Risk Analyst

Coral Springs, FL

We connect financial institutions, corporations, merchants, and consumers to one another millions ... As a Credit Risk Analyst, you will perform credit analysis and underwriting activities for ...

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Merchant Risk Analyst information

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How much do merchant risk analyst jobs pay per hour?

As of Jun 19, 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.

How much do risk analysts get paid?

Risk analysts typically earn a median annual salary ranging from $60,000 to $80,000, depending on experience, location, and industry. Merchant risk analysts, a specialized role, may have similar or slightly higher compensation due to the technical skills required, such as data analysis and fraud detection tools.

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 is the salary of risk analyst?

The salary of a risk analyst varies depending on experience, location, and employer, but the average annual salary in the industry typically ranges from $60,000 to $90,000. At firms like JPMorgan Chase, risk analysts can earn higher salaries, especially with specialized skills or certifications such as FRM or CFA. Entry-level positions may start lower, while experienced analysts or those in senior roles can earn significantly more.

What is a merchant risk analyst?

A merchant risk analyst evaluates the financial and operational risks associated with merchants or vendors, often in payment processing or e-commerce environments. They analyze transaction data, identify potential fraud or compliance issues, and use tools like risk management software to help prevent financial losses and ensure secure transactions.

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 a high paying job?

A risk analyst, including roles like Merchant Risk Analyst, typically earns a competitive salary that varies by industry, experience, and location. Entry-level positions may start lower, but experienced risk analysts with specialized skills can earn higher wages, often supplemented by bonuses and benefits.
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Merchant Risk Analyst jobs near you
Infographic showing various Merchant Risk Analyst job openings in the United States as of June 2026, with employment types broken down into 97% Full Time, 1% Temporary, and 2% Contract. Highlights an 95% Physical, 1% Hybrid, and 4% Remote job distribution, with an average salary of $84,210 per year, or $40.5 per hour.
Lead Merchant Risk Analyst

Lead Merchant Risk Analyst

Wisetack

Remote

Full-time

Posted 21 days ago

Job description

Since 2018, Wisetack has been building transparent and intuitive consumer lending products that help service-based businesses thrive (think HVAC companies, veterinarians, or auto repair shops).
Our leadership team comes from top fintech companies such as Lending Club, Affirm, and Varo Money. And we're backed by leading VCs, including Insight Partners, Greylock, Quadrille, and Bain Capital Ventures (investors in Airbnb, LinkedIn, Instagram, Dropbox, and more).
Having raised $84M, we're a well-funded startup and have invested in people and technology while growing our partnerships - responsibly.
We're also proud to have received recognition from the fintech world. Awards we've won include:
  • Ranked #21 on 2024 Inc. 5000 based on revenue growth
  • Ranked #15 on 2024 Deloitte Fast 500 based on revenue growth
  • 2024 Best Embedded Finance Solution for Banking Tech Awards
  • 2023 Best Consumer Lending Program by Tearsheet
  • 2023 Best Point of Sale Product by Fintech Breakthrough

But what you'll find us gleaming about the most is the recognition from our own customers, particularly our sky-high NPS rating of 79. (For reference, the average score is 44 for financial services and 36 for SaaS companies.)
As a result of our efforts in building this healthy company culture, we've been nominated to several Great Places to Work lists, such as Best Small Workplaces, Best Workplaces in the Bay Area, and Best Workplaces in Financial Services & Insurance.
Like any startup, we're in it for the long haul, and we're looking for people willing to join our journey of building something special together.
This process starts with our company values, which guide us in everything we do - and have played a critical role in our success. We valiantly abide by them, and would expect you to do the same:
  • Put customers first (that's our M.O.)
  • Act fast (leverage our startup environment).
  • Lead the way (show and tell).
  • Take ownership (everyone is hands-on here).
  • Be a good human (no egos, build financial products that do right by people).

Learn more about our values here.
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!
This hiring process utilizes artificial intelligence tools to assist in candidate screening and assessment. Our AI tools are designed to complement, not replace, human decision-making. Our data practices are described in Wisetack's Privacy Policy.

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