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Merchant Risk Analyst Jobs in California (NOW HIRING)

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 ...

jobr.pro

CDD Risk Analyst, Reviews

San Francisco, CA · On-site

$100 - $125/hr

CDD Risk Analyst Adyen is looking for a hands‑on CDD Risk Analyst with experience in the payments ... Guide our merchants and be the first point of contact for every CDD Review related matter. * Be an ...

Airwallex

Director, Credit Risk

San Francisco, CA · On-site

This is a team for analytical, commercially minded risk leaders who are energized by building ... Oversee credit exposures across merchant acquiring, charge cards, B2B and commercial activities, FX ...

TLO INC

Senior Underwriter

Encino, CA · On-site

$103K - $122K/yr

The primary focus of the Senior Merchant Underwriter is to review, analyze, and make confident credit risk decisions and recommendations for merchant applications and existing merchant accounts, with ...

Airwallex

Director, Credit Risk

San Francisco, CA · On-site

$250/hr

This is a team for analytical, commercially minded risk leaders who are energized by building ... Oversee credit exposures across merchant acquiring, charge cards, B2B and commercial activities, FX ...

Airwallex-

Director, Credit Risk

San Francisco, CA · On-site

$250/hr

This is a team for analytical, commercially minded risk leaders who are energized by building ... Oversee credit exposures across merchant acquiring, charge cards, B2B and commercial activities, FX ...

KURV

Senior Underwriter

Encino, CA · On-site

$103K - $122K/yr

The primary focus of the Senior Merchant Underwriter is to review, analyze, and make confident credit risk decisions and recommendations for merchant applications and existing merchant accounts, with ...

PaymentCloud Inc.

Senior Underwriter

Los Angeles, CA · On-site

$60 - $80/hr

Finance The primary focus of the Senior Merchant Underwriter is to review, analyze, and make confident credit risk decisions and recommendations for merchant applications and existing merchant ...

G2 Risk Solutions

Director of Product Management

Burlingame, CA · On-site +1

$263K - $275K/yr

... commerce merchant risk and compliance intelligence and services. Headquartered in Burlingame ... Collaborate with Engineering and Data Science teams to build data-driven products and analytical ...

G2 Risk Solutions

Director of Product Management

Burlingame, CA · On-site

$263K - $275K/yr

... merchant risk and compliance intelligence and services. Headquartered in Burlingame, California ... Collaborate with Engineering and Data Science teams to build data-driven products and analytical ...

Quantum Electronic Payments

Underwriter I

Anaheim, CA

$50K - $60K/yr

... analytical Underwriter I to support the review and decisioning of merchant applications. This role will evaluate business information, credit and financial documentation, and other risk factors to ...

Quantum Electronic Payments

Underwriter I

Anaheim, CA · On-site

$50K - $60K/yr

... analytical Underwriter I to support the review and decisioning of merchant applications. This role will evaluate business information, credit and financial documentation, and other risk factors to ...

Quantum Electronic Payments

Underwriter I

Anaheim, CA · On-site

$50K - $60K/yr

... analytical Underwriter I to support the review and decisioning of merchant applications. This role will evaluate business information, credit and financial documentation, and other risk factors to ...

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Merchant Risk Analyst information

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$39

$65

How much do merchant risk analyst jobs pay per hour?

As of Sep 7, 2026, the average hourly pay for merchant risk analyst in California is $39.96, according to ZipRecruiter salary data. Most workers in this role earn between $29.42 and $48.65 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.

What are the most commonly searched types of Merchant Risk Analyst jobs in California?

The most popular types of Merchant Risk Analyst jobs in California are:

What are popular job titles related to Merchant Risk Analyst jobs in California?

For Merchant Risk Analyst jobs in California, the most frequently searched job titles are:

What job categories do people searching Merchant Risk Analyst jobs in California look for?

The top searched job categories for Merchant Risk Analyst jobs in California are:

Merchant Risk Analyst jobs near you
Infographic showing various Merchant Risk Analyst job openings in California as of August 2026, with employment types broken down into 100% Full Time. Highlights an 86% In-person, and 14% Remote job distribution, with an average salary of $83,107 per year, or $40 per hour.

Risk Analyst

Quantum Electronic Payments

Anaheim, CA • On-site

$50K - $60K/yr

Full-time

Medical, Dental, Vision, Retirement, PTO

Posted 23 days ago

Job description

Unlock your potential with Quantum ePay®. We're a growing fintech company focused on delivering innovative payment processing solutions and merchant technology that helps businesses lower costs, earn more, and operate with confidence.

We are looking for a dependable and analytical Risk Analyst I to monitor merchant activity, identify potential fraud or financial exposure, and help protect the company and our merchant partners from unnecessary risk. This role will review transactions, investigate unusual account activity, evaluate risk factors, and determine appropriate action within established guidelines.

The ideal candidate is analytical, detail-oriented, customer-focused, and comfortable using sound judgment to identify and resolve potential risk.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

  • Review merchant applications to evaluate credit, financial, operational, and compliance risk
  • Interpret consumer and business credit reports, corporate registrations, bank statements, financial statements, tax returns, processing statements, and other supporting documents
  • Verify the accuracy and completeness of information provided on merchant applications
  • Complete business verification and additional research using internal tools and third-party resources
  • Approve, pend, decline, or escalate applications based on company policies
  • Assign appropriate merchant risk ratings and document the reasoning behind underwriting decisions
  • Clearly communicate pending requirements and follow up on outstanding information
  • Respond to questions from agents, sales representatives, merchants, and internal departments
  • Identify inconsistencies, potential fraud indicators, and emerging risk trends
  • Navigate multiple systems to review, update, and track application statuses
  • Maintain complete and accurate underwriting notes and documentation
  • Perform additional duties as assigned

QUALIFICATIONS:

  • 2+ years of experience in banking, financial services, merchant services, risk, fraud, underwriting, customer service, or a related environment preferred
  • Strong analytical and problem-solving skills with the ability to review information, identify inconsistencies, and recognize potential risk
  • Excellent attention to detail and ability to make thoughtful decisions based on available information
  • Strong research and investigative skills with a willingness to dig deeper when something doesn't look right
  • Customer-service minded with strong written and verbal communication skills
  • Ability to handle sensitive or escalated situations professionally
  • Comfortable managing multiple priorities in a fast-paced environment
  • Proficiency with Microsoft Office, including Excel and Outlook
  • Experience with payment processing or TSYS is a plus

LOCATION: This role requires the employee to work fully onsite at our Anaheim Hills location.

SALARY:

This role includes biannual profit-sharing bonuses as part of a total compensation package, in addition to a full range of medical, dental, retirement planning, and/or other benefits.

  • Base salary range: $50,000 - $60,000
  • Salary including quarterly profit-sharing bonus and comprehensive benefits program range (annualized): $67,725 - $79,725

WHY WORK HERE?

  • Awarded Top Workplace of Orange County by the OC Register
  • Flex PTO!
  • New state of the art, open-concept facility with stand-up desks, balance boards, stationary bikes and more!
  • Work hard, play hard culture!
  • Monthly Beer Socials and BBQs!
  • Proven "promote from within" mentality!
  • Benefit offerings:
    • Medical, dental, vision, acupuncture and chiropractic
    • 401k Safe Harbor; 100% employer match processed semi-monthly, up to 4%
    • Profit Sharing; paid on a biannual basis

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