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Merchant Risk Analyst Jobs in California (NOW HIRING)

Adyen

CDD Risk Analyst, Reviews

San Francisco, CA · On-site

$90K - $125K/yr

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 ...

Adyen

CDD Risk Analyst, Reviews

San Francisco, CA

$90K - $125K/yr

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 ...

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 ...

Visa

Director, VCA NA Risk Practice

San Francisco, CA · On-site

... merchants, processors, and fintech partners. * Reliably manipulate and analyze large-scale datasets (Visa and industry sources) to generate meaningful insights, validate hypotheses, and support data ...

Visa

Director, VCA NA Risk Practice

San Francisco, CA · On-site

... merchants, processors, and fintech partners. * Reliably manipulate and analyze largescale datasets (Visa and industry sources) to generate meaningful insights, validate hypotheses, and support ...

Visa

Director, VCA NA Risk Practice

Foster City, CA · On-site

... merchants, processors, and fintech partners. * Reliably manipulate and analyze largescale datasets (Visa and industry sources) to generate meaningful insights, validate hypotheses, and support ...

FFB Bank

AML/CFT Analyst II

Fresno, CA

$31 - $41/hr

The analyst applies regulatory guidance and industry best practices to identify and mitigate risk, including monitoring within merchant services and payment channels. Essential Duties: * Maintains ...

FFB Bank

AML/CFT Analyst II

Fresno, CA · On-site +1

$31 - $40/hr

The analyst applies regulatory guidance and industry best practices to identify and mitigate risk, including monitoring within merchant services and payment channels. Essential Duties: * Maintains ...

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All JobsMerchant Risk Analyst JobsMerchant Risk Analyst Jobs in California

Merchant Risk Analyst information

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$39

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How much do merchant risk analyst jobs pay per hour?

As of Jul 9, 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.

How much do risk analysts get paid?

Risk analysts typically earn a median annual salary of around $70,000 to $80,000, depending on experience, location, and industry. Entry-level positions may start lower, while experienced analysts or those with specialized skills can earn over $100,000 annually.

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 typically ranges from $60,000 to $100,000 annually. At firms like JPMorgan Chase, risk analysts often earn around $70,000 to $90,000, with additional bonuses and benefits.

What is a merchant risk analyst?

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

Is risk analyst an entry level job?

A risk analyst role can be entry-level or require some experience, depending on the company and industry. Entry-level risk analyst positions typically require strong analytical skills, attention to detail, and sometimes a relevant degree or certification. More advanced roles may demand prior experience or specialized knowledge in risk management or financial analysis.

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.

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 July 2026, with employment types broken down into 1% Locum Tenens, 1% Internship, 83% Full Time, 8% Part Time, 2% Temporary, and 5% Contract. Highlights an 82% Physical, 5% Hybrid, and 13% Remote job distribution, with an average salary of $83,107 per year, or $40 per hour.

Associate, Merchant Risk Operations

Airwallex

San Francisco, CA • On-site

$90K - $130K/yr

Full-time

Re-posted 19 days ago

Job description

About Airwallex
Airwallex is the only unified payments and financial platform for global businesses. Powered by our unique combination of proprietary infrastructure and software, we empower over 200,000 businesses worldwide - including Brex, Rippling, Navan, Qantas, SHEIN and many more - with fully integrated solutions to manage everything from business accounts, payments, spend management and treasury, to embedded finance at a global scale.
Proudly founded in Melbourne, we have a team of over 2,200 of the brightest and most innovative people in tech across 26 offices around the globe. Valued at US$8 billion and backed by world-leading investors including T. Rowe Price, Visa, Mastercard, Robinhood Ventures, Sequoia, Salesforce Ventures, DST Global, and Lone Pine Capital, Airwallex is leading the charge in building the global payments and financial platform of the future. If you're ready to do the most ambitious work of your career, join us.
Attributes We Value
We hire successful builders with founder-like energy who want real impact, accelerated learning, and true ownership. You bring strong role-related expertise and sharp thinking, and you're motivated by our mission and operating principles. You move fast with good judgment, dig deep with curiosity, and make decisions from first principles, balancing speed and rigor.
You're humble and collaborative; turn zero‑to‑one ideas into real products, and you "get stuff done" end-to-end. You use AI to work smarter and solve problems faster. Here, you'll tackle complex, high‑visibility problems with exceptional teammates and grow your career as we build the future of global banking. If that sounds like you, let's build what's next.
About the team
The Operations team at Airwallex ensures the smooth and efficient functioning of our services and processes. We focus on optimizing workflows, improving operational efficiency, and delivering exceptional customer support. By streamlining operations and implementing best practices, we help drive the company's growth and maintain high service standards. Our team is dedicated to providing a seamless experience for our customers and supporting Airwallex's mission to empower businesses globally.
What you'll do
We are looking for a High-Agency Senior Analyst to join our Merchant Risk Operations team. This is not a traditional "reviewer" role; we are looking for a builder-operator. You will be responsible for the "grind"-the daily execution of complex merchant risk reviews-but you will use that experience to identify bottlenecks and build the systems, queries, and dashboards to eliminate them.
The ideal candidate is someone who doesn't wait for a manual to be written; they write the manual. You are technically self-sufficient, quantitatively rigorous, and possess a bias for action that allows you to unblock yourself and our Sales partners.
This role is based in San Francisco.
Responsibilities:
  • High-Volume Execution: Own the end-to-end risk lifecycle for complex merchants. You will conduct holistic fraud and credit risk assessments, determine exposure methodologies, and manage daily case queues with high efficiency and precision.
  • Quantitative Self-Sufficiency: You will write your own SQL queries to extract data, perform root-cause analysis on chargeback spikes, and identify emerging fraud trends.
  • Build & Visualize: Design and maintain real-time risk dashboards (Looker, Tableau, etc.) to monitor portfolio health and provide visibility to stakeholders.
  • Strategic Risk Partnership: Act as a consultative partner to the Commercial team and other key stakeholders. You don't just provide "yes/no" answers; you clearly communicate the "why" behind risk decisions. You are responsible for educating commercial stakeholders on specific merchant exposures, whether they be credit, fraud, or regulatory, and ensuring they understand the trade-offs and risks. Your mission is to protect the business by providing transparent, data-backed rationales that align growth with our risk appetite.
  • Process Iteration: Systematically identify "toil" in our current workflows. You will proactively streamline onboarding programs and collaborate with Engineering to automate manual steps, turning insights from your daily case reviews into scalable policy changes.

Who you are
  • High Agency: You have a "founder mindset." When you see a process gap or a data wall, you take it upon yourself to fix it or climb over it without being asked.
  • A "Builder-Operator": You enjoy the "grind" of investigating complex cases because you know that's where the best insights for automation are found.
  • Quantitatively Rigorous: You are a data-first thinker. You don't just report numbers; you understand the story they tell and the risks they hide.

Minimum qualifications:
  • 3+ years of experience in Merchant Risk, Fraud, or Credit Risk within Fintech or Payments.
  • Proficiency in SQL: You must be comfortable writing queries to join tables and extract insights independently.
  • Technical Resourcefulness: Experience building data visualizations and dashboards (e.g., Looker, Tableau, Sigma).
  • Risk Expertise: Strong understanding of credit risk evaluation methodologies, including industry verticals, business models, and financial statement analysis.
  • Communication: Ability to clearly explain complex risk decisions and policies to both internal stakeholders and external customers.

Preferred qualifications:
  • Experience in a high-growth, fast-paced startup environment.
  • Knowledge of payment acquiring products, card network rules, and local payment methods.
  • Experience working with Engineering/Product teams to build internal risk tools.
Applicant Safety Policy: Fraud and Third-Party Recruiters
To protect you from recruitment scams, please be aware that Airwallex will not ask for bank details, sensitive ID numbers (i.e. passport), or any form of payment during the application or interview process. All official communication will come from an @airwallex.com email address. Please apply only through careers.airwallex.com or our official LinkedIn page.
Airwallex does not accept unsolicited resumes from search firms/recruiters. Airwallex will not pay any fees to search firms/recruiters if a candidate is submitted by a search firm/recruiter unless an agreement has been entered into with respect to specific open position(s). Search firms/recruiters submitting resumes to Airwallex on an unsolicited basis shall be deemed to accept this condition, regardless of any other provision to the contrary.
Equal opportunity
Airwallex is proud to be an equal opportunity employer. We value diversity and anyone seeking employment at Airwallex is considered based on merit, qualifications, competence and talent. We don't regard color, religion, race, national origin, sexual orientation, ancestry, citizenship, sex, marital or family status, disability, gender, or any other legally protected status when making our hiring decisions. If you have a disability or special need that requires accommodation, please let us know.

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