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Merchant Risk Analyst Jobs in California (NOW HIRING)

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 ...

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 ...

Intuit

Senior Fraud & Risk Analyst

Mountain View, CA · On-site

As a Junior Fraud and Risk Analyst, you will support the team by assisting in the design and ... merchant and consumer experiences. Qualifications 3-5 years of relevant experience in Fintech ...

Affirm

Analyst II, Credit Risk Analytics

San Francisco, CA · On-site +1

$124K - $174K/yr

... Merchant Risk teams to value different merchants, with the Fraud team to detect fraudulent ... analyst (consumer credit‐risk management strongly preferred but not required) Curiosity to learn ...

Affirm

Analyst II, Credit Risk Analytics

Los Angeles, CA · On-site +1

$124K - $174K/yr

... Merchant Risk teams to value different merchants, with the Fraud team to detect fraudulent ... analyst (consumer credit‐risk management strongly preferred but not required) Curiosity to learn ...

G2 Risk Solutions

Senior Product Manager

Burlingame, CA · On-site

$142.80K - $188.60K/yr

... their merchant portfolios, while protecting against brand damage, illegal activity, and ... Monitor product performance, using analytical methods to evaluate KPIs, customer outcomes, and risk ...

G2 Risk Solutions

Senior Product Manager

Burlingame, CA · On-site

$142.80K - $188.60K/yr

... their merchant portfolios, while protecting against brand damage, illegal activity, and ... Monitor product performance, using analytical methods to evaluate KPIs, customer outcomes, and risk ...

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Merchant Risk Analyst information

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$15

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$65

How much do merchant risk analyst jobs pay per hour?

As of May 28, 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 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 California as of May 2026, with employment types broken down into 86% Full Time, 7% Part Time, and 7% Temporary. Highlights an 93% In-person, and 7% Remote job distribution, with an average salary of $83,107 per year, or $40 per hour.

Manager, Merchant Risk Operations

Airwallex

San Francisco, CA • On-site

Full-time

This job post has expired today. Applications are no longer accepted.

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 2,000 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 zerotoone 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, highvisibility 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

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