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Merchant Risk Analyst Jobs in California (NOW HIRING)

Stelle

Senior Ecommerce & Marketplace Analyst

Hayward, CA · On-site

$101K - $134K/yr

... merchandising, and customer experience • Conduct cohort and customer lifetime value analysis • ... risk • Collaborate with operations and supply chain teams on planning decisions • Create ...

New

511 Inc

Merchandise Planner- Wholesale

Costa Mesa, CA · On-site

$80K - $95K/yr

... inventory risk. * Utilize Open-to-Buy (OTB) and ladder planning tools to analyze sales and ... What You Bring * 5+ years of experience in merchandise planning, retail or wholesale planning ...

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All JobsMerchant Risk Analyst JobsMerchant Risk Analyst Jobs in California

Merchant Risk Analyst information

See California salary details

$15

$39

$65

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.
Business Analyst

Business Analyst

Bank of America Corporation

San Bernardino, CA

$80K - $120K/yr

Full-time

PTO

Posted 2 days ago

New

Job description

Job Description:

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day.

Being a Great Place to Work and providing a culture of caring is core to how we drive Responsible Growth. We are intentional about fostering an inclusive workplace where every teammate has the opportunity to succeed, build a career and contribute to our shared success. This includes attracting and developing exceptional talent, recognizing and rewarding performance, and supporting our teammates’ physical, emotional, and financial wellness through affordable, competitive and flexible benefits.

We value the unique perspectives individuals bring from all backgrounds and career paths - whether shaped by military service, community college education, or a wide range of work and life experiences. These journeys foster resilience, leadership and innovation, strengthening our workforce and positively impact the communities we serve.

Bank of America is committed to an in-office culture that supports collaboration, engagement, and career development. Our approach includes clear in-office expectations, while providing an appropriate level of flexibility based on role-specific responsibilities and business needs.

At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!

Job Description:

The Business Analyst is responsible for providing business metric and program analysis, report management, and project support at several different levels. The position requires the incumbent to have diverse administrative expertise and to oversee various policies, programs, and initiatives, to be able to think strategically, as well as perform in a proactive manner with limited supervision. The position also requires the individual to build and maintain relationships with field management, and work closely with other organizations within the LOB.

Responsibilities:

  •  Analyze merchant processing statements
  •  Work directly with internal sales representatives for cost analysis and optimization
  •  Facilitate and create training material and presentations
  •  Research internal technical and procedural questions

Skills:

  • Business Acumen
  • Critical Thinking
  • Customer and Client Focus
  • Result Orientation
  • Analytical Thinking
  • Collaboration
  • Oral Communications
  • Stakeholder Management
  • Adaptability
  • Innovative Thinking
  • Planning
  • Prioritization

Required Qualifications:

  • Experience in payment processing and & industry concepts
  • Interchange knowledge
  • Excel / PowerPoint / Word
  • Ability to evaluate and guide complex deals to drive informed, timely decisions
  • Highly self-directed with the ability to independently manage priorities
  • Collaborative team player with a strong ability to build positive working relationships

Desired Qualifications:

  • Experience in Business Banking, Sales Support, merchant/pricing support, onboarding, or related financial services operations.
  • Familiarity with Salesforce or similar workflow/reporting tools, along with strong Excel and presentation development skills.  
  • Experience supporting process improvement efforts, change initiatives, or business governance and risk routines.

Minimum Education Requirement: High School Diploma / GED / Secondary School or equivalent

The following laws or regulations restrict or prohibit the hiring of individuals with certain specified criminal history for the position: FDIC; Safe Act/Loan Originators and FINRA.

Shift:

1st shift (United States of America)

Hours Per Week: 

40

Pay Transparency details

US - CA - San Bernardino - 303 N D St - SAN BERNARDINO MAIN OFFICE (CA6109), US - NY - Brooklyn - 5521 8th Ave - Brooklyn Chinatown (NY5410)

Pay and benefits information

Pay range

$80,500.00 - $120,200.00 annualized salary, offers to be determined based on experience, education and skill set.

Discretionary incentive eligible

This role is eligible to participate in the annual discretionary plan. Employees are eligible for an annual discretionary award based on their overall individual performance results and behaviors, the performance and contributions of their line of business and/or group; and the overall success of the Company.

Benefits

This role is currently benefits eligible. We provide industry-leading benefits, access to paid time off, resources and support to our employees so they can make a genuine impact and contribute to the sustainable growth of our business and the communities we serve.

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