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Merchant Risk Analyst Jobs in Texas (NOW HIRING)

Visa

Sr. Cybersecurity Engineer

Austin, TX · Hybrid

... merchants, financial institutions and government entities across more than 200 countries and ... Experience: A minimum of 5 years experience working as a Security Engineer or Risk Analyst or ...

Visa

Senior Cyber Security Analyst

Austin, TX · Hybrid

$99K - $127K/yr

... merchants, financial institutions and government entities across more than 200 countries and ... Support Visa risk personnel with investigations, intelligence collection, and extracting actionable ...

Visa

Senior Cyber Security Analyst

Austin, TX · Hybrid

$99K - $127K/yr

... merchants, financial institutions and government entities across more than 200 countries and ... Support Visa risk personnel with investigations, intelligence collection, and extracting actionable ...

PayPal

Sr Data Scientist, Fraud Risk Oversight

Austin, TX · On-site

$130K - $193K/yr

We help merchants and consumers connect, transact, and complete payments, whether they are online ... Fraud Risk Assessment : Perform deep-dive analytics on transactional, Identity data to identify ...

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All JobsMerchant Risk Analyst JobsMerchant Risk Analyst Jobs in Texas

Merchant Risk Analyst information

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$14

$37

$61

How much do merchant risk analyst jobs pay per hour?

As of Jun 20, 2026, the average hourly pay for merchant risk analyst in Texas is $37.72, according to ZipRecruiter salary data. Most workers in this role earn between $27.79 and $45.91 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
Risk & Compliance Specialist

Risk & Compliance Specialist

FirstCash, Inc.

Coppell, TX • On-site

Full-time

Posted 5 days ago

FirstCash rating

5.8

Company rating: 5.8 out of 10

Based on 42 frontline employees who took The Breakroom Quiz

6th of 7 rated pawnbroker

Job description

Description
Position at American First Finance
Risk & Compliance Specialist
The Risk & Compliance Specialist supports the compliance program by ensuring adherence to applicable regulations, providing risk-based guidance to operations, and collaborating with cross-functional partners-including Legal, Operations, Business Risk, and senior leadership-to drive process improvements and strengthen overall compliance effectiveness.
Key Responsibilities
  • Interpret regulatory requirements and provide practical, risk-based guidance
  • Conduct compliance testing, monitoring, and risk assessments
  • Support governance activities, including issue and complaint management, and third-party oversight
  • Investigate and remediate compliance issues through root cause analysis
  • Assist with audits, examinations, and regulatory inquiries
  • Enhance policies, procedures, and internal controls
  • Monitor regulatory developments and support implementation
  • Provide guidance and mentorship to junior team members

Preferred Qualifications
  • 4-6+ years of experience in compliance, risk management, or audit
  • Experience with compliance testing, monitoring, or regulatory change management
  • Knowledge of consumer protection laws and regulatory frameworks
  • Strong analytical, problem-solving, and communication skills
  • Ability to manage multiple priorities in a fast-paced environment
  • Bachelor's degree required; CRCM or similar certification preferred

  • effective judgment; relies on experience to accomplish goals and objectives

About FirstCash Holdings, Inc.
FirstCash Holdings, Inc. is the leading international operator of pawn stores and a premier provider of technology-driven point-of-sale payment solutions, both dedicated to serving cash- and credit-constrained consumers.
With over 3,000 pawn stores across 29 U.S. states, the District of Columbia, and Latin America-including Mexico, Guatemala, Colombia, and El Salvador-FirstCash offers a diverse selection of pre-owned jewelry, electronics, tools, appliances, sporting goods, musical instruments, and more. In addition, our stores provide small, non-recourse pawn loans secured by pledged personal property, offering accessible financial solutions to the communities we serve.
Through our wholly owned subsidiary, American First Finance (AFF), FirstCash also delivers lease-to-own and retail finance payment solutions for consumer goods and services. With a nationwide network of over 13,000 retail merchant partners, we help customers access flexible financing options tailored to their needs.
With a workforce of approximately 20,000 employees across the U.S. and Latin America, FirstCash is committed to excellence, innovation, and financial inclusion. As a recognized industry leader, the company is a proud component of both the S&P MidCap 400 Index® and the Russell 2000 Index®, reflecting our strength and stability in the market.
Join FirstCash and be part of a company that values integrity, customer service, and growth.
Note: The information contained in this description is not intended to be an all-inclusive list of the duties and responsibilities of this job or the skills and abilities required to do the job. Management has the discretion to assign/reassign duties and responsibilities to this job at any time. Duties and responsibilities may be subject to change at any time due to reasonable accommodation or other reasons.
Submission of your application confirms your "opt-in" desire to receive additional phone, text and email communications from the FirstCash Talent Acquisition Team. These communications include information about the specific job you applied for and other potential opportunities available at FirstCash. Message and data rates may apply. You can unsubscribe to text messages by replying STOP to the message at any time. You can unsubscribe from email communications by clicking unsubscribe, within the email, at any time. Visit https://firstcash.com/privacy-policy for additional questions or information.
FirstCash Holdings, Inc. is an Equal Opportunity Employer
FirstCash Holdings, Inc. is committed to the full inclusion of all qualified individuals. In keeping with this commitment, FirstCash will ensure that individuals with disabilities are provided with reasonable accommodation. Accordingly, if a reasonable accommodation is required to fully participate in the job application or interview process; to perform the essential functions of the job; and/or to receive all other benefits and privileges of employment, please contact Human Resources at [email protected] or (800)645-2611 Ext. 1

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