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Merchant Risk Analyst Jobs in Houston, TX (NOW HIRING)

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Assistant Store Manager

Houston, TX · On-site

... store merchandising, creating a clean, organized, and visually appealing shopping environment ... risk management activities. * Financial Oversight - Support budgeting efforts, analyze Profit ...

Park Lawn Corporation

Staff Accountant

Houston, TX

$52K - $69K/yr

Employee Discounts on services, merchandise, and property to help our team members in their time of ... Summary/Objective Provides management with financial information by researching and analyzing ...

Park Lawn Corporation

Staff Accountant

Houston, TX · On-site

$52K - $69K/yr

Employee Discounts on services, merchandise, and property to help our team members in their time of ... Summary/Objective Provides management with financial information by researching and analyzing ...

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All JobsMerchant Risk Analyst JobsMerchant Risk Analyst Jobs in Houston, TX

Merchant Risk Analyst information

See Houston, TX salary details

$14

$38

$62

How much do merchant risk analyst jobs pay per hour?

As of Jun 10, 2026, the average hourly pay for merchant risk analyst in Houston, TX is $38.66, according to ZipRecruiter salary data. Most workers in this role earn between $28.46 and $47.07 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.

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.

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 Houston, TX? The most popular types of Merchant Risk Analyst jobs in Houston, TX are:
What are popular job titles related to Merchant Risk Analyst jobs in Houston, TX? For Merchant Risk Analyst jobs in Houston, TX, the most frequently searched job titles are:
What job categories do people searching Merchant Risk Analyst jobs in Houston, TX look for? The top searched job categories for Merchant Risk Analyst jobs in Houston, TX are:
Merchant Risk Analyst jobs near you
Infographic showing various Merchant Risk Analyst job openings in Houston, TX as of June 2026, with employment types broken down into 100% Full Time. Highlights an 94% In-person, and 6% Hybrid job distribution, with an average salary of $80,418 per year, or $38.7 per hour.
Cash Management / Treasury Management Officer

Cash Management / Treasury Management Officer

Golden Bank NA

Houston, TX • On-site

Full-time

Posted 17 days ago

Job description

JOB SUMMARY

The Treasury Management Sales Specialist provides comprehensive sales, implementation, and administrative support for the Bank's Treasury Management services to commercial clients. The role partners with the Lending Team, Branch Network, and Operations to support the development and expansion of the Bank's Treasury Management capabilities. Responsibilities include assisting with client onboarding, product implementation, and supporting revenue growth through the adoption of treasury services such as ACH, RDC, wires, sweeps, and fraud-prevention tools.

the successful candidate will be a highly organized, detail-oriented professional with strong knowledge of commercial banking products and the ability to work in a fast-paced, deadline-driven environment.


PRIMARY ACCOUNTABILITIES/RESPONSIBILITIES:

  • Sales and Proposal Preparation:
  • Work directly with front line branch staff and lending team to prepare sales proposals, presentations, and product demonstrations for prospective and existing clients.
  • Analyze client account data to identify needs and recommend appropriate treasury management solutions.
  • Prepare financial analysis and proformas, including cost-benefit analyses, to demonstrate the value of proposed services.
  • Assist in the pricing process and prepare all necessary documentation for internal approvals.
  • Support responses to Requests for Proposals (RFPs) for treasury management services.
  • Treasury Management Development and Implementation:
  • Support the development and enhancement of the Bank’s Treasury Management program and service offerings.
  • Assist in establishing and maintaining standardized treasury client onboarding procedures.
  • Collaborate with internal departments to streamline implementation workflows for treasury products and services.
  • Support internal product education and training for lenders and branch personnel on treasury management solutions.
  • Participate in periodic review of treasury management products and service offerings to ensure competitiveness and alignment with client needs.
  • Assist in monitoring treasury management service utilization and identifying opportunities for expanded client adoption.
  • Client Management and Support:
  • Act as a primary point of contact for treasury management clients, addressing inquiries and resolving service issues.
  • Proactively review client accounts to identify additional treasury service opportunities.
  • Coordinate with other internal departments including Branch Operations, Digital Banking, BSA/AML, and IT to ensure efficient setup and servicing of treasury services.
  • Assist with client onboarding including documentation collection, system setup coordination and service implementation.
  • Administrative and Reporting:
  • Maintain accurate client records within the Bank’s CRM and internal systems.
  • Track treasury management pipeline activity, client onboarding progress, and service adoption metrics.
  • Assist in monitoring treasury management fee income and service utilization trends.
  • Support reporting and analysis related to treasury management program performance.
  • Risk and Compliance:
  • Ensure treasury management implementation comply with internal policies, regulatory requirements, and operational procedures.
  • Coordinate with Risk Management and BSA/AML teams regarding treasury-related fraud prevention tools and client protection solutions.
  • Identify and escalate potential operational, fraud, or compliance risks to the appropriate departments.
  • Support internal reviews of treasury management client documentation and controls.

QUALIFICATIONS AND SKILLS:

  • Education: Bachelor's degree in Business, Finance, Accounting, or a related field.
  • Experience: 5+ years of experience in financial services, with a strong preference for previous experience in a sales support, customer service, or treasury management role.
  • Technical Skills:
    • Proficiency in Microsoft Office Suite (Word, Excel, PowerPoint) is required.
    • Familiarity with banking software, and bank’s treasury management products, including ACH/Wires, Positive Pay, Remote Deposit Capture (RDC), Merchant Card Processing, Bill Pay and Online/Mobile Banking.
    • Strong analytical and quantitative skills to perform financial analysis and create reports.
  • Communication Skills:
    • Exceptional verbal and written communication skills for interacting with clients and internal stakeholders.
    • Ability to clearly explain complex financial products and concepts.
  • Personal Attributes:
    • Highly organized with meticulous attention to detail.
    • Strong problem-solving and critical-thinking abilities.
    • Self-motivated, proactive, and able to work independently as well as part of a team.
    • Proven ability to manage multiple tasks and prioritize work in a fast-paced, high-pressure environment.