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Payments Risk Analyst Jobs in Arizona (NOW HIRING)

MUFG

Payments Analyst

Tempe, AZ · Hybrid

Partner with technology, compliance, and risk teams on system changes, testing, and control ... Applies analytical thinking and sound judgment in time-sensitive payment processing scenarios

MUFG

Payments Analyst

Tempe, AZ · Hybrid

$61K - $77K/yr

ACH Operations Payments Analyst Reporting to the ACH Operations Manager (VP), the Payments Analyst ... Integrate risk management philosophies and procedures into Operations through the on-going ...

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Payments Risk Analyst information

What are the key skills and qualifications needed to thrive as a Payments Risk Analyst, and why are they important?

To thrive as a Payments Risk Analyst, you need strong analytical skills, knowledge of financial regulations, and experience in risk assessment, typically supported by a degree in finance, economics, or a related field. Familiarity with transaction monitoring systems, data analysis tools like SQL or Excel, and certifications such as CAMS or CFE are commonly required. Attention to detail, critical thinking, and effective communication are vital soft skills to excel in this role. These competencies are crucial for identifying and mitigating payment fraud, ensuring regulatory compliance, and maintaining the integrity of financial operations.

What are some common challenges faced by Payments Risk Analysts in monitoring and mitigating transaction fraud?

Payments Risk Analysts often encounter the challenge of quickly identifying and responding to evolving fraud patterns while maintaining a seamless customer experience. The role requires balancing proactive risk detection with minimizing false positives, which can inadvertently affect legitimate transactions. Analysts must collaborate closely with data scientists, compliance teams, and customer service to continuously refine fraud detection models and stay updated on emerging threats. Staying adaptable and leveraging advanced analytics tools are key to success in this fast-paced environment.

What are Payments Risk Analysts?

Payments Risk Analysts are professionals responsible for identifying, assessing, and mitigating risks associated with payment processing systems and transactions. They analyze transaction data to detect fraudulent activities, ensure compliance with regulations, and develop strategies to minimize financial losses for organizations. Their work often involves using advanced analytics and risk management tools to monitor trends, investigate suspicious activities, and recommend improvements to payment processes.
What are the most commonly searched types of Payments Risk Analyst jobs in Arizona? The most popular types of Payments Risk Analyst jobs in Arizona are:
What are popular job titles related to Payments Risk Analyst jobs in Arizona? For Payments Risk Analyst jobs in Arizona, the most frequently searched job titles are:
What job categories do people searching Payments Risk Analyst jobs in Arizona look for? The top searched job categories for Payments Risk Analyst jobs in Arizona are:
What cities in Arizona are hiring for Payments Risk Analyst jobs? Cities in Arizona with the most Payments Risk Analyst job openings:
Payments Risk Analyst jobs near you
Infographic showing various Payments Risk Analyst job openings in Arizona as of June 2026, with employment types broken down into 86% Full Time, 10% Part Time, and 4% Contract. Highlights an 80% Physical, 9% Hybrid, and 11% Remote job distribution.
Lead Enterprise Risk Analyst

Lead Enterprise Risk Analyst

Early Warning Services, LLC

Scottsdale, AZ • On-site

$125K - $156K/yr

Full-time

Medical, Dental, Vision, Retirement, PTO

Posted 27 days ago

Job description

At Early Warning, we've powered and protected the U.S. financial system for over thirty years with cutting-edge solutions like Zelle®, Paze℠, and so much more. As a trusted name in payments, we partner with thousands of institutions to increase access to financial services and protect transactions for hundreds of millions of consumers and small businesses.
Positions located in Scottsdale, San Francisco, Chicago, or New York follow a hybrid work model to allow for a more collaborative working environment.
Candidates responding to this posting must independently possess the eligibility to work in the United States, for any employer, at the date of hire. This position is ineligible for employment Visa sponsorship.
Overall Purpose
The Lead Enterprise Risk Analyst is a senior-level individual contributor within the Risk Program Governance function. This role is responsible for the day-to-day execution of the Enterprise Risk Management (ERM) framework, providing technical expertise and analytical support to ensure the Company's risk posture is accurately monitored, maintained, and reported.
Essential Functions
  • Framework Execution: Execute the development and maintenance of ERM policies and standards, ensuring alignment with COSO and OCC Heightened Standards across the firm.
  • Risk Assessment Support: Facilitate organization-wide risk assessments by providing technical guidance to business units to ensure material risks are identified and prioritized.
  • Issues Management: Perform day-to-day operations of the Issues Management framework, tracking the remediation lifecycle and ensuring data integrity within the GRC tool.
  • Stakeholder Collaboration: Act as a primary point of contact for business and second-line teams to ensure disciplined intake and timely resolution of risk findings.
  • Reporting & Analytics: Develop risk dashboards and management reports for the ERMC and Board, translating complex risk data into actionable trends and insights.
  • Audit & Exam Prep: Coordinate the collection and preparation of materials for internal audits and regulatory examinations, ensuring accuracy and timely submission.
  • Metric Development: Partner with management to define and monitor Key Risk Indicators (KRIs) and maintain comprehensive risk registers.
  • Process Optimization: Identify and implement efficiencies within the GRC platform, leveraging workflows and automation to streamline risk reporting.
  • Program Monitoring: Conduct periodic reviews of program effectiveness to drive continuous improvement based on regulatory expectations and industry trends.

Qualifications
  • Bachelor's degree in business-related discipline.
  • Typically 8+ years of progressive experience in enterprise risk, operational risk, or internal/external audit.
  • Strong understanding of the COSO Framework and regulatory requirements (e.g., OCC Heightened Standards) within financial services.
  • Proven experience working within a formal Three Lines of Defense (3LOD) model.
  • Strong interpersonal skills with the ability to collaborate effectively with Compliance, Security, IT, and Finance partners.
  • Advanced proficiency using GRC platforms (e.g., Archer, ServiceNow, or similar) to monitor and report on risks and controls.
  • Progress toward or completion of relevant industry certifications such as CIA, CRMA, or CISA preferred.
  • Self-motivated and capable of managing multiple priorities and working independently on complex assignments.
  • Background and drug screen.

The above job description is not intended to be an all-inclusive list of duties and standards of the position. Incumbents will follow instructions and perform other related duties as assigned by their supervisor.
Physical Requirements
Working conditions consist of a normal office environment. Work is primarily sedentary and requires extensive use of a computer and involves sitting for periods of approximately four hours. Work may require occasional standing, walking, kneeling and reaching. Must be able to lift 10 pounds occasionally and/or negligible amount of force frequently. Requires visual acuity and dexterity to view, prepare, and manipulate documents and office equipment including personal computers. Requires the ability to communicate with internal and/or external customers.
Employee must be able to perform essential functions and physical requirements of position with or without reasonable accommodation.
Early Warning Services is an affirmative action and equal opportunity employer.
The base pay scale for this position in:
Phoenix, AZ/ Chicago, IL / Washington, DC in USD per year is: $104,000 - $130,000.
New York, NY/ San Francisco, CA in USD per year is: $125,000 - $156,000.
Additionally, candidates are eligible for a discretionary incentive plan and benefits.
This pay scale is subject to change and is not necessarily reflective of actual compensation that may be earned, nor a promise of any specific pay for any specific candidate, which is always dependent on legitimate factors considered at the time of job offer. Early Warning Services takes into consideration a variety of factors when determining a competitive salary offer, including, but not limited to, the job scope, market rates and geographic location of a position, candidate's education, experience, training, and specialized skills or certification(s) in relation to the job requirements and compared with internal equity (peers). The business actively supports and reviews wage equity to ensure that pay decisions are not based on gender, race, national origin, or any other protected classes.
Some of the Ways We Prioritize Your Health and Happiness
  • Healthcare Coverage - Competitive medical (PPO/HDHP), dental, and vision plans as well as company contributions to your Health Savings Account (HSA) or pre-tax savings through flexible spending accounts (FSA) for commuting, health & dependent care expenses.
  • 401(k) Retirement Plan - Featuring a 100% Company Safe Harbor Match on your first 6% deferral immediately upon eligibility.
  • Paid Time Off - Flexible Time Off for Exempt (salaried) employees, as well as generous PTO for Non-Exempt (hourly) employees, plus 11 paid company holidays and a paid volunteer day.
  • 12 weeks of Paid Parental Leave
  • Maven Family Planning - provides support through your Parenting journey including egg freezing, fertility, adoption, surrogacy, pregnancy, postpartum, early pediatrics, and returning to work.

And SO much more! We continue to enhance our program, so be sure to check our Benefits page here for the latest. Our team can share more during the interview process!
Early Warning Services, LLC ("Early Warning") considers for employment, hires, retains and promotes qualified candidates on the basis of ability, potential, and valid qualifications without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote equal employment opportunity and affirmative action, in accordance with all applicable federal, state, and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our employees.
Early Warning Services LLC is a proud participant in E-Verify, a federal program to help ensure a legal and authorized workforce. As part of our hiring process, we electronically verify the employment eligibility of all new hires through E-Verify. For more information on your rights and responsibilities under E-Verify please visit Home | E-Verify.

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