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Payments Risk Analyst Jobs in Texas (NOW HIRING)

SignaPay

Risk Analyst - Payments Industry

Irving, TX · On-site

Position: Risk / Fraud Analyst Reports To: Director of Risk Direct Reports: None Description ... Knowledge of payment processing and the various departments that connect with risk such as ...

Adobe

Payments & Commercial Abuse Analyst

Austin, TX · On-site

Through data-driven investigations, payment risk analysis, abuse detection, and cross-functional partnerships, the team uncovers emerging threats, develops scalable mitigations, and delivers ...

New

Amiseq Inc.

Risk Analyst

Frisco, TX · On-site

... our payment processing merchants * Review merchant cases to release funds held for fraud and ... Analyze customer information, financial patterns, and transaction data to identify fraud and risk ...

Deluxe

Risk Analyst

Fort Worth, TX · On-site

Review/request additional information to decision daily audits to determine if merchant processing activity is an acceptable risk to First American Payment Systems. * Monitor/process daily releases ...

Intuit

Quality Risk Analyst 2

Frisco, TX · On-site

... our Payments, Payroll, BillPay, Banking, and Capital Lending products. Maintaining relationships ... As a Risk Analyst 2, you will be responsible for analyzing the accurate and timely processing of ...

Braviant Holdings

Senior Credit Risk Analyst

Dallas, TX · On-site

Senior Credit Risk Analyst Function: Credit Risk Reports to:Head of Credit Level:Mid-Level / Senior ... Experience in subprime consumer lending, fintech, payments, or another regulated financial services ...

Braviant Holdings

Senior Fraud Risk Analyst

Dallas, TX · On-site

... a Fraud Risk Analyst to help protect the business from identity fraud, first-party fraud, and ... Experience in subprime consumer lending, fintech, payments, or another regulated financial services ...

Intuit

Quality Risk Analyst 2

Frisco, TX · On-site

... our Payments, Payroll, BillPay, Banking, and Capital Lending products. Maintaining relationships ... As a Risk Analyst 2, you will be responsible for analyzing the accurate and timely processing of ...

Intuit

Quality Risk Analyst 2

Frisco, TX · On-site

... our Payments, Payroll, BillPay, Banking, and Capital Lending products. Maintaining relationships ... As a Risk Analyst 2, you will be responsible for analyzing the accurate and timely processing of ...

SWBC

VP Governance Risk & Compliance

Shavano Park, TX · On-site

$113K - $151K/yr

The VP, Payments Risk and Compliance will oversee the documentation of risk controls in a ... analysis and identify customer experience improvement activities. * Ensure compliance with FINCEN ...

Visa

Senior Risk Operations Analyst

Austin, TX · On-site

About Us Visa is a world leader in payments technology, facilitating transactions between consumers ... The Senior Risk Operations Analyst is a high visibility and demanding role, responsible for ...

Visa

Senior Risk Operations Analyst

Austin, TX · Hybrid

About Us Visa is a world leader in payments technology, facilitating transactions between consumers ... The Senior Risk Operations Analyst is a high visibility and demanding role, responsible for ...

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Payments Risk Analyst information

What is a payments risk analyst?

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 skills and qualifications are needed to be a payments risk analyst?

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 challenges do payments risk analysts face 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.

Do payments risk analysts make good money?

Payments risk analysts typically earn a competitive salary that varies based on experience, location, and industry. Entry-level positions may start around $50,000 annually, while experienced analysts can earn over $100,000, especially with specialized skills in fraud detection and data analysis. Certifications such as Certified Fraud Examiner (CFE) can also enhance earning potential.

How much do payments risk analysts get paid?

Payments risk analysts typically earn a median annual salary of around $60,000 to $80,000, depending on experience, location, and industry. Entry-level positions may start lower, while experienced analysts with certifications can earn higher salaries, especially in financial services or technology sectors.

Is a payments risk analyst a good job?

A payments risk analyst is a role focused on identifying and mitigating fraud and financial risks in payment systems. It typically requires analytical skills, knowledge of financial regulations, and familiarity with risk management tools. The job offers opportunities for career growth in finance and technology sectors but can involve high-pressure situations and the need for continuous learning.

What are the most commonly searched types of Payments Risk Analyst jobs in Texas?

The most popular types of Payments Risk Analyst jobs in Texas are:

What are popular job titles related to Payments Risk Analyst jobs in Texas?

For Payments Risk Analyst jobs in Texas, the most frequently searched job titles are:

What job categories do people searching Payments Risk Analyst jobs in Texas look for?

The top searched job categories for Payments Risk Analyst jobs in Texas are:

What cities in Texas are hiring for Payments Risk Analyst jobs?

Cities in Texas with the most Payments Risk Analyst job openings:

Payments Risk Analyst jobs near you
Infographic showing various Payments Risk Analyst job openings in Texas as of September 2026, with employment types broken down into 1% As Needed, 85% Full Time, 10% Part Time, 1% Temporary, and 3% Contract. Highlights an 81% Physical, 5% Hybrid, and 14% Remote job distribution.

Payments Risk Analyst

Westlake, TX

Certegy Payment Solutions, LLC
51 - 200 employees
Learn more about Certegy Payment Solutions, LLCexternal

Full-time

Re-posted 25 days ago

Job description

Role Overview

At Certegy, we enable secure, efficient payment acceptance by combining traditional and real-time risk controls across check, ACH, and emerging payment rails. Our clients range in size from locally owned small businesses to the largest retailers in America, many of which have relied on us for over fifty years to provide check verification and warranty services.

We are seeking a Payments Risk Analyst to help maintain our expertise in the industry.  This role will be responsible for the fraud and risk monitoring of multiple clients, balancing loss mitigation strategies while meeting customer SLAs in a high-volume real-time payments environment. This role requires close collaboration with finance, data science, and product teams, along with the ability to clearly communicate risk insights and performance metrics to both technical and non-technical stakeholders.

 

Key Responsibilities

  • Analyze transactional data for fraud, returns, and loss trends using exploratory data analysis techniques to identify emerging risks and systemic vulnerabilities.
  • Forecast client risk performance and proactively recommend control adjustments based on transactional trends.
  • Collaborate with data science teams to translate data, trends, and other investigative findings, into model enhancements for real-time decisioning strategies.
  • Design, implement, and maintain risk controls to balance loss reduction with transactional acceptance rates and customer experience.
  • Support incident response and escalation for significant fraud events by performing root cause analysis and coordinating with internal teams to mitigate impact.
  • Evaluate strategy performance by tracking key metrics such as fraud loss rates, acceptance rates, and client-specific risk thresholds.
  • Document risk strategies, findings, and outcomes to support operational consistency, audit readiness, and continuous improvement.
  • Partner directly with clients to review fraud trends, explain risk tradeoffs, and recommend best practices tailored to their business models.
  • Develop and maintain executive-level dashboards to communicate performance, trends, and risk exposure to internal leadership and external partners.
 

Skills & Qualifications

  • Strong analytical and problem-solving skills with the ability to identify patterns in large-scale transactional data.
  • Advanced proficiency in Microsoft Excel and working knowledge of data visualization tools (Oracle Analytics Cloud, Power BI, Tableau, or similar).
  • Experience applying statistical analysis techniques to fraud detection, loss analysis, and risk optimization.
  • Excellent written and verbal communication skills, with demonstrated ability to present complex risk concepts to clients, senior leadership, and cross-functional partners.
  • Ability to work independently while managing multiple client risk portfolios in a fast-paced, real-time environment.
  • Payments industry experience in ACH, real-time payments (RTP/FedNow), BNPL, checks, or alternative payment methods strongly preferred.
  • Bachelor’s degree in Mathematics, Statistics, Finance, Economics, or a related quantitative field.
  • 2–3+ years of experience in payments risk, fraud analytics, or financial analysis.
 

Work Environment

Onsite – Westlake, Texas or Clearwater, Florida
U.S. work authorization required (no visa sponsorship available)

Employment Type: FULL_TIME

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