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Payments Risk Analyst Jobs in Allen, TX (NOW HIRING)

US Bank

Fraud Prevention Analyst

Irving, TX · On-site

We are hiring for an exciting opportunity as a Fraud Risk Analyst within U.S. Bancorp ... payments * Experience analyzing fraud performance data, alerts, or rule-based controls * Strong ...

Altruist

Senior Corporate Actions Analyst

Dallas, TX · On-site

Oversee dividends, interest, and related payments; ensure proper withholding, tax treatment, and ... Risk Management: Identify, escalate, and resolve discrepancies; ensure compliance with internal ...

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Payments Risk Analyst information

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How much do payments risk analyst jobs pay per hour?

As of Sep 5, 2026, the average hourly pay for payments risk analyst in Allen, TX is $37.66, according to ZipRecruiter salary data. Most workers in this role earn between $27.74 and $45.82 per hour, depending on experience, location, and employer.

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 popular job titles related to Payments Risk Analyst jobs in Allen, TX?

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

What job categories do people searching Payments Risk Analyst jobs in Allen, TX look for?

The top searched job categories for Payments Risk Analyst jobs in Allen, TX are:

What cities near Allen, TX are hiring for Payments Risk Analyst jobs?

Cities near Allen, TX with the most Payments Risk Analyst job openings:

Payments Risk Analyst jobs near you

Credit Risk Analyst II - Texas - Onsite

Security National Bank

Dallas, TX • Remote

Full-time

Re-posted 24 days ago

Job description

Established in 1964 in Omaha, Nebraska, our family-owned financial institution's vision is to be the best in class in meeting the evolving financial needs of our customers. Our extensive history and family-owned legacy give us a deep and genuine understanding of how to serve and treat our customers. We offer a holistic financial approach with solutions for personal, business and wealth in three markets: Iowa, Nebraska and Texas.

As a community bank, we value long-term partnerships built on trust and integrity. As an employer, we take pride in building meaningful relationships and celebrating the unique differences that define each team member; it's what makes us a stronger unit. It's one of the many reasons why creating a strong culture of empowerment, support, and opportunity is an ongoing focus.


JOB SUMMARY

This position is responsible for exercising discretion and independent judgment in an analytical capacity by underwriting loans using the bank’s lending software - completing written analyses of the applicant’s ability to repay the loan and assess the strengths and weaknesses of the Bank’s repayment sources considering industry and other environmental trends. Assists assigned Relationship Managers with monitoring and managing credit risk for existing client relationships. Interprets and carries out policies relating to all phases of credit administration department functions.


ESSENTIAL FUNCTIONS

Financial Analysis & Credit Underwriting (60%)

  • For Commercial & Industrial (C&I) businesses, commercial real estate investors, and private banking clients:
    1. New Business: For new or existing relationships with proposed credit exposure generally over Loan Committee thresholds, prepare a Credit Memo with the Relationship Manager including: analysis of the business and industry, financial statement changes and trends, cash flow adequacy, collateral coverage, and Guarantor support (including a global cash flow analysis, as needed). Address causes (how/why) for material changes. Cite mitigants and provide remediation for weaknesses and potential problems. Identify and discuss strengths, weaknesses, opportunities, and threats.
    2. Renewals: For relationships with credit exposure generally over Loan Committee thresholds, approximately 60 days prior to maturity of loans, review the Renewal Checklist prepared by the Relationship Coordinators. If not prepared, check the loan system (or credit file) and inform the Relationship Coordinator and Relationship Manager of financial statements, collateral reports, personal financial statements, tax returns, and other customary documentation needed to underwrite the renewal. Underwrite the Borrower and obtain approval for renewal ideally 30 days, but not less than 10 days, prior to maturity.


Reviews (20%)

  • As part of the ongoing portfolio management for Commercial & Industrial (C&I) businesses, commercial real estate investors, and private banking clients:
    1. Annual Credit Reviews: For Borrowers generally over Loan Committee thresholds, determine on-going credit quality and appropriateness of the assigned risk rating by reviewing the Borrower’s payment history, financial statement trends & cash flow, and/or operating statements and rent rolls for the Bank’s commercial real estate collateral.
    2. Loan Reviews: As requested, assist with the independent Loan Review process by completing Loan Reviews in conjunction with the Annual Credit Review.
    3. Problem Asset Reports: Coordinate and assist the Relationship Manager with the completion of individual monthly reports for loans risk rated Special Mention or worse to ensure completeness and accuracy including: Risk rating rationale, nonaccrual & TDR determination, reserve & impairment discussion, cash flow analysis, collateral analysis, guarantor analysis, strategy statement, and current action plans with S.M.A.R.T. goals.
    4. Complete reviews of the Bank’s investments, as assigned.
    5. Complete financial analyses of the Bank’s vendors, as assigned.


Financial Statement Spreading (10%)

  • Create/update spreads of financial statements or tax returns using software and test for compliance with financial covenants, when applicable.
  • Verify that the tracking items are accurate and update them if they are not, in addition to the normal spreading done in conjunction with underwriting and reviews.

Consumer Underwriting (5%)

  • Assists in the underwriting of consumer loans.


Other Duties as Assigned (5%)

  • Minutes: Record and distribute minutes for Loan Committee meetings.
  • Meetings: Assist with conducting the Past Due Meeting by presenting various reports on the projector and advise Loan Committee members of liens and garnishments since the last meeting.
  • Prepare real estate evaluations and complete appraisal reviews.
  • Assist with portfolio management by completing floor plan inspections, borrowing base reviews, or collateral exams.
  • Assist with the preparation of monthly monitoring reports and credit analytics.
  • Conducting joint customer calls with Bankers as needed.


KNOWLEDGE, SKILLS AND ABILITIES

  • Ability to demonstrate strong analytical skills with a thorough knowledge and understanding of financial statements and tax returns including an understanding of Generally Accepted Accounting Principles (GAAP)
  • Ability to communicate effectively both verbally and in writing using good business writing skills
  • Excellent time management, and attention to detail skills, along with an ability to prioritize multiple tasks to meet deadlines
  • Strong critical thinking skills using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems
  • Advanced skills with Word, Excel, Outlook, and bank loan systems
  • Ability to maintain predictable and reliable attendance
  • Ability to complete required training by assigned due date


EDUCATION* 

  • Minimum of a bachelor’s degree in finance, accounting or related business field, or equivalent banking experience required


EXPERIENCE*

  • Minimum of 3-4 years of commercial credit analysis experience required; banking industry experience strongly preferred
  • Previous experience using Baker Hill software preferred

*Equivalent education and experience will be considered


PHYSICAL REQUIREMENTS

While performing the duties of this job, the employee is regularly required to stand; use hands to handle or feel; reach with hands and arms; and talk or hear.  The employee frequently is required to walk.  The employee is occasionally required to stoop or kneel.  Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, and depth perception.

 

WORKING CONDITIONS

This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.


AFFIRMATIVE ACTION
Security National Bank provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, gender, sexual orientation, gender identity or expression, national origin, age, disability, genetic information, marital status, amnesty, or status as a covered veteran in accordance with applicable federal, state and local laws.


**NOTE: Relocation is not provided for this position.


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