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Payments Risk Analyst Jobs in Buffalo, NY (NOW HIRING)

Keybank

Senior Credit Officer, Payments

Buffalo, NY · Hybrid

$96K - $181K/yr

Review, analyze, and adjudicate complex credit requests for Payments-Only relationships, with a primary focus on higher-risk profiles and large exposures (over $10 million). Target client profile may ...

Lthc

HCRA Analyst I/II/III

Buffalo, NY · On-site

... payments (PCMH), New York State MCO tax, health risk-based capital filings, and group capital ... The analyst serves as a subject matter expert for HCRA regulations and helps identify opportunities ...

Lthc

HCRA Analyst I/II/III

Buffalo, NY · On-site

... payments (PCMH), New York State MCO tax, health risk-based capital filings, and group capital ... The analyst serves as a subject matter expert for HCRA regulations and helps identify opportunities ...

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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 Buffalo, NY is $39.22, according to ZipRecruiter salary data. Most workers in this role earn between $28.89 and $47.74 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 Buffalo, NY?

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

What job categories do people searching Payments Risk Analyst jobs in Buffalo, NY look for?

The top searched job categories for Payments Risk Analyst jobs in Buffalo, NY are:

What cities near Buffalo, NY are hiring for Payments Risk Analyst jobs?

Cities near Buffalo, NY with the most Payments Risk Analyst job openings:

Payments Risk Analyst jobs near you
Infographic showing various Payments Risk Analyst job openings in Buffalo, NY as of August 2026, with employment types broken down into 76% Full Time, 6% Part Time, and 18% Contract. Highlights an 76% In-person, 18% Hybrid, and 6% Remote job distribution, with an average salary of $81,571 per year, or $39.2 per hour.

Senior Credit Officer, Payments

Keybank

Buffalo, NY • Hybrid

$96K - $181K/yr

Full-time

Re-posted 5 hours ago

Key responsibilities

  • Review, analyze, and adjudicate complex credit requests for Payments-Only relationships, focusing on higher-risk profiles and large exposures over $10 million.

  • Conduct in-depth risk assessments including evaluation of financial statements, payment flows, transaction structures, and counterparty risk.

  • Monitor approved credit exposures, identify potential issues, and escalate concerns to maintain portfolio asset quality.

KeyBank rating

8.2

Company rating: 8.2 out of 10

Based on 99 frontline employees who took The Breakroom Quiz

53rd of 175 rated banks

Job description

Location:

66 South Pearl Street, Albany New York

Job Description:

The Senior Credit Officer for Payments Products is a key member of the risk management team, responsible for adjudicating credit requests for Payments-Only client relationships. This role focuses on evaluating and approving higher-risk credit exposures, specifically those that are considered higher risk and / or exceed $10 million in exposure. SCOs are required to support profitable revenue growth while maintaining portfolio asset quality within Key's moderate credit risk appetite. They must execute against the defined credit process; ensuring consistency with Credit Policy and established underwriting guidelines.

Key Responsibilities:

  • Review, analyze, and adjudicate complex credit requests for Payments-Only relationships, with a primary focus on higher-risk profiles and large exposures (over $10 million). Target client profile may change as business needs change.

  • Conduct in-depth risk assessments, including evaluation of financial statements, payment flows, transaction structures, and overall counterparty risk.

  • Participate in overall portfolio monitoring, including quarterly risk assessments, asset quality reviews

  • Demonstrate a deep understanding of risk rating models.

  • Ensure accurate and timely risk rating of assigned portfolio.

  • Collaborate with product, relationship management, and risk teams to ensure credit decisions support business growth while maintaining prudent risk standards.

  • Monitor approved credit exposures, proactively identifying and escalating potential issues or deteriorating credit quality.

  • Participate in Asset Quality Review (AQR) process with clients who have adverse risk ratings.

  • Provide regular coverage of ACH exceedance approvals, will include some evening "on call" hours.

  • Stay current with industry trends, regulatory developments, and best practices related to payments products and credit risk management.

  • Advocate a positive risk culture amongst credit and underwriting staff and foster a sense of urgency in support of the Bank's focus on client centricity.

  • Periodic project assignments related to the constantly changing risk management environments.

  • Performs other duties as assigned; duties, responsibilities and/or activities may change or new ones may be assigned periodically.

  • Complies with all KeyBank policies and procedures, including without limitation, acting professionally at all times, conducting business ethically, avoiding conflicts of interest, and acting in the best interests of Key's clients and Key.

  • Credit Approval Authority will be based on experience level and size and/or type of credit treatment.

  • Occasional travel to include overnight stay.

Qualifications:

  • Bachelor's degree in Finance, Accounting, Business, or a related field;

  • Minimum of 5 years' experience in commercial credit underwriting, credit approval or other risk area, with a background in payments or transaction banking products preferred.

  • Demonstrated experience in evaluating or adjudicating high-value and higher-risk credit exposures.

  • Excellent analytical, communication, and decision-making skills.

  • Strong understanding of regulatory requirements and industry best practices in payments and credit risk.

Location: Albany, NY; Cleveland, OH; Buffalo, NY; Hybrid (minimum 3 days per week in office, may be subject to change).

COMPENSATION AND BENEFITS

This position is eligible to earn a base salary in the range of $96,000.00 - $181,000.00 annually. Placement within the pay range may differ based upon various factors, including but not limited to skills, experience and geographic location. Compensation for this role also includes eligibility for incentive compensation which may include production, commission, and/or discretionary incentives.

Please click here for a list of benefits for which this position is eligible.

Key has implemented an approach to employee workspaces which prioritizes in-office presence, while providing flexible options in circumstances where roles can be performed effectively in a mobile environment.

Job Posting Expiration Date: 09/13/2026 KeyCorp is an Equal Opportunity Employer committed to sustaining an inclusive culture. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, genetic information, pregnancy, disability, veteran status or any other characteristic protected by law.

Qualified individuals with disabilities or disabled veterans who are unable or limited in their ability to apply on this site may request reasonable accommodations by emailing HR_Compliance@keybank.com.

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About KeyBank

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Key is one of the nation's largest bank-based financial services companies. Key provides deposit, lending, cash management, insurance, and investment services to individuals and businesses in 15 states under the name KeyBank National Association through a network of more than 1,200 branches and more than 1,500 ATMs. Key also provides a broad range of sophisticated corporate and investment banking products, such as merger and acquisition advice, public and private debt and equity, syndications, and derivatives to middle market companies in selected industries throughout the United States under the KeyBanc Capital Markets trade name.

Industry

Banking and credit intermediation

Company size

10,000+ Employees

Headquarters location

Cleveland, OH, US

Year founded

1849

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