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Payments Risk Analyst Jobs in Santa Ana, CA (NOW HIRING)

Quantum Electronic Payments

Risk Analyst

Anaheim, CA · On-site

$50K - $60K/yr

We're a growing fintech company focused on delivering innovative payment processing solutions and ... We are looking for a dependable and analytical Risk Analyst I to monitor merchant activity ...

Arena Club

Fraud Analyst

Los Angeles, CA

About the Role We're seeking a Fraud Analyst to serve as the founding member of our risk team. In this role, your primary mission is to protect our business infrastructure, secure our payment ...

Arena Club

Fraud Analyst

Los Angeles, CA · On-site

$60K - $80K/yr

About the Role We're seeking a Fraud Analyst to serve as the founding member of our risk team. In this role, your primary mission is to protect our business infrastructure, secure our payment ...

Arena Club

Fraud Analyst

Los Angeles, CA · On-site

$60K - $80K/yr

About the Role We're seeking a Fraud Analyst to serve as the founding member of our risk team. In this role, your primary mission is to protect our business infrastructure, secure our payment ...

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All JobsPayments Risk Analyst JobsPayments Risk Analyst Jobs in Santa Ana, CA

Payments Risk Analyst information

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How much do payments risk analyst jobs pay per hour?

As of Sep 6, 2026, the average hourly pay for payments risk analyst in Santa Ana, CA is $42.13, according to ZipRecruiter salary data. Most workers in this role earn between $31.01 and $51.30 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 Santa Ana, CA?

For Payments Risk Analyst jobs in Santa Ana, CA, the most frequently searched job titles are:

What job categories do people searching Payments Risk Analyst jobs in Santa Ana, CA look for?

The top searched job categories for Payments Risk Analyst jobs in Santa Ana, CA are:

What cities near Santa Ana, CA are hiring for Payments Risk Analyst jobs?

Cities near Santa Ana, CA with the most Payments Risk Analyst job openings:

Payments Risk Analyst jobs near you

Risk Analyst

Quantum Electronic Payments

Anaheim, CA • On-site

$50K - $60K/yr

Full-time

Medical, Dental, Vision, Retirement, PTO

Posted 22 days ago

Job description

Unlock your potential with Quantum ePay®. We're a growing fintech company focused on delivering innovative payment processing solutions and merchant technology that helps businesses lower costs, earn more, and operate with confidence.

We are looking for a dependable and analytical Risk Analyst I to monitor merchant activity, identify potential fraud or financial exposure, and help protect the company and our merchant partners from unnecessary risk. This role will review transactions, investigate unusual account activity, evaluate risk factors, and determine appropriate action within established guidelines.

The ideal candidate is analytical, detail-oriented, customer-focused, and comfortable using sound judgment to identify and resolve potential risk.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

  • Review merchant applications to evaluate credit, financial, operational, and compliance risk
  • Interpret consumer and business credit reports, corporate registrations, bank statements, financial statements, tax returns, processing statements, and other supporting documents
  • Verify the accuracy and completeness of information provided on merchant applications
  • Complete business verification and additional research using internal tools and third-party resources
  • Approve, pend, decline, or escalate applications based on company policies
  • Assign appropriate merchant risk ratings and document the reasoning behind underwriting decisions
  • Clearly communicate pending requirements and follow up on outstanding information
  • Respond to questions from agents, sales representatives, merchants, and internal departments
  • Identify inconsistencies, potential fraud indicators, and emerging risk trends
  • Navigate multiple systems to review, update, and track application statuses
  • Maintain complete and accurate underwriting notes and documentation
  • Perform additional duties as assigned

QUALIFICATIONS:

  • 2+ years of experience in banking, financial services, merchant services, risk, fraud, underwriting, customer service, or a related environment preferred
  • Strong analytical and problem-solving skills with the ability to review information, identify inconsistencies, and recognize potential risk
  • Excellent attention to detail and ability to make thoughtful decisions based on available information
  • Strong research and investigative skills with a willingness to dig deeper when something doesn't look right
  • Customer-service minded with strong written and verbal communication skills
  • Ability to handle sensitive or escalated situations professionally
  • Comfortable managing multiple priorities in a fast-paced environment
  • Proficiency with Microsoft Office, including Excel and Outlook
  • Experience with payment processing or TSYS is a plus

LOCATION: This role requires the employee to work fully onsite at our Anaheim Hills location.

SALARY:

This role includes biannual profit-sharing bonuses as part of a total compensation package, in addition to a full range of medical, dental, retirement planning, and/or other benefits.

  • Base salary range: $50,000 - $60,000
  • Salary including quarterly profit-sharing bonus and comprehensive benefits program range (annualized): $67,725 - $79,725

WHY WORK HERE?

  • Awarded Top Workplace of Orange County by the OC Register
  • Flex PTO!
  • New state of the art, open-concept facility with stand-up desks, balance boards, stationary bikes and more!
  • Work hard, play hard culture!
  • Monthly Beer Socials and BBQs!
  • Proven "promote from within" mentality!
  • Benefit offerings:
    • Medical, dental, vision, acupuncture and chiropractic
    • 401k Safe Harbor; 100% employer match processed semi-monthly, up to 4%
    • Profit Sharing; paid on a biannual basis

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