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Remote Merchant Risk Analyst Jobs (NOW HIRING)

Wisetack

Lead Merchant Risk Analyst

We're looking for a Lead Merchant Risk Analyst to help shape how we detect, investigate, and respond to merchant fraud across the merchant lifecycle. This is a senior individual contributor role that ...

Xplor

Risk Analyst- REMOTE

Atlanta, GA · Remote

Reporting into the Director of Risk, you will help us with the daily monitoring of merchant ... Analyze merchant account activity alerts generated by automated monitoring systems inorder to ...

Xplor

Risk Analyst- REMOTE

Atlanta, GA · On-site +1

Reporting into the Director of Risk, you will help us with the daily monitoring of merchant ... Analyze merchant account activity alerts generated by automated monitoring systems in order to ...

Apogee Global RMS

Risk Analyst

San Jose, CA · Remote

Remote within the United States. Occasional travel for client engagements or firm offsites at ... Risk Analyst Contract Application." Applications are reviewed on a rolling basis.

Apogee Global RMS

Risk Analyst

San Jose, CA · On-site +1

Remote within the United States. Occasional travel for client engagements or firm offsites at ... Risk Analyst Contract Application." Applications are reviewed on a rolling basis.

Apogee Global RMS

Risk Analyst

San Jose, CA · Remote

Remote within the United States. Occasional travel for client engagements or firm offsites at ... Risk Analyst Contract Application." Applications are reviewed on a rolling basis.

Pavago

Risk Analyst

Risk Analyst / Risk Manager Position Type: Full-Time, Remote Working Hours: U.S. client business hours (with flexibility for reporting cycles, audits, and incident response) About the Role Our client ...

UnitedHealth Group

Credit Risk Analyst

Draper, UT · On-site +1

The Optum Bank Credit Risk Analyst will be responsible for assessing the credit risks that arise ... remote work) Primary Responsibilities: * Actively engage with Bank's lending and investing ...

EarnIn

Staff Risk Analyst

$170K - $210K/yr

This is a remote position offering the opportunity to create meaningful impact in a dynamic, fast ... analysis and risk design through rule implementation, monitoring, iteration, and ongoing ...

UMB Financial

EFT Risk Analyst

OR · On-site +1

$44K - $65K/yr

As the EFT Risk Analyst, you will assist with the ongoing administration and support of multiple ... However, the remote location must be within the US. The work schedule is Monday through Friday, 8 ...

UMB Financial Corporation

EFT Risk Analyst

Kansas City, MO · On-site +1

$44K - $65K/yr

As the EFT Risk Analyst, you will assist with the ongoing administration and support of multiple ... However, the remote location must be within the US. The work schedule is Monday through Friday, 8 ...

UMB Financial

EFT Risk Analyst

Kansas City, MO · On-site +1

$44K - $65K/yr

As the EFT Risk Analyst, you will assist with the ongoing administration and support of multiple ... However, the remote location must be within the US. The work schedule is Monday through Friday, 8 ...

Chubb

Vendor Risk Analyst

Chicago, IL · On-site +1

The Vendor Risk Management Analyst will be responsible for assessing, monitoring, and mitigating ... Complete onsite or remote audits of vendors to ensure that controls work as expected and procedures ...

Intelligo

Strategic Risk Analyst

Manhattan, NY · Remote

We are looking for a curious, detail-oriented Strategic Risk Analyst to join our research team. In ... Remote, East Coast working hours. Intelligo is proud to be an equal opportunity employer. We are ...

Nait

Risk Analyst

Campus, IL · On-site +1

$75K - $101K/yr

Research, compile, and analyze relevant information. * Develop, recommend, and implement strategies ... Please note that remote positions require employees to reside within Canada. NAIT is committed to ...

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All JobsRemote Merchant Risk Analyst Jobs

Remote Merchant Risk Analyst information

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How much do remote merchant risk analyst jobs pay per hour?

As of Jun 19, 2026, the average hourly pay for remote merchant risk analyst in the United States is $40.49, according to ZipRecruiter salary data. Most workers in this role earn between $29.81 and $49.28 per hour, depending on experience, location, and employer.

What is the difference between Remote Merchant Risk Analyst vs Remote Fraud Analyst?

AspectRemote Merchant Risk AnalystRemote Fraud Analyst
CredentialsExperience in risk management, certifications like CFE or CRCM often preferredSimilar certifications, focus on fraud detection and prevention
Work EnvironmentTypically in e-commerce, payment processing, or financial services companiesOften in banking, credit card companies, or online payment platforms
Industry UsageUsed in retail, e-commerce, and financial sectors to assess merchant risksCommon in banking and credit card industries to identify fraudulent activities

Both roles focus on risk assessment but differ in their primary focus: Merchant Risk Analysts evaluate merchant stability and compliance, while Fraud Analysts detect and prevent fraudulent transactions. Understanding these distinctions helps job seekers target the right roles in the industry.

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What are the most commonly searched types of Merchant Risk Analyst jobs? The most popular types of Merchant Risk Analyst jobs are:
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Remote Merchant Risk Analyst jobs near you
Infographic showing various Remote Merchant Risk Analyst job openings in the United States as of June 2026, with employment types broken down into 1% As Needed, 97% Full Time, and 2% Contract. Highlights an 95% Physical, 1% Hybrid, and 4% Remote job distribution, with an average salary of $84,210 per year, or $40.5 per hour.
Lead Merchant Risk Analyst

Lead Merchant Risk Analyst

Wisetack

Remote

Full-time

Posted 21 days ago

Job description

Since 2018, Wisetack has been building transparent and intuitive consumer lending products that help service-based businesses thrive (think HVAC companies, veterinarians, or auto repair shops).
Our leadership team comes from top fintech companies such as Lending Club, Affirm, and Varo Money. And we're backed by leading VCs, including Insight Partners, Greylock, Quadrille, and Bain Capital Ventures (investors in Airbnb, LinkedIn, Instagram, Dropbox, and more).
Having raised $84M, we're a well-funded startup and have invested in people and technology while growing our partnerships - responsibly.
We're also proud to have received recognition from the fintech world. Awards we've won include:
  • Ranked #21 on 2024 Inc. 5000 based on revenue growth
  • Ranked #15 on 2024 Deloitte Fast 500 based on revenue growth
  • 2024 Best Embedded Finance Solution for Banking Tech Awards
  • 2023 Best Consumer Lending Program by Tearsheet
  • 2023 Best Point of Sale Product by Fintech Breakthrough

But what you'll find us gleaming about the most is the recognition from our own customers, particularly our sky-high NPS rating of 79. (For reference, the average score is 44 for financial services and 36 for SaaS companies.)
As a result of our efforts in building this healthy company culture, we've been nominated to several Great Places to Work lists, such as Best Small Workplaces, Best Workplaces in the Bay Area, and Best Workplaces in Financial Services & Insurance.
Like any startup, we're in it for the long haul, and we're looking for people willing to join our journey of building something special together.
This process starts with our company values, which guide us in everything we do - and have played a critical role in our success. We valiantly abide by them, and would expect you to do the same:
  • Put customers first (that's our M.O.)
  • Act fast (leverage our startup environment).
  • Lead the way (show and tell).
  • Take ownership (everyone is hands-on here).
  • Be a good human (no egos, build financial products that do right by people).

Learn more about our values here.
The Role
Wisetack connects contractors and consumers through home services financing - and trust on both sides of that marketplace depends on effectively identifying and managing risk.
We're looking for a Lead Merchant Risk Analyst to help shape how we detect, investigate, and respond to merchant fraud across the merchant lifecycle. This is a senior individual contributor role that combines deep analytical work with opportunities to improve risk processes, monitoring, and decisioning at scale.
You'll work closely with Risk, Product, Data Science, Data Engineering, Compliance, and Operations to identify emerging threats, strengthen controls, and support safe growth for merchants and consumers.
As Wisetack continues to invest in automation and AI-powered workflows, you'll have the opportunity to help design and improve systems that make risk operations more scalable and effective.
Responsibilities
  • Lead analytical work across the merchant risk lifecycle, including onboarding, KYB/KYC, transaction monitoring, and merchant decisioning
  • Build and maintain queries, dashboards, alerts, and reporting that identify fraud patterns, emerging risks, and control gaps
  • Investigate high-risk merchant activity, including business misrepresentation, suspicious transactions, inflated invoices, collusion, refund abuse, and account takeover
  • Translate findings into clear recommendations that improve risk controls, merchant experience, and business outcomes
  • Measure the impact of rule changes, segmentation strategies, and risk experiments on fraud losses, approval rates, false positives, and customer experience
  • Partner with Data Science, Data Engineering, and third-party vendors to evaluate risk signals, models, data quality, and monitoring infrastructure
  • Contribute to the development of scalable monitoring, decisioning, and automation capabilities, including AI-enabled workflows where appropriate
  • Help identify emerging merchant fraud trends and opportunities to strengthen Wisetack's risk strategy
Requirements
  • Bachelor's degree in a quantitative field (math, economics, statistics, data science, finance, engineering) or equivalent practical experience
  • 5+ years of experience in fraud, merchant risk, payments risk, or financial services analytics
  • Strong SQL proficiency and experience using Python, R, SAS, or similar tools to analyze complex datasets and generate actionable insights
  • Experience working with risk models, machine learning outputs, or rules-based strategies to detect fraud and emerging risk trends
  • Familiarity with merchant onboarding, KYB/KYC, identity verification, business verification, sanctions screening, firmographic data, or fraud vendor integrations
  • Experience collaborating with Data Science and Data Engineering teams to develop scalable risk monitoring and decisioning capabilities
  • Strong communication, ownership, and judgment, with the ability to balance fraud prevention, merchant experience, consumer protection, compliance, and growth
  • Experience using AI tools, automation, or workflow optimization to improve analytical or operational efficiency is a plus
Bonus points
  • Fintech experience
  • Experience supporting consumer lending products
  • Experience building dashboards, automated monitoring, or operational workflows
  • Experience evaluating or implementing AI-powered tools and automation solutions
Conclusion
The range of base salary for the position is between $120,800.00 - $169,100.00, plus equity, and benefits. Please note that the base salary range is a guideline, and individual total compensation will vary based on factors such as qualifications, skill level and competencies.
Spend a little time on our About Us page and check out our Press page and our blog for more. If you think this might be a fit, we'd love to hear from you!
This hiring process utilizes artificial intelligence tools to assist in candidate screening and assessment. Our AI tools are designed to complement, not replace, human decision-making. Our data practices are described in Wisetack's Privacy Policy.

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