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Remote Merchant Risk Analyst Jobs (NOW HIRING)

Wisetack

Lead Merchant Risk Analyst

$120K/yr

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 ...

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 ...

Axiom Bank, N.A.

Merchant Risk & Compliance Analyst

Maitland, FL · On-site +1

$65K - $85K/yr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

Reporting to the Senior Manager, this analyst will be the first line of defense in ensuring that sponsored merchant portfolios remain within the Bank's established risk appetite and card brand ...

Axiom Bank

Merchant Risk & Compliance Analyst

Maitland, FL · On-site +1

$65K - $85K/yr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

Reporting to the Senior Manager, this analyst will be the first line of defense in ensuring that sponsored merchant portfolios remain within the Banks established risk appetite and card brand ...

System One

Risk Analyst

Vienna, VA · Remote

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

Hybrid - onsite and remote Hours: 40 hrs a week Security Clearance: Full background check, criminal - credit - fingerprinting Responsibilities * Support the operation of the risk function by ...

System One

Risk Analyst

Bellview, FL · Remote

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

Hybrid - onsite and remote Hours: 40 hrs a week Security Clearance: Full background check, criminal - credit - fingerprinting Responsibilities * Support the operation of the risk function by ...

System One

Risk Analyst

Vienna, VA · Remote

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

Hybrid - onsite and remote Hours: 40 hrs a week Security Clearance: Full background check, criminal - credit - fingerprinting Responsibilities * Support the operation of the risk function by ...

System One

Risk Analyst

Vienna, VA · Remote

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

Hybrid - onsite and remote Hours: 40 hrs a week Security Clearance: Full background check, criminal - credit - fingerprinting Responsibilities * Support the operation of the risk function by ...

Alkami Technology

Risk Analyst

  • Retirement

  • PTO

As a remote-first company, most of our positions can be remote in the US, except for key roles ... We are seeking a Risk Analyst to join the Risk Management team. This role will support the third ...

System One

Risk Analyst

Vienna, VA · Remote

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

Hybrid - onsite and remote Hours: 40 hrs a week Security Clearance: Full background check, criminal - credit - fingerprinting Responsibilities * Support the operation of the risk function by ...

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 ...

Trinoor

Risk Analyst or a Senior Risk Analyst

Boise, ID · On-site +1

$89K - $134K/yr

  • Retirement

While this position is based at Idaho Power's downtown Boise location, we offer both flexible schedules and the opportunity to work up to 40% remote. What does a Risk Analyst or Senior Risk Analyst ...

Keybank

Manager, Commercial Card and Merchant Risk

$96K - $181K/yr

Remote Option: If the selected candidate lives outside of KeyBank's geographic footprint, the ... As part of this team, the Manager - Commercial Card and Merchant Risk has responsibility for ...

Atlas Energy Solutions

Senior Risk Analyst

Austin, TX · On-site +1

  • Medical

  • Dental

  • Vision

  • Retirement

  • PTO

With a focus on leveraging technology, automation, and remote operations to enhance efficiencies ... The Senior Risk Analyst advances the company's risk management function through disciplined data ...

Atlas Energy Solutions

Senior Risk Analyst

Austin, TX · On-site +1

With a focus on leveraging technology, automation, and remote operations to enhance efficiencies ... The Senior Risk Analyst advances the company's risk management function through disciplined data ...

BECU

Enterprise Risk Analyst - AI Risk

OR · On-site +1

$68K - $127K/yr

  • Medical

  • Dental

  • Vision

  • Retirement

  • PTO

Remote or onsite, we are committed to ensuring you are fully engaged and included in our ... Risk Analytics & Reporting: Develop analyses, testing procedures, dashboards, monitoring tools, and ...

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Remote Merchant Risk Analyst information

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$15

$40

$65

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

As of Aug 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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Remote Merchant Risk Analyst jobs near you
Infographic showing various Remote Merchant Risk Analyst job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 88% Full Time, 8% Part Time, and 3% Contract. Highlights an 87% Physical, 5% Hybrid, and 8% Remote job distribution, with an average salary of $84,210 per year, or $40.5 per hour.

Lead Merchant Risk Analyst

Wisetack

Remote

$120K/yr

Full-time

Re-posted 21 days ago

Job description

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!

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