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Risk Operation Analyst Jobs (NOW HIRING)

Jonas Software

Risk Analyst

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

The Risk Analyst will work closely with Risk leadership, Underwriting, Onboarding, Merchant Support ... Monitor merchant activity for fraud, compliance, reputational, operational, ACH, chargeback, and ...

Pyramid Consulting, Inc.

Risk Analyst -Customer Support

Atlanta, GA · On-site

$25 - $31.70/hr

  • Medical

  • Dental

  • Vision

  • Retirement

Work across variety of risk operation scenarios (fraud-focused, financial risk-focused) * Serve as ... Transaction monitoring and pattern analysis * Review business credit reports * Educate customers ...

Prosegur

Risk Intelligence Analyst

Lowell, MA

Risk Intelligence Analyst The mission of the Virtual Global Security Operations Center (vSOC) is to provide a centralized monitoring center to coordinate our client's response to crisis, emergencies ...

Prosegur Security USA

Risk Intelligence Analyst

Lowell, MA · On-site

$28/hr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

Job Details The mission of the Virtual Global Security Operations Center (vSOC) is to provide a ... The Risk Intelligence Analyst will use internal and external intelligence sources to research ...

Airwallex

Analyst, Treasury Operation

San Francisco, CA · On-site

$80K - $110K/yr

As a Treasury Operation Analyst in our Treasury team, you will create transparency on cash ... Improve transparency on Airwallex's global cash positions, funding needs, risk exposures, and ...

HERITAGE BANK

Operational Risk Analyst (On-site)

Tacoma, WA · On-site

$36.44 - $45.55/hr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

Our Risk and Compliance team is seeking an operational risk analyst to join the team. This position is responsible for supporting the Operational Risk Management (ORM) framework under the Enterprise ...

1 point system

Risk Investigation Analyst

Redmond, WA · On-site

: 1.They will review / provide the operational requirements to product & engineering, write ... This resource will work with other teams in the organization such as Customer Care, Risk Operations ...

Culmen International LLC

Operations Analyst (SOCOM)

Tampa, FL · On-site

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

About the Role Culmen International is seeking an Operation Analyst for USSOCOM support at MacDill ... This role demands data-driven insights, risk-assessment capabilities, and strategic coordination to ...

Culmen International LLC

Operations Analyst (SOCOM)

Tampa, FL

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

About the Role Culmen International is seeking an Operation Analyst for USSOCOM support at MacDill ... This role demands data-driven insights, risk-assessment capabilities, and strategic coordination to ...

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Risk Operation Analyst information

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How much do risk operation analyst jobs pay per hour?

As of Aug 13, 2026, the average hourly pay for risk operation 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 does a risk operation analyst do?

A Risk Operation Analyst is responsible for identifying, assessing, and monitoring risks that could affect an organization's financial health or operations. They analyze data to detect trends or potential threats, help develop policies to mitigate risks, and ensure compliance with regulatory standards. Their work supports decision-making by providing insights on risk exposure and recommending strategies to minimize losses. Risk Operation Analysts often collaborate with other teams to implement risk management solutions and report findings to management.

What are the key skills and qualifications needed to thrive as a risk operation analyst, and why are they important?

To thrive as a Risk Operation Analyst, you need strong analytical and problem-solving skills, attention to detail, and a background in finance, business, or a related field. Familiarity with data analysis tools like Excel, SQL, and risk management platforms, as well as relevant certifications such as FRM or CFA, is often required. Excellent communication, adaptability, and the ability to work under pressure are crucial soft skills for this role. These competencies are essential for identifying, assessing, and mitigating risks effectively, ensuring organizational stability and compliance.

What are some typical challenges risk operation analysts face when working with cross-functional teams?

Risk Operation Analysts frequently collaborate with departments such as compliance, fraud detection, and customer service. One common challenge is aligning priorities and timelines, as each team may have different objectives and urgency levels. Additionally, interpreting and communicating complex risk data in a way that is actionable for non-technical stakeholders can require strong communication and negotiation skills. Building relationships and establishing clear processes for information sharing are essential for overcoming these obstacles and ensuring effective risk mitigation.

What is the difference between Risk Operation Analyst vs Risk Analyst?

AspectRisk Operation AnalystRisk Analyst
Required CredentialsBachelor's degree in finance, economics, or related field; certifications like FRM or CRM beneficialBachelor's degree in finance, economics, or related; certifications like FRM or CRM common
Work EnvironmentFinancial institutions, banks, or insurance companies; focus on operational risk processesFinancial firms, consulting, or investment firms; focus on risk assessment and analysis
Employer & Industry UsageUsed in banking, insurance, and financial services for managing operational risksCommon in finance and investment sectors for evaluating market and credit risks

The Risk Operation Analyst primarily handles operational risk processes within financial institutions, focusing on risk mitigation and compliance. In contrast, the Risk Analyst often concentrates on assessing market, credit, or investment risks. While both roles require similar credentials and work in related environments, their core responsibilities differ, with the Risk Operation Analyst emphasizing operational procedures and the Risk Analyst focusing on risk evaluation and strategy.

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What job categories do people searching Risk Operation Analyst jobs look for?

The top searched job categories for Risk Operation Analyst jobs are:

Risk Operation Analyst jobs near you
Infographic showing various Risk Operation Analyst job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 82% Full Time, 13% Part Time, 1% Temporary, 2% Contract, and 1% Nights. Highlights an 97% Physical, 1% Hybrid, and 2% Remote job distribution, with an average salary of $84,210 per year, or $40.5 per hour.

Risk Analyst

Jonas Software

Remote

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 15 days ago

Job description


About the Role
Constellation Payments is seeking a highly motivated and detail-oriented Risk Analyst to support merchant risk monitoring, transaction review, bank account change controls, and ongoing portfolio risk oversight. This role is responsible for identifying and mitigating emerging fraud, compliance, transaction, chargeback, ACH, NACHA, website, MCC, and merchant behavior risks across both new and existing merchants.
The ideal candidate is proactive, analytical, and thrives in a fast-paced environment where priorities, workloads, risk trends, and business needs continuously evolve. They are comfortable managing multiple investigations simultaneously, making sound risk-based decisions, and taking ownership of issues through to resolution. Success in this role requires strong attention to detail, the ability to adapt quickly to changing processes and priorities, and a willingness to take initiative beyond day-to-day responsibilities.
The Risk Analyst will work closely with Risk leadership, Underwriting, Onboarding, Merchant Support, Finance, Compliance, and external partners to ensure risk items are identified, investigated, documented, escalated, and resolved in a timely and consistent manner. This role plays a critical part in strengthening post-boarding controls, protecting the merchant portfolio, supporting regulatory compliance, and driving continuous improvement across risk operations.
This position offers an opportunity to make a meaningful impact within a growing organization, contributing to the development of risk programs, monitoring frameworks, operational controls, and strategic initiatives while supporting the evolving needs of the business.
What You'll Do
  • Monitor merchant activity for fraud, compliance, reputational, operational, ACH, chargeback, and transaction-related risks, investigating flagged activity including held transactions, large tickets, refunds, duplicate transactions, excessive authorizations/declines, suspicious processing behavior, and emerging risk trends.

  • Conduct merchant risk reviews and maintain complete case documentation, investigations, outreach, escalations, follow-ups, and resolution records within Salesforce.

  • Manage bank account change reviews, including validation, verification, approvals, system updates, quality control, and ongoing post-change monitoring for suspicious activity, refunds, returns, chargebacks, and other elevated risk indicators.

  • Support ongoing merchant monitoring programs, including website reviews, LegitScript screenings, alert investigations, negative media reviews, sanctions screening, regulatory concerns, prohibited activity reviews, and escalation of significant findings.

  • Perform enhanced due diligence and monitoring for high-risk industries, MCCs, NEC classifications, non-profits, firearms/ammunition merchants, and other restricted or sensitive business categories.

  • Monitor chargeback, ACH, and NACHA-related activity, including return rates, unauthorized and administrative returns, recurring payment activity, threshold monitoring, trend analysis, and remediation efforts with merchants, partners, and internal stakeholders.

  • Support periodic KYC/KYB refreshes, merchant portfolio reviews, and documentation validation to ensure ongoing compliance and business model alignment.

  • Maintain risk monitoring logs, investigation records, reporting dashboards, and tracking tools while preparing recurring reports on monitoring activity, escalations, investigations, high-risk merchants, and emerging portfolio trends.

  • Document investigations clearly and objectively, including findings, evidence, risk assessments, decisions, ownership, and recommended next steps, escalating critical fraud, compliance, sanctions, regulatory, or operational risks to leadership as required.

  • Support risk process improvements, reporting enhancements, underwriting initiatives, and other operational projects while performing additional duties assigned by leadership to support evolving business needs.

  • Operate effectively in a rapidly changing environment, adapting to shifting priorities, workloads, procedures, risk controls, regulatory requirements, and business initiatives.

  • Take ownership of new responsibilities, support cross-functional projects, and perform miscellaneous duties assigned by management to meet evolving organizational needs.

Basic Qualifications
  • 1-3 years of experience in risk operations, underwriting, payment operations, fraud monitoring, banking operations, compliance operations, or a similar role.

  • Working understanding of payment processing workflows, merchant accounts, transaction monitoring, chargebacks, ACH returns, refunds, and risk flags.

  • Strong attention to detail with the ability to validate documentation, identify inconsistencies, and maintain accurate case notes and trackers.

  • Ability to manage multiple open reviews, follow-ups, escalations, and time-sensitive cases at once.

  • Strong written communication skills, including the ability to communicate clearly with partners, merchants, and internal stakeholders.

  • Comfort working with CRM/case management tools, spreadsheets, and operational trackers.

  • Ability to follow documented procedures while identifying gaps, control weaknesses, or opportunities for process improvement.

  • Sound judgment, professionalism, and discretion when handling sensitive merchant, banking, fraud, and compliance information.

  • Ability to work cross-functionally with Risk, Underwriting, Onboarding, Merchant Support, Finance, Product, and partner-facing teams.

  • Working knowledge of ACH processing, NACHA Operating Rules, ACH return codes, unauthorized return thresholds, administrative returns, and ACH risk monitoring best practices.

  • Ability to review and investigate ACH-related risk indicators, including unusual return activity, account validation concerns, transaction anomalies, and merchant processing trends.

Preferred Qualifications
  • Experience in merchant acquiring, PayFac operations, fintech, payment risk, card-not-present environments, or payment gateway operations.

  • Familiarity with Payrix, Salesforce, Zift, Vantiv IQ, LegitScript, GIACT, Inscribe, or similar risk and verification tools.

  • Experience reviewing bank change documentation, voided checks, bank letters, authorized signers, ownership matches, or account verification controls.

  • Experience reviewing chargebacks, ACH returns, transaction holds, duplicate transactions, excessive refunds, or large-ticket verification workflows.

  • Knowledge of MCC risk classification, high-risk industries, NEC classifications, prohibited merchant categories, and enhanced due diligence triggers.

  • Experience preparing risk reporting, KPI summaries, audit support documentation, or operational leadership updates.

  • Comfort working in a remote-first environment with strong follow-through, documentation discipline, and queue ownership.

  • Experience working with ACH risk monitoring programs, NACHA compliance requirements, return rate management, and payment network rules.

Key Success Measures
  • Risk queues, held transactions, bank changes, alerts, and follow-ups are reviewed consistently and within expected operating cadence.

  • Cases and monitoring logs are accurate, complete, and updated with clear next steps, owner, and status.

  • High-risk, critical, or suspicious activity is escalated promptly with supporting detail.

  • Bank account changes are validated, QC'd, documented, and monitored after completion.

  • Risk reporting is delivered clearly, with trends, open items, and recommended follow-ups visible to leadership.

  • Process gaps are identified and translated into practical improvements, templates, or workflow updates.

  • ACH activity and return thresholds are monitored proactively, with risks identified, documented, and escalated before reaching compliance or network reporting concerns.

Work Location & Flexibility
Constellation Payments operates on a 100% remote-first model, enabling team members to work from home or any approved location within the hiring country.
Additional Requirements
Required ability to travel periodically for team meetings (2-3x per year), training sessions, conferences, and other business-related activities as required.
Salary & Performance Incentives
The On-Target Earnings (OTE) for this position is[$X-$Y per year], including base pay and any variable compensation. Actual offers depend on experience, skills, and location.
Employee Benefits
  • Health & Wellness: Medical, dental, vision, and life insurance.

  • Retirement Plan: 401(k) with 100% vested company match from day one.

  • Paid Time Off: 15 vacation days, 5 sick days, and 1 personal day annually.

  • Company Ownership: Participation in our Employee Share Program (Ticker: CSU.TO).

Equal Opportunity & Legal Disclosures
Constellation Payments is an Equal Opportunity Employer and does not discriminate based on race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability.
This role does not offer visa sponsorship; applicants must have pre-existing authorization to work in the United States.
Business Unit:
Constellation Payment Processing
Scheduled Weekly Hours:
40
Number of Openings Available:
1
Worker Type:
Regular
More About Jonas Software:
Jonas Software is a leading provider of enterprise management software solutions, serving a wide range of vertical markets including hospitality, healthcare, construction, education, personal care, fitness, leisure, moving and legal services, to name a few. Within these markets, Jonas is comprised of over 65 distinct brands, each a respected leader in its domain.
Jonas' vision is to be the branded global leader across these verticals and to be recognized by customers and industry stakeholders as the trusted provider of "Software for Life." We are committed to technology, product innovation, quality, and exceptional customer service.
Jonas Software supports over 60,000 customers in more than 30 countries. We employ over 6,000 skilled professionals, including industry experts and technology specialists. Across our broader network, we support a global workforce of more than 30,000 employees.
Headquartered in Canada, Jonas Software has a global footprint with offices around the world. We're a 100% owned subsidiary of Constellation Software Inc., based in Toronto, publicly listed on the TSX (CSU.TO), and a member of the S&P/TSX 60 Index.

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