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Senior Merchant Risk Analyst Jobs (NOW HIRING)

BMG Money

Sr. Risk Analyst

Miami, FL · On-site

Job Title: Sr. Risk Analyst - Billing & Payments Department: Risk Management & Collections Location: Miami, FL (Hybrid - 4 Days On-Site) Reports To: Chief Risk Officer Type: Full-Time FLSA: Exempt ...

Travis Credit Union

Sr. Risk Analyst

Vacaville, CA · On-site

$98K - $121K/yr

Senior Risk Analyst - Grade15/Exempt/$82,680.00 - $102,128.00 annually * * Reports directly to assigned department leadership. * Self-starter and ability to work independently with periodic guidance ...

Travis Credit Union

Sr. Risk Analyst

Vacaville, CA · On-site

$98K - $121K/yr

Senior Risk Analyst - Grade15/Exempt/$82,680.00 - $102,128.00 annually * * Reports directly to assigned department leadership. * Self-starter and ability to work independently with periodic guidance ...

Fortis Payment Systems LLC

Risk Analyst

Plano, TX · On-site

Access Risk systems daily and analyze merchants who exceed established risk parameters * Review risky transactions across multiple systems and payment types * Review whether to hold funds for review ...

Citizens

First Line Risk Senior Analyst

Charlotte, NC · Hybrid

$70K - $80K/yr

Description First Line Senior Risk Analyst - CHARLOTTE, NC As the First Line Sr. Risk Analyst, you will participate, along with the first line risk teams, to define the target state for monitoring ...

Citizens

First Line Risk Senior Analyst

Charlotte, NC · Hybrid

$70K - $80K/yr

First Line Senior Risk Analyst - CHARLOTTE, NC As the First Line Sr. Risk Analyst, you will participate, along with the first line risk teams, to define the target state for monitoring and testing ...

Citizens

First Line Risk Senior Analyst

Charlotte, NC · Hybrid

$70K - $80K/yr

Description First Line Senior Risk Analyst - CHARLOTTE, NC As the First Line Sr. Risk Analyst, you will participate, along with the first line risk teams, to define the target state for monitoring ...

Citizens Bank

First Line Risk Senior Analyst

Charlotte, NC · On-site

$70K - $80K/yr

First Line Senior Risk Analyst - CHARLOTTE, NC As the First Line Sr. Risk Analyst, you will participate, along with the first line risk teams, to define the target state for monitoring and testing ...

Fortis Payment Systems LLC

Risk Analyst

Plano, TX · On-site

Access Risk systems daily and analyze merchants who exceed established risk parameters * Review risky transactions across multiple systems and payment types * Review whether to hold funds for review ...

Fortis

Risk Analyst

Plano, TX

Access Risk systems daily and analyze merchants who exceed established risk parameters * Review risky transactions across multiple systems and payment types * Review whether to hold funds for review ...

The Hartford

Senior Risk Analyst, CAT

Hartford, CT · On-site

Sr Risk Analyst - KR07DERisk Manager - KR07AE We're determined to make a difference and are proud to be an insurance company that goes well beyond coverages and policies. Working here means having ...

Cotton Holdings

Risk Analyst

Houston, TX · On-site

Risk Analyst Department: Legal/Risk Employment Type: Full Time Location: Houston, TX Reporting To ... We offer real-world experience, exposure to senior leadership, and a clear path for professional ...

Tmhcc

Senior Catastrophe Risk Analyst

Duluth, GA · Hybrid

Senior Catastrophe Risk Analyst Location: Duluth, GA (Onsite/ Hybrid Schedule) Position Type: Full-time We are looking for a Senior Catastrophe Risk Analyst who will leverage expertise of catastrophe ...

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Senior Merchant Risk Analyst information

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$53.5K

$109.8K

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How much do senior merchant risk analyst jobs pay per year?

As of Jun 28, 2026, the average yearly pay for senior merchant risk analyst in the United States is $109,846.00, according to ZipRecruiter salary data. Most workers in this role earn between $90,500.00 and $137,000.00 per year, depending on experience, location, and employer.
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Senior Merchant Risk Analyst jobs near you
Infographic showing various Senior Merchant Risk Analyst job openings in the United States as of June 2026, with employment types broken down into 3% Internship, 63% Full Time, 20% Part Time, 11% Temporary, 1% Contract, and 2% Nights. Highlights an 95% Physical, 1% Hybrid, and 4% Remote job distribution, with an average salary of $109,846 per year, or $52.8 per hour.
Sr. Risk Analyst

Sr. Risk Analyst

BMG Money

Miami, FL • On-site

Other

Posted 18 days ago

Key responsibilities

  • Authors, refines, and executes automated data extraction scripts to generate batch billing files.

  • Manages the operational lifecycle of plastic payment instruments and configures automated routing logic based on industry return codes.

  • Builds and maintains an automated daily Billing Control Report dashboard for auditing file integrity and monitoring processing success rates.

Job description

Job Title: Sr. Risk Analyst - Billing & Payments

Department: Risk Management & Collections

Location: Miami, FL (Hybrid - 4 Days On-Site)

Reports To: Chief Risk Officer

Type: Full-Time

FLSA: Exempt

Job Summary

The Sr. Risk Analyst - Billing & Payments manages and optimizes an automated AutoPay system to keep BMG’s customer base current while actively mitigating operational risk. This role applies advanced data and coding skills to maintain the billing intelligence layer, driving cross-functional automation across Technology, Operations, and Collections to pull accounts out of early-stage collections.

Duties, Responsibilities & Key Deliverables

  • Billing Driver Files: Authors, refines, and executes daily and weekly automated data extraction scripts to generate production-ready batch billing files.
  • Plastic Lifecycle & Return Code Rules: Manages the operational lifecycle of plastic payment instruments, configuring automated routing logic based on downstream industry return codes to protect processing continuity.
  • Root-Cause Population Analytics: Analyzes active payroll processing populations, integrating Census and Verification Service reports to diagnose failures (e.g., job or schedule changes).
  • Workflow & Decision Tree Logic: Designs and programs systemic decision trees to automate allotment re-onboarding and schedule adjustments in compliance with internal and 3rd-party guidelines.
  • Billing Control Reporting: Builds and maintains an automated daily Billing Control Report dashboard used by Operations to audit file integrity and monitor processing success rates.
  • Compliance Infrastructure: Hardens payment streams against operational risk by programming strict logic filters for NACHA retry rules, alternative processor routing, and active bankruptcy or hardship flags.
  • SOPs & Process Flows: Authors comprehensive Standard Operating Procedures (SOPs) mapping out technical architecture, data lineage, and error-handling steps to minimize key-person risk.

Required Skills/Abilities

  • Technical Tools: Proficiency in professional-grade database, data manipulation, and coding tools (e.g., SQL, Excel, Python).
  • Domain Expertise: Strong understanding of high-volume payment processor systems, return code structures, and automated compliance frameworks (e.g., NACHA).
  • Collaboration & Discretion: Ability to execute workflows independently across engineering teams while maintaining strict governance over sensitive billing data.

Education and Experience

  • Bachelor’s degree in a highly quantitative field (Data Science/Analytics, Math/OR/Stats, Economics) required; Advanced degree preferred.
  • Minimum of 2 years of direct experience in Risk Management (Operational Risk or Credit Risk) with focus on Billing and Payments risk management and optimization.
  • Minimum of 5 years of professional experience in the Financial Industry preferred.

Physical Requirements

  • Prolonged periods of sitting at a desk and working on a computer.
  • Must maintain consistent commuter readiness for an on-site office presence 4 days per week.


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