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Senior Payments Risk Analyst Jobs in Michigan (NOW HIRING)

K-Tek Resourcing

Payment Specialist

Jackson, MI · On-site

Greetings of the day Position 1: Sr. Payment Analyst - Check Item / Exception Processing Location ... and risk-mitigation procedures. · Excellent attention to detail, accuracy, and adherence to ...

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Senior Payments Risk Analyst information

What does a Senior Payments Risk Analyst do?

A Senior Payments Risk Analyst is responsible for identifying, assessing, and mitigating risks related to payment transactions within an organization. They analyze transaction data, monitor for fraud trends, and develop strategies to protect against financial losses and regulatory violations. In addition, they work closely with compliance, technology, and operations teams to ensure the effectiveness of risk controls and to implement best practices. Their expertise helps organizations maintain secure and efficient payment systems while minimizing exposure to fraud and other risks.

What is the difference between Senior Payments Risk Analyst vs Payments Risk Analyst?

AspectSenior Payments Risk AnalystPayments Risk Analyst
Required CredentialsBachelor's degree, certifications like CRCM or CFE often preferredBachelor's degree, relevant certifications optional
Work EnvironmentFinancial institutions, payment processing companiesPayment service providers, banks, fintech firms
Employer & Industry UsageUsed across banking, fintech, and payment companies for risk managementCommonly employed in similar sectors, often as entry to mid-level roles

The main difference between a Senior Payments Risk Analyst and a Payments Risk Analyst lies in experience level and responsibilities. Senior analysts typically handle more complex risk assessments, lead projects, and have greater decision-making authority. Both roles require similar credentials and are found in similar industries, but the senior position involves more strategic oversight and leadership.

What are the key skills and qualifications needed to thrive as a Senior Payments Risk Analyst, and why are they important?

To thrive as a Senior Payments Risk Analyst, you need expertise in risk assessment, fraud detection, data analysis, and a strong understanding of payment systems, often supported by a degree in finance, mathematics, or a related field. Familiarity with risk management software, SQL, data visualization tools, and sometimes certifications like CAMS or CFE are typically required. Exceptional analytical thinking, attention to detail, and proactive communication distinguish top performers in this role. These skills are crucial for effectively identifying and mitigating payment risks, protecting the organization from fraud, and ensuring secure transaction processes.

How does a Senior Payments Risk Analyst typically collaborate with other departments within a financial organization?

A Senior Payments Risk Analyst often works closely with teams such as fraud prevention, compliance, IT, and customer support. Collaboration involves sharing insights on emerging payment risks, developing risk mitigation strategies, and ensuring that new payment products comply with regulatory standards. Regular cross-functional meetings and data sharing are common to proactively address vulnerabilities and streamline processes. This collaborative approach helps maintain a secure payments ecosystem and supports business objectives.
What are popular job titles related to Senior Payments Risk Analyst jobs in Michigan? For Senior Payments Risk Analyst jobs in Michigan, the most frequently searched job titles are:
What job categories do people searching Senior Payments Risk Analyst jobs in Michigan look for? The top searched job categories for Senior Payments Risk Analyst jobs in Michigan are:
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Senior Payments Risk Analyst jobs near you
Payment Network Compliance Analyst (Visa/Mastercard/Discover)

Payment Network Compliance Analyst (Visa/Mastercard/Discover)

Citizens

Southfield, MI • Hybrid

$86K - $101K/yr

Other

Medical, Dental, Vision, Retirement, PTO

Re-posted 28 days ago

Job description

Description

Payment Network Compliance Analyst (Visa/Mastercard/Discover)

Merchant Compliance | Sponsorship Oversight | Acquiring

About This Role

Citizens is seeking a Payment Network Compliance Analyst to support our sponsorship oversight program within the Payments Risk organization. This role is responsible for ensuring adherence to Visa, Mastercard, and Discover network rules across merchant and third-party relationships.

This is a hands-on, execution-focused role-not a traditional vendor risk/GRC position. The work is case-driven, detail-heavy, and high-volume, requiring strong judgment, documentation accuracy, and follow-through.

What You'll Do

  • Review and manage merchant compliance cases, including network violations, inquiries, and escalations
  • Support third-party agent (TPA), including network registrations
  • Ensure compliance with  Visa, Mastercard, and Discover rules and programs
  • Maintain audit-ready documentation for all compliance activities and submissions
  • Track, prioritize, and resolve multiple active cases simultaneously
  • Partner with internal teams (Payments, Risk, Compliance) to investigate and resolve issues
  • Identify and escalate potential risks or non-compliant merchant activity
  • Support reporting and tracking using Excel and internal case management tools

What We're Looking For (Required)

  • Direct experience in at least one of the following: 
    • Payment network compliance (Visa, Mastercard, Discover)
    • Merchant acquiring or sponsor bank environment
    • Merchant registrations, or violations handling
  • Experience managing: 
    • Case-based compliance work (tracking, investigation, resolution)
    • Regulatory or network-driven processes with documentation rigor
  • Strong attention to detail and ability to produce accurate, audit-ready work
  • Proven ability to manage high-volume, process-driven workflows
  • Strong Excel skills (tracking, validation, reconciliation)
  • Ability to work cross-functionally and independently drive issues to resolution

Education:

  • Bachelor's degree or 1-3+ years' experience in payments required

Preferred Qualifications

  • Experience with: 
    • Third-party agent (TPA) registration processes
    • Merchant network compliance monitoring or acquiring operations
    • PCI DSS, ADC (Account Data Compromise)
  • Background in: 
    • Payments operations
    • Fraud / Rules in payments context (not required but helpful)
  • Experience improving or optimizing compliance workflows or tracking processes

What This Role Is NOT

  • Not a traditional TPRM / vendor risk / IT GRC role
  • Not focused on cybersecurity frameworks (NIST, ISO) as primary work
  • Not strategy-heavy-this is a hands-on operational role

Team & Leadership

  • Reports to Director - Sponsorship Oversight (Payments Risk)
  • Team operates in a high-growth, high-volume environment
  • Strong cross-functional exposure across Payments, Risk, and Compliance

Why Join Citizens

  • Recognized as a Best Place to Work (2026) and Fortune Top 100 Company
  • Part of Reimagine the Bank (RTB) - a multi-year transformation to modernize technology, simplify operations, and empower teams
  • Opportunity to build deep expertise in payments and network compliance, a highly specialized and in-demand domain

Hours & Work Schedule

  • Hours per Week: 40
  • Work Schedule: Monday - Friday
  • Hybrid, 4 days on site from a Citizens corporate office, 1 day remote
  • Work Location Options: This role can sit at ANY Citizens Hub where there is capacity, including: 
    • Locations:
      • RI - Johnston
      • CT- New Haven; Stamford
      • DE- Newark
      • FL- Tampa; Coral Gables
      • GA- Atlanta
      • IA: Coralville
      • IL-Chicago
      • MA- Boston
      • MA- Medford
      • MD-Baltimore; West Bethesda
      • NJ-Mount Laurel; Short Hills; Spring Lake Heights; Marlton
      • NY-Albany; Tarrytown; Syracuse
      • OH-Cleveland
      • PA-Philadelphia; Pittsburgh
      • TX-Irving; Houston
      • VA-Glen Allen; Falls Church; Richmond

Pay Transparency

The salary range for this position is $86,000 - $101,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the budget, work location, and relevant skills and experience.

We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens' paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits.

 #LinkedIn-Citizens1

Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.

Equal Employment Opportunity

Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague's or a dependent's reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.

Education:Why Work for UsEmployment Type: 1ST

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