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Transaction Risk Analyst Jobs (NOW HIRING)

PayCargo, LLC

Risk Analyst

Coral Gables, FL

The Risk Analyst will play a crucial role in developing and implementing risk management strategies ... Manage transaction declines through Kount & Bluesnap (daily). * Conduct fraud assessments via ...

Travis Credit Union

Sr. Risk Analyst

Vacaville, CA · On-site

$98.24K - $121.35K/yr

This role involves data analysis, monitoring transactions, assessing potential risks, tuning fraud mitigation tools balanced to risk tolerance and member experience, completing root cause analysis of ...

Travis Credit Union

Sr. Risk Analyst

Vacaville, CA · Hybrid

$98.24K - $121.35K/yr

This role involves data analysis, monitoring transactions, assessing potential risks, tuning fraud mitigation tools balanced to risk tolerance and member experience, completing root cause analysis of ...

Travis Credit Union

Sr. Risk Analyst

Vacaville, CA · On-site

$98.24K - $121.35K/yr

This role involves data analysis, monitoring transactions, assessing potential risks, tuning fraud mitigation tools balanced to risk tolerance and member experience, completing root cause analysis of ...

Monitise

OR · On-site

Deep knowledge of financial fraud schemes, transaction lifecycles, and identity theft * Ability to conduct transactional analysis and manipulate data * Strong Fraud and KYC knowledge (CDD, CIP)

Pacer Group

Risk Analyst I

Atlanta, GA · On-site

$31/hr

Analyze customer information, financial patterns, and transaction data to identify fraud and risk patterns and trends * Analyze financial data to detect irregularities in areas such as billing trends ...

Maverick Payments

Risk Analyst II

Calabasas, CA · On-site +1

$30 - $34/hr

Conducting daily, weekly, monthly reviews of transaction activity and analyzing increased credit risk, transactional variations, dispute activity, and fraud patterns. * Proactively monitoring all ...

Tradeify Holdings Corp

Brokerage Risk Analyst

$85K - $90K/yr

Role Overview We are hiring a Brokerage Risk Analyst to support the day-to-day risk oversight of ... Monitor failed transactions, funding anomalies, withdrawals, and account activity irregularities

Worldpay

Risk Analyst Senior

Cincinnati, OH · On-site

$91.90K - $138.70K/yr

As a Risk Analyst Senior, you will play a critical role in the management and optimization of ... Own and support transaction monitoring systems, including rules management, case management and ...

Brown Brothers Harriman & Co.

Sr. Risk Analyst

New York, NY · On-site

$120K - $150K/yr

... on risk and be responsible for identifying, analyzing, monitoring and mitigating risks associated ... credit transactions. This role requires a strong understanding of fixed income, interest rate ...

Seattle Bank

Fintech Risk Analyst

Seattle, WA · On-site

$70K - $90K/yr

... banking transactions into their customer online experience. Seattle Bank is a wholly owned ... Position Summary Seattle Bank's Fintech Risk Analyst plays a crucial role in identifying, assessing ...

EarnIn

Staff Risk Analyst

$170K - $210K/yr

Own the full fraud policy lifecycle - spanning identity verification, account opening, deposits, card transactions, and key monetary actions - from signal analysis and risk design through rule ...

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Transaction Risk Analyst information

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$39K

$85.8K

$155K

How much do transaction risk analyst jobs pay per year?

As of May 31, 2026, the average yearly pay for transaction risk analyst in the United States is $85,839.00, according to ZipRecruiter salary data. Most workers in this role earn between $65,500.00 and $104,500.00 per year, depending on experience, location, and employer.

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

To thrive as a Transaction Risk Analyst, you need strong analytical skills, attention to detail, and a background in finance, business, or a related field. Familiarity with fraud detection tools, data analysis software like Excel or SQL, and risk management systems is typically required. Excellent problem-solving abilities, critical thinking, and effective communication help you excel in identifying and mitigating suspicious activities. These skills are essential to protect organizations from financial losses and maintain the integrity of transaction processes.

What are some common challenges Transaction Risk Analysts face when investigating suspicious transactions, and how do they overcome them?

Transaction Risk Analysts often encounter challenges such as high volumes of alerts, complex fraudulent schemes, and limited information when investigating suspicious transactions. To overcome these, they rely on analytical tools, collaborate closely with compliance and fraud prevention teams, and stay updated on emerging fraud patterns. Strong attention to detail, effective communication, and continuous learning are crucial for efficiently identifying risks while minimizing false positives.

What are Transaction Risk Analysts?

Transaction Risk Analysts are professionals responsible for identifying, assessing, and mitigating risks associated with financial transactions. They monitor transactions for suspicious or fraudulent activity, analyze patterns, and use various tools to detect anomalies that may indicate risk. These analysts work closely with compliance and fraud prevention teams to ensure that a company’s financial operations remain secure. Their work helps organizations prevent losses due to fraud, money laundering, or other financial crimes.

What does a transaction analyst do?

A transaction risk analyst reviews financial transactions to identify and prevent fraud, money laundering, and other financial crimes. They analyze transaction data using specialized software, assess risk levels, and ensure compliance with regulations to protect the organization. Strong analytical skills and attention to detail are essential in this role.
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What job categories do people searching Transaction Risk Analyst jobs look for? The top searched job categories for Transaction Risk Analyst jobs are:
Transaction Risk Analyst jobs near you
Risk Analyst Lead

Risk Analyst Lead

Commercial Bank of California

Los Angeles, CA • On-site

$70K - $80K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 16 days ago

Job description

Risk Analyst Lead

Location: Los Angeles, CA
Job Type: Full-Time | Exempt | Eligible Remote
Salary Range: $70,000 – $80,000 per year

About Commercial Bank of California

Commercial Bank of California (CBC) is the largest Latino-owned bank in California and a certified Minority Depository Institution (MDI). Headquartered in Irvine and founded in 2003, CBC is one of the largest privately held banks in the state, with over $3.5 billion in assets as of December 2025.

We are a purpose-driven financial institution committed to building long-term relationships and delivering innovative, personalized banking solutions. Our leadership reflects the diverse communities we serve, and our mission is rooted in empowering entrepreneurs, business owners, and community leaders to thrive.

As a certified MDI, CBC is proud to play a vital role in advancing financial inclusion and economic opportunity. We believe in a higher vision for banking—one that prioritizes trust, collaboration, and community impact. Join us and be part of a team that’s redefining what it means to be a community-focused, relationship-driven bank that puts people over profits.

Job Summary

We are seeking a detail-oriented and driven Payments Risk Analyst Lead to join our team and play a key role in protecting and strengthening our ACH and BankCard programs. In this position, you will lead first-line risk monitoring and analysis across Third-Party Payment Processors (TPPPs) and merchant accounts, helping to identify potential fraud, reduce exposure, and support sound risk decisions. This is a great opportunity for a strategic thinker who enjoys solving complex problems, working cross-functionally, and making a meaningful impact in a fast-paced payments environment. The ideal candidate brings strong analytical skills, sound judgment, and a proactive approach to staying ahead of industry rules, trends, and regulatory changes.

Essential Duties and Responsibilities

Lead Merchant and TPPP Risk Reviews

  • Lead reviews of high-risk merchant accounts and prepare clear, well-supported recommendations for Underwriting/Risk.
  • Conduct TPPP due diligence reviews, develop exposure worksheets, and present findings to support informed risk decisions.
  • Analyze transaction activity and supporting documentation—including invoices, receipts, proof of authorization, and client agreements—in the context of each merchant’s business model and processing history.
  • Engage directly with merchants through interviews and outreach to assess unusual activity, clarify concerns, and identify potential fraud risks.


Drive Monitoring, Exceptions, and Investigations

  • Monitor daily, monthly, and quarterly portfolio exception reports to identify emerging risks, reduce exposure, and escalate suspicious activity when needed.
  • Review merchant processing activity for parameter violations, exceptions, and unusual behavior, and initiate risk reviews in response.
  • Investigate questionable transactions by analyzing activity patterns, chargebacks, returns, exceptions, and changes in deposit behavior.
  • Gather transaction data and supporting documentation to validate activity, resolve concerns, and strengthen risk assessments.

Strengthen Risk Policies, Controls, and Continuous Improvement

  • Help shape and implement scalable risk policies, procedures, and guidelines that support ACH and BankCard program growth.
  • Partner with Underwriting/Risk and the Director of Payments Solutions to enhance processes, strengthen controls, and support policy updates.
  • Track risk levels through ongoing reviews of processing parameters, chargebacks, abnormal trends, and other key risk indicators.
  • Respond to internal and external inquiries related to risk concerns and transaction trends with professionalism, clarity, and sound judgment.

Collaborate Across Key Partners

  • Underwriting/Risk to support high-risk account recommendations, approvals, and ongoing risk evaluation.
  • Payments Operations to coordinate remediation efforts, operational follow-through, and documentation.
  • BSA/AML/Compliance, as needed, to escalate and address suspicious activity indicators.
  • TPPPs and merchants to request information, review documentation, and address risk-related matters.

Minimum Qualifications

Required: Bachelor’s degree in business administration/ finance, Accounting or related field and 5+ years related experience.

Education/Training/Experience

  • Required: Minimum of 5 years’ experience in Payments Solutions (ACH and/or BankCard).
  • Preferred: Bachelor’s degree in Business Administration, Finance, or a closely related field.
  • Plus: 3 years of banking experience and/or BSA experience.


Knowledge, Skills & Abilities

  • Knowledge of banking laws, bank policies/procedures, and regulations applicable to payments.
  • Payments experience (ACH or BankCard) strongly preferred; understanding of merchant business models and processing risk signals.
  • Strong investigative, analytical, and problem-solving skills; excellent attention to detail.
  • Ability to multitask, prioritize, and manage projects to completion within deadlines.
  • Proficiency in Microsoft Office (Excel, Word, PowerPoint, Outlook).
  • Excellent communication skills (written and verbal) with the ability to communicate risk concerns to varied audiences.
  • Ability to utilize AI solutions such as CoPilot appropriately and effectively.
  • Research and analysis techniques to resolve issues
  • Ability to work effectively in a team or independently


Licenses/Certificates

  • AAP (Accredited ACH Professional) or similar certification preferred but not required.

Benefits & Perks

  • Competitive employer contribution to medical, dental and vision coverage
  • 401k plan with employer match
  • Flexible Spending Accounts (FSA) and Dependent Care Accounts
  • Employee Assistance Program (EAP)
  • Employer provided Calm subscription
  • Employer provided mental health benefits through Teladoc
  • Life, AD&D and disability insurance
  • Minimum 15 Days of Vacation, 11 Paid Federal Holidays, Paid Time off to Volunteer
  • Online discount program
  • Tuition Reimbursement Program

Join Our Team!

  • Submit your resume to Apply to Your Position Here

Equal Employment Opportunity & Accommodations

Commercial Bank of California is proud to be an Equal Employment Opportunity employer. We are committed to creating an inclusive environment for all employees and applicants. All qualified individuals will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity or expression, national origin, disability, protected veteran status, or any other legally protected characteristic.

We evaluate applicants fairly and equitably, including those with criminal histories, in accordance with applicable federal, state, and local laws.

Commercial Bank of California is also committed to providing reasonable accommodations to individuals with disabilities. If you require a reasonable accommodation during the application or interview process, please contact us at hrrecruiting@cbcal.com with the nature of your request and your contact information.

Recruitment Policy

Commercial Bank of California does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to CBC, either directly or indirectly, will be considered the property of Commercial Bank of California.

We will not pay a fee for any placement resulting from the receipt of an unsolicited resume. To submit candidates for consideration, recruiting agencies must have a valid, written, and fully executed agreement with Commercial Bank of California. Without such an agreement in place, no agency submissions will be accepted or compensated.

Applicants must be legally authorized to work in the United States at the time of hire. This position is not eligible for employment sponsorship.