Lead Merchant Risk Analyst

This is a fully remote position, open to applicants in United States.

📋 Description

• Oversee analytical initiatives throughout the merchant risk lifecycle, which includes onboarding, KYB/KYC, transaction monitoring, and merchant decision-making.

• Develop and sustain queries, dashboards, alerts, and reports that highlight fraud patterns, emerging risks, and control deficiencies.

• Examine high-risk merchant activities, such as business misrepresentation, suspicious transactions, inflated invoices, collusion, refund abuse, and account takeovers.

• Convert findings into straightforward recommendations that enhance risk controls, improve merchant experiences, and drive business outcomes.

• Assess the effects of rule modifications, segmentation strategies, and risk experiments on fraud losses, approval rates, false positives, and overall customer experience.

• Collaborate with Data Science, Data Engineering, and external vendors to scrutinize risk signals, models, data quality, and monitoring frameworks.

• Aid in the creation of scalable monitoring, decision-making, and automation solutions, including AI-enabled workflows when suitable.

• Assist in identifying emerging trends in merchant fraud and opportunities to bolster Wisetack's risk strategy.

⛳️ Requirements

• A bachelor's degree in a quantitative field (math, economics, statistics, data science, finance, engineering) or equivalent practical experience.

• Over 5 years of experience in fraud, merchant risk, payments risk, or financial services analytics.

• Proficient in SQL with experience in using Python, R, SAS, or similar tools to analyze complex datasets and derive actionable insights.

• Background in working with risk models, machine learning outputs, or rules-based strategies for detecting fraud and emerging risk patterns.

• Knowledge of merchant onboarding, KYB/KYC, identity verification, business verification, sanctions screening, firmographic data, or fraud vendor integrations.

• Experience in collaborating with Data Science and Data Engineering teams to build scalable risk monitoring and decision-making capabilities.

• Strong communication skills, ownership, and judgment, with an ability to balance fraud prevention, merchant experience, consumer protection, compliance, and growth.

• Familiarity with AI tools, automation, or workflow optimization to enhance analytical or operational efficiency is a plus.

🏝️ Benefits

• Equity

• Benefits