Risk Analyst II

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

📋 Description

• Perform thorough evaluations and analyses of merchant applications in accordance with KYC and AML regulations.

• Assess flagged transactions and alerts, providing recommendations related to payment processing standards.

• Contribute to the development of fraud detection and risk management tools and systems.

• Analyze merchant transaction histories to evaluate risk and suggest payment processing limits.

• Handle inquiries and requests from customers, partners, and internal teams.

• Collaborate with Onboarding, Customer Support, and external partners regarding payment processing issues.

• Review and authorize merchant applications while ensuring adherence to internal policies, processor guidelines, card brand regulations, and federal laws.

• Propose improvements to streamline the underwriting process and enhance the merchant experience.

⛳️ Requirements

• Minimum of a High School Diploma; a Bachelor's degree is preferred.

• 3 to 7 years of experience in the payments industry, particularly in underwriting, transaction monitoring, customer support, and/or fraud/risk management.

• Proficient in Microsoft Office Suite/Google applications, especially Excel/Sheets.

• Familiarity with merchant processing platforms and applications.

• Understanding of card brand regulations, including those from Visa and Mastercard.

• Awareness of PCI compliance requirements.

• Capability to read and interpret credit card processing statements.

• Strong analytical abilities, attention to detail, and research skills.

• Competence in researching and making decisions on complex merchant-related issues and communicating findings.

• Comfortable interacting with customers directly via email or phone to discuss merchant application specifics.

• Ability to work independently and thrive in a digitally connected workspace.

🏝️ Benefits

• Competitive base salary with potential for performance bonuses.

• Equity participation available for all full-time employees.

• Comprehensive medical insurance with up to 100% coverage for employee premiums and 75% for dependents.

• Annual employer contribution of $1,200 to HSA for eligible plans.

• Full coverage for dental, vision, life, and disability insurance.

• 12 weeks of fully paid parental leave in the U.S.

• Flexible paid time off policy.

• 10 company holidays observed in the U.S.

• Fully remote work environment.

• $200 allowance for home office setup.

• $50 monthly reimbursement for work-from-home expenses.

• $200 in quarterly Boulevard Bucks for wellness and industry networking.

• Membership to One Medical.

• Employee Assistance Program available.