Risk Analyst - Financial Services

Virtuoso Recruitment Limited; Leeds; Hybrid; GBP 23,000 - 28,000; Full time

Benefits offered by this job

Company pension scheme

Birthday leave

Cycle to Work scheme

Additional employee benefits

Competitive salary

Job summary

Virtuoso Recruitment Limited is seeking a motivated Risk Analyst to join the Risk team in Leeds, West Yorkshire. Hybrid working pattern: 3 days in the office, Monday to Friday, with a salary of 23-28k depending on experience.

You will support merchant onboarding reviews, monitor transactions, assist with chargebacks and fraud indicators, and contribute to risk reporting and portfolio reviews. Training will be provided as you develop in the payments and risk field.

Qualifications

• Positive, professional, and team-focused attitude.
• Curious with problem-solving and investigative mindset.
• Strong verbal and written communication skills.
• Comfortable working with data and information analysis.
• Holds a full UK driving licence (preferred).

Responsibilities

• Support merchant onboarding reviews, including application assessments and website checks.
• Monitor daily and weekly transaction activity, identifying unusual patterns, trends, and potential risks.
• Assist in managing chargebacks, fraud alerts, and early warning indicators.
• Support investigations into suspicious or unusual merchant activity.
• Collaborate with Relationship Managers and internal stakeholders to support merchant needs and risk-related queries.
• Contribute to portfolio reviews, risk assessments, and management reporting.
• Maintain accurate records and ensure adherence to internal risk procedures.
• Actively contribute to a positive, collaborative, and high-performing team environment.
• Undertake occasional merchant visits where required.

Skills

Data analysis

Problem solving

Communication skills

Teamwork

Attention to detail

Tools

Microsoft Excel

Job description

Risk Analyst - 23-28k ( Hybrid)

Location: Leeds, West Yorkshire (LS16) Department: Risk Contract Type: Full-Time, Permanent Working Pattern: Hybrid (3 days per week in the office, Monday to Friday)

About the Role

Our Client is looking for a motivated and analytical Risk Analyst to join their growing Risk Team.

This is an excellent opportunity for an individual who is curious, proactive, and keen to develop a career within the payments and risk industry. While previous experience in risk management is advantageous, we are primarily looking for someone with the right attitude, strong communication skills, and a genuine willingness to learn.

As a Risk Analyst, you will play a key role in supporting the management of our merchant portfolio, helping to identify, assess, and mitigate risk while ensuring compliance with industry standards and regulatory requirements. You will work closely with experienced colleagues who will provide training, guidance, and ongoing support as you develop your expertise.

Key Responsibilities

• Support merchant onboarding reviews, including application assessments and website checks.
• Monitor daily and weekly transaction activity, identifying unusual patterns, trends, and potential risks.
• Assist in managing chargebacks, fraud alerts, and early warning indicators.
• Support investigations into suspicious or unusual merchant activity.
• Collaborate with Relationship Managers and internal stakeholders to support merchant needs and risk-related queries.
• Contribute to portfolio reviews, risk assessments, and management reporting.
• Maintain accurate records and ensure adherence to internal risk procedures.
• Actively contribute to a positive, collaborative, and high-performing team environment.
• Undertake occasional merchant visits where required.

About You

We are looking for someone who:

• Has a positive, professional, and team-focused attitude.
• Is naturally curious and enjoys problem-solving and investigation.
• Possesses strong verbal and written communication skills.
• Is comfortable working with data and information analysis.
• Demonstrates initiative and can identify potential issues before they escal ed.
• Takes ownership of their work and consistently delivers to a high standard.
• Has high levels of integrity, reliability, and attention to detail.
• Holds a full UK driving licence and has access to their own transport (preferred).

Desirable Experience

The following experience would be beneficial but is not essential:

• Exposure to payments, financial services, risk, compliance, or fraud prevention.
• Experience using Microsoft Excel or working with data-driven processes.
• A customer service, account management, or relationship-focused background.
• Knowledge of card payments, chargebacks, acquiring, or e-commerce environments.

What We Offer

• Comprehensive training and ongoing professional development.
• Support and mentoring from experienced risk professionals.
• Clear career progression opportunities within a growing business.
• Exposure to a dynamic and fast-paced payments industry.
• A supportive and collaborative working culture.
• Company pension scheme.
• Birthday leave.
• Cycle to Work scheme.
• Additional employee benefits.
• Competitive salary, dependent on experience.