Global Merchant Risk & Underwriting Analyst

Razer Inc.; Shah Alam; On-site; MYR 78,000 - 134,000; Full time

Job summary

Razer Inc. is seeking a Merchant Risk and Underwriting Specialist in Malaysia to assess merchant applications, conduct risk reviews, and mitigate potential fraud and losses within a fast-paced payments environment.

You will collaborate with sales, operations, and risk teams, monitor merchant accounts, ensure compliance with network rules, and document underwriting decisions. Shift duties are required in this role.

Qualifications

• Bachelor’s degree in Finance, Business, or Risk Management required.
• 1–3 years in merchant underwriting, risk assessment, or fraud prevention.
• Solid knowledge of KYC/KYB and AML frameworks.
• Experience with Visa, Mastercard, UnionPay and payment regulations.
• Proficiency with risk tools, payment systems, and CRM.
• Strong analytical, communication, and multitasking abilities.

Responsibilities

• Evaluate merchant applications and conduct risk assessments to determine eligibility for approval.
• Analyze transaction data, financial statements, and other info to assess risk profiles.
• Ensure compliance with payment network rules, regulations, and internal policies.
• Monitor merchant accounts and adjust limits or close accounts as needed.
• Perform ODD and periodic reviews to detect suspicious activity.
• Communicate insights with sales, operations, and risk teams.
• Maintain detailed underwriting decisions and monitoring records.
• Identify opportunities to improve underwriting policies, workflows and docs.
• Perform shift duties and other tasks as required.

Skills

Risk assessment

Fraud prevention

Analytical thinking

Communication skills

Problem solving

Education

Bachelor’s degree in Finance/Business/Risk Management

Tools

CRM systems

Risk management software

Payment processing platforms

Job description

Razer Inc. is seeking a Merchant Risk and Underwriting Specialist in Malaysia to assess merchant applications, conduct risk reviews, and mitigate potential fraud and losses within a fast-paced payments environment.

You will collaborate with sales, operations, and risk teams, monitor merchant accounts, ensure compliance with network rules, and document underwriting decisions. Shift duties are required in this role.