Merchant Risk Analytics Specialist

upgrade; Atlanta (GA); Presencial; USD 90 000 - 130 000; Tempo integral

Resumo da oferta

Upgrade seeks a Merchant Risk Data Analyst to transform how we identify and mitigate merchant risk through data analysis and visualization. You will build predictive models, automated triggers, and actionable insights that protect our platform from fraud, compliance violations, and operational failures.

You will turn millions of transactional data points into risk decisions, collaborating with Engineering and Product to operationalize triggers and maintain Tableau dashboards for investigations.

Qualificações

• 3+ years merchant risk experience in fraud detection, compliance monitoring, underwriting, or risk operations (fintech, payments, or lending preferred)
• Strong SQL skills for querying large datasets and performing complex data analysis
• Proficiency in Tableau (or similar BI tools) for building dashboards and visualizations
• Experience with predictive modeling and statistical analysis (regression, classification, clustering)
• Excel/Google Sheets expertise for data manipulation, pivot tables, and analysis
• Deep merchant risk knowledge: fraud patterns, financial distress indicators, compliance red flags, operational issues, borrower harm signals
• Analytical mindset with strong attention to detail and ability to spot patterns in complex data
• Clear communication to translate analytical findings for non-technical audiences

Responsabilidades

• Analyze large volumes of transactional data to identify merchant risk patterns and trends
• Build predictive models to forecast merchant fraud, financial distress, compliance issues, and operational red flags
• Develop risk scoring methodologies that prioritize high-risk merchants for proactive review
• Conduct historical trend analysis to understand how merchant risk evolves over time and across verticals
• Identify leading indicators of merchant misconduct, project abandonment, chargebacks, and borrower harm
• Design automated merchant risk triggers based on transactional behavior and performance metrics
• Create early-warning systems for financial distress, fraud patterns, compliance violations, and operational deterioration
• Collaborate with Engineering and Product to operationalize triggers into monitoring workflows
• Monitor trigger performance and adjust thresholds based on investigation outcomes
• Build and maintain Tableau dashboards for merchant investigations using transactional data, WIP trends, chargeback patterns, and complaint analysis
• Create visualizations that empower the Merchant Risk team to investigate merchants quickly and effectively
• Develop performance metrics reporting for team productivity, investigation outcomes, and risk mitigation effectiveness
• Design executive-level reporting on merchant risk trends and portfolio health
• Ensure dashboards are intuitive, accurate, and actionable
• Partner with Merchant Risk Managers and analysts to understand investigation needs and data gaps
• Provide data-driven recommendations to improve risk detection and investigation efficiency
• Collaborate with Sales, Credit, Compliance, FinCrimes, and Product teams on risk strategy
• Present findings and recommendations to leadership in clear, compelling formats
• Stay current on merchant risk trends, fraud schemes, and industry best practices

Conhecimentos

SQL

Predictive modeling

Data analysis

Attention to detail

Communication

Ferramentas

Tableau

Excel

Google Sheets

Descrição da oferta de emprego

Upgrade seeks a Merchant Risk Data Analyst to transform how we identify and mitigate merchant risk through data analysis and visualization. You will build predictive models, automated triggers, and actionable insights that protect our platform from fraud, compliance violations, and operational failures.

You will turn millions of transactional data points into risk decisions, collaborating with Engineering and Product to operationalize triggers and maintain Tableau dashboards for investigations.