Payments Risk Analyst

Certegy Payment Solutions; Roanoke (TX); On-site; USD 70,000 - 100,000; Full time

Job summary

Certegy Payment Solutions is seeking a Payments Risk Analyst to monitor fraud and risk across multiple clients within a high-volume real-time payments environment. The role requires collaboration with finance, data science, and product teams, and the ability to clearly communicate risk insights to both technical and non-technical stakeholders.

Onsite roles are available in Westlake, TX or Clearwater, FL, with a focus on maintaining dashboards and reporting to executives.

Qualifications

• Bachelor's degree in a quantitative field.
• 2–3+ years in payments risk or fraud analytics.
• Experience with fraud detection and risk optimization.
• Strong written and verbal communication to stakeholders.
• Payments industry experience in ACH, RTP/FedNow, BNPL, checks, or alternative methods preferred.

Responsibilities

• Analyze transactional data for fraud, returns, and loss trends.
• Forecast client risk performance and adjust controls based on trends.
• Collaborate with data science to translate findings into model enhancements.
• Design and maintain risk controls balancing loss and acceptance.
• Support incident response for significant fraud events and coordinate with teams.
• Evaluate strategy performance by tracking key risk metrics.
• Document risk strategies and audit-ready outputs.
• Partner with clients to review trends and best practices.
• Develop executive dashboards to communicate performance and risk.

Skills

Analytical skills

Excel

Data visualization

Statistical analysis

Communication

Independent work

Payments experience

Education

Bachelor's degree in quantitative field

Tools

Oracle Analytics Cloud

Power BI

Tableau

Job description

At Certegy, we enable secure, efficient payment acceptance by combining traditional and real-time risk controls across check, ACH, and emerging payment rails. Our clients range in size from locally owned small businesses to the largest retailers in America, many of which have relied on us for over fifty years to provide check verification and warranty services.

We are seeking a Payments Risk Analyst to help maintain our expertise in the industry. This role will be responsible for the fraud and risk monitoring of multiple clients, balancing loss mitigation strategies while meeting customer SLAs in a high-volume real-time payments environment. This role requires close collaboration with finance, data science, and product teams, along with the ability to clearly communicate risk insights and performance metrics to both technical and non-technical stakeholders.

Key Responsibilities

• Analyze transactional data for fraud, returns, and loss trends using exploratory data analysis techniques to identify emerging risks and systemic vulnerabilities.
• Forecast client risk performance and proactively recommend control adjustments based on transactional trends.
• Collaborate with data science teams to translate data, trends, and other investigative findings, into model enhancements for real-time decisioning strategies.
• Design, implement, and maintain risk controls to balance loss reduction with transactional acceptance rates and customer experience.
• Support incident response and escalation for significant fraud events by performing root cause analysis and coordinating with internal teams to mitigate impact.
• Evaluate strategy performance by tracking key metrics such as fraud loss rates, acceptance rates, and client-specific risk thresholds.
• Document risk strategies, findings, and outcomes to support operational consistency, audit readiness, and continuous improvement.
• Partner directly with clients to review fraud trends, explain risk tradeoffs, and recommend best practices tailored to their business models.
• Develop and maintain executive-level dashboards to communicate performance, trends, and risk exposure to internal leadership and external partners.

Skills & Qualifications

• Strong analytical and problem-solving skills with the ability to identify patterns in large-scale transactional data.
• Advanced proficiency in Microsoft Excel and working knowledge of data visualization tools (Oracle Analytics Cloud, Power BI, Tableau, or similar).
• Experience applying statistical analysis techniques to fraud detection, loss analysis, and risk optimization.
• Excellent written and verbal communication skills, with demonstrated ability to present complex risk concepts to clients, senior leadership, and cross‑functional partners.
• Ability to work independently while managing multiple client risk portfolios in a fast‑paced, real‑time environment.
• Payments industry experience in ACH, real‑time payments (RTP/FedNow), BNPL, checks, or alternative payment methods strongly preferred.
• Bachelor’s degree in Mathematics, Statistics, Finance, Economics, or a related quantitative field.
• 2–3+ years of experience in payments risk, fraud analytics, or financial analysis.

Work Environment

Onsite – Westlake, Texas or Clearwater, Florida

U.S. work authorization required (no visa sponsorship available)