Risk Analyst

Quantum Electronic Payments LLC; Anaheim (CA); On-site; USD 50,000 - 60,000; Full time

Benefits offered by this job

Profit sharing

Medical insurance

Dental insurance

Retirement plan

401k employer match

Job summary

Quantum ePay® is seeking a dependable Risk Analyst I to monitor merchant activity, identify potential fraud or financial exposure, and protect partners from risk. You will review transactions, investigate unusual activity, and apply company guidelines to underwriting decisions.

The role is onsite at our Anaheim Hills location, requiring strong analytical ability, attention to detail, and clear communication with merchants and internal teams.

Qualifications

• 2+ years of experience in banking, financial services, merchant services, risk, underwriting, or related environment.
• Analytical and problem-solving skills with the ability to review information and identify risk.
• Excellent attention to detail and ability to make thoughtful decisions.
• Strong written and verbal communication skills; experience with MS Office.

Responsibilities

• Review merchant applications to evaluate credit, financial, operational, and compliance risk.
• Interpret credit reports, bank statements, financial statements, tax returns, and processing statements.
• Verify information on merchant applications for accuracy and completeness.
• Approve, pend, decline, or elevate applications based on policies.
• Maintain underwriting notes and document reasoning behind decisions.

Skills

Analytical thinking

Attention to detail

Written and verbal communication

MS Excel

MS Outlook

Risk assessment

Problem solving

Tools

TSYS

Job description

Unlock your potential with Quantum ePay®. We're a growing fintech company focused on delivering innovative payment processing solutions and merchant technology that helps businesses lower costs, earn more, and operate with confidence.

We are looking for a dependable and analytical Risk Analyst I to monitor merchant activity, identify potential fraud or financial exposure, and help protect the company and our merchant partners from unnecessary risk. This role will review transactions, investigate unusual account activity, evaluate risk factors, and determine appropriate action within established guidelines.

The ideal candidate is analytical, detail-oriented, customer-focused, and comfortable using sound judgment to identify and resolve potential risk.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Review merchant applications to evaluate credit, financial, operational, and compliance risk
• Interpret consumer and business credit reports, corporate registrations, bank statements, financial statements, tax returns, processing statements, and other supporting documents
• Verify the accuracy and completeness of information provided on merchant applications
• Complete business verification and additional research using internal tools and third-party resources
• Approve, pend, decline, or elevate applications based on company policies
• Assign appropriate merchant risk ratings and document the reasoning behind underwriting decisions
• Clearly communicate pending requirements and follow up on outstanding information
• Respond to questions from agents, sales representatives, merchants, and internal departments
• Identify inconsistencies, potential fraud indicators, and emerging risk trends
• Navigate multiple systems to review, update, and track application statuses
• Maintain complete and accurate underwriting notes and documentation
• Perform additional duties as assigned

QUALIFICATIONS:

• 2+ years of experience in banking, financial services, merchant services, risk, fraud, underwriting, customer service, or a related environment preferred
• Strong analytical and problem-solving skills with the ability to review information, identify inconsistencies, and recognize potential risk
• Excellent attention to detail and ability to make thoughtful decisions based on available information
• Strong research and investigative skills with a willingness to dig deeper when something doesn't look right
• Customer-service minded with strong written and verbal communication skills
• Ability to handle sensitive or escalated situations professionally
• Comfortable managing multiple priorities in a fast-paced environment
• Proficiency with Microsoft Office, including Excel and Outlook
• Experience with payment processing or TSYS is a plus

LOCATION:

This role requires the employee to work fully onsite at our Anaheim Hills location.

SALARY:

This role includes biannual profit-sharing bonuses as part of a total compensation package, in addition to a full range of medical, dental, retirement planning, and/or other benefits.

• Base salary range: $50,000 - $60,000
• Salary including quarterly profit-sharing bonus and comprehensive benefits program range (annualized): $67,725 - $79,725

WHY WORK HERE?

• Awarded Top Workplace of Orange County by the OC Register
• Flex PTO!
• New state of the art, open-concept facility with stand-up desks, balance boards, stationary bikes and more!
• Work hard, play hard culture!
• Monthly Beer Socials and BBQs!
• Proven "promote from within" mentality!
• Benefit offerings:
• Medical, dental, vision, acupuncture and chiropractic
• 401k Safe Harbor; 100% employer match processed semi-monthly, up to 4%
• Profit Sharing; paid on a biannual basis