Senior Merchant Risk & Underwriting Analyst

Luqra; Newport Beach (CA); On-site; USD 90,000 - 130,000; Full time

Job summary

Luqra is seeking a Senior Risk Analyst to join our Risk team and manage risk across a diverse portfolio of merchant acquiring relationships. You will focus on merchant underwriting, portfolio monitoring, fraud and chargeback risk, and payment industry compliance.

The ideal candidate has hands-on experience in merchant acquiring or payment processing and can make independent, well-informed risk decisions. Placement within the posted salary range will be based on relevant experience.

Qualifications

• 3–5+ years in merchant acquiring or payments risk.
• Strong analytical and decision-making skills.
• Experience evaluating CP and CNP merchants.
• Excellent written and verbal communication.
• Experience with underwriting, fraud, chargebacks, or portfolio monitoring.

Responsibilities

• Perform merchant re-underwriting, enhanced due diligence, and periodic risk reviews.
• Monitor merchant portfolios for emerging fraud and compliance risks.
• Analyze processing trends, chargebacks, fraud, and volume indicators.
• Investigate suspicious activity and recommend risk mitigation.
• Review higher-risk merchants and determine underwriting requirements.
• Prepare risk assessments and recommendations for management.
• Maintain knowledge of card network rules and regulatory requirements.
• Collaborate with Compliance, Legal, Sales, and Product on risk decisions.
• Support and mentor other Risk team members.

Skills

Merchant acquiring

Payments risk

Fraud risk

Risk analysis

Underwriting

Tools

TSYS CBOS

Job description

Luqra is seeking a Senior Risk Analyst to join our Risk team and manage risk across a diverse portfolio of merchant acquiring relationships. You will focus on merchant underwriting, portfolio monitoring, fraud and chargeback risk, and payment industry compliance.

The ideal candidate has hands-on experience in merchant acquiring or payment processing and can make independent, well-informed risk decisions. Placement within the posted salary range will be based on relevant experience.