Senior Payments Risk & Merchant Underwriting Analyst

Inhabit®; Plano (TX); On-site; USD 110,000 - 160,000; Full time

Benefits offered by this job

Competitive Pay

Health Insurance

Health Savings Accounts

Flexible Spending Account

Dependent Flexible Spending Account

Disability Insurance

Life Insurance

Employee Discount

Paid Holidays

Paid Vacation

Volunteer Time

Job summary

Inhabit is seeking a Senior Merchant Credit and Risk Analyst to monitor payment activity, mitigate risk, and support underwriting across the Payments Division. You will investigate alerts, review merchant activity, and document findings to inform decisioning and risk controls.

You'll partner with Product and Engineering to improve risk tooling, participate in testing of new capabilities, and mentor junior analysts while staying current on payments regulations and best practices.

Qualifications

• 5+ years of experience in payments risk, transaction monitoring, fraud operations, merchant underwriting, credit risk, or a similar risk-focused role.
• Direct merchant acquiring experience is required.
• Experience with KYB, KYC, OFAC, credit report review, and risk-based decisioning is preferred.
• Strong understanding of card brand rules, ACH/NACHA, and AML/BSA compliance practices.

Responsibilities

• Monitor merchant and transaction activity to identify suspicious, fraudulent, or high-risk behavior across payment channels.
• Investigate alerts, unusual activity, fraud indicators, and chargeback activity; document findings.
• Review escalated transactions and merchant activity; recommend action and risk mitigation.
• Partner with Product and Engineering to improve risk tooling and platform capabilities.
• Mentor junior analysts and share risk management best practices.
• Stay current on payments regulations and industry trends.

Skills

Payments risk

Fraud operations

Merchant underwriting

Excel

CRM solutions

Risk reporting

Education

Bachelor's Degree or equivalent

AML/CAMS/CFE certification a plus

Tools

CRM systems

Case management

Banking platforms

Risk monitoring tools

Reporting systems

Job description

Inhabit is seeking a Senior Merchant Credit and Risk Analyst to monitor payment activity, mitigate risk, and support underwriting across the Payments Division. You will investigate alerts, review merchant activity, and document findings to inform decisioning and risk controls.

You'll partner with Product and Engineering to improve risk tooling, participate in testing of new capabilities, and mentor junior analysts while staying current on payments regulations and best practices.