Senior Risk Analyst

Luqra; Newport Beach (CA); Vor Ort; USD 90.000 - 130.000; Vollzeit

Zusammenfassung

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.

Qualifikationen

• 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.

Aufgaben

• 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.

Kenntnisse

Merchant acquiring

Payments risk

Fraud risk

Risk analysis

Underwriting

Tools

TSYS CBOS

Jobbeschreibung

We are looking for a Senior Risk Analyst to join our Risk team and help manage risk across a diverse portfolio of merchant acquiring relationships.

This role focuses on merchant underwriting, portfolio monitoring, fraud and chargeback risk, high-risk merchant reviews, and payment industry compliance. The ideal candidate has hands-on experience in merchant acquiring or payment processing and is comfortable making independent, well-informed risk decisions.

You will work closely with Risk, Sales, Relationship Management, Compliance, Legal, Fraud Operations, and other teams to balance effective risk management with business growth. Placement within the posted salary range will be based on relevant experience, qualifications, and skills.

Responsibilities:

• Perform merchant re-underwriting, enhanced due diligence, and periodic risk reviews.
• Evaluate merchant business models, ownership, financials, processing activity, fulfillment practices, and operational controls.
• Monitor merchant portfolios for emerging fraud, financial, operational, and compliance risks.
• Analyze processing trends, chargebacks, fraud, refunds, volumes, ticket sizes, and other risk indicators.
• Investigate suspicious activity and recommend appropriate risk mitigation, including enhanced monitoring, reserves, restrictions, or account termination.
• Review higher-risk merchants and industries and determine appropriate underwriting requirements.
• Prepare clear risk assessments and recommendations for management.
• Maintain working knowledge of Visa, Mastercard, American Express, and Discover rules and requirements.
• Partner with Compliance and Legal on KYC/KYB, AML, OFAC, and other applicable requirements.
• Collaborate with Sales, Relationship Management, Fraud, Operations, and Product teams on merchant risk decisions.
• Help improve risk policies, procedures, controls, and monitoring processes.
• Support and mentor other members of the Risk team.

Qualifications:

Required

• 3–5+ years of experience in merchant acquiring, payment processing, merchant underwriting, payments risk, fraud risk, or a related field.
• Strong understanding of merchant acquiring and payment processing.
• Experience evaluating both Card Present (CP) and Card Not Present (CNP) merchants.
• Experience with merchant underwriting, risk reviews, fraud, chargebacks, or portfolio monitoring.
• Strong analytical, investigative, and decision-making skills.
• Excellent written and verbal communication skills.

Preferred

• Experience with higher-risk merchants or industries.
• Working knowledge of Visa, Mastercard, American Express, and Discover requirements.
• Experience with merchant risk, fraud, or chargeback platforms.
• Data analytics experience.
• Financial statement analysis experience.
• KYC/OFAC screening or PCI DSS experience.
• Working knowledge of TSYS systems (CBOS).
• Relevant certifications such as CAMS, CFE, AAP, CPP, or PCIP.

We are looking for someone who can take ownership of merchant risk decisions, work independently, and bring practical payments-risk experience to a collaborative team.