Senior Risk Analyst

CSG Systems; United States; Remote; USD 62,000 - 99,000; Full time

Benefits offered by this job

Work from Home

Employee Belonging Groups

Dental insurance

Medical insurance

Vision insurance

Paid vacation

Volunteer time off

Job summary

CSG Systems is seeking a Senior Risk Analyst - Risk Investigations to oversee collections activity and funding return processes within our Forte payments ecosystem. You will serve as a subject matter expert on post-originations risk events, leading efforts to recover funds, resolve balances, and investigate anomalous transaction patterns triggering collections or returns.

The role requires 3+ years in payments risk, solid knowledge of ACH, chargebacks, and dispute resolution, plus experience in

Qualifications

• 3+ years of experience in payments risk, collections, chargeback management, or financial investigations.
• Knowledge of ACH return codes, chargebacks, and dispute resolution processes.
• Experience with merchant acquiring, payments or fintech risk operations.

Responsibilities

• Oversee end-to-end collections lifecycle for merchant accounts with outstanding balances.
• Review aging reports, prioritize queues based on risk and recovery probability.
• Coordinate repayment plans or escalation to legal or third-party recovery.
• Investigate returns arising from ACH rejects, closed accounts, or disputes.
• Coordinate with Payments Operations and Accounting for timely processing and reconciliation.
• Identify risk patterns and recommend improvements.
• Investigate accounts flagged for elevated risk and determine remediation actions.
• Escalate complex cases and coordinate with senior management.

Skills

Payments risk

Collections

Chargebacks

Financial investigations

ACH returns

Dispute resolution

Fraud detection

Communication

Risk analysis

English proficiency

Education

Bachelor’s degree

Tools

Case management systems

Excel

BI platforms

Payment processing platforms

Job description

About the Role

Hi, I'm Cassie Alexander, your Recruiter and guide to joining CSG! We are excited to learn more about you and your unique background. We are seeking a Senior Risk Analyst - Risk Investigations, who will be responsible for overseeing collections activity and funding return processes within the Forte payments ecosystem. This role serves as a subject matter expert in post-origination risk events, leading efforts to recover funds, resolve outstanding balances, and investigate anomalous transaction patterns that trigger collections or return activity.

Responsibilities

Collections Oversight

• Manage and monitor the end-to-end collections lifecycle for merchant accounts with outstanding balances. Review aging reports and prioritize collection queues based on risk exposure, account status, and recovery probability.
• Initiate and track outreach to merchants, coordinating repayment plans or escalating unresolved accounts to legal or third-party recovery as appropriate. Maintain accurate records of collections activity, correspondence, and outcomes in case management systems.
• Identify systemic patterns contributing to collections volume and recommend process or policy improvements.

Funding Returns Management

• Oversee the review and processing of funding returns resulting from ACH rejects, closed accounts, disputed transactions, or compliance holds.
• Investigate the root cause of return activity to determine whether remediation, risk action, or further investigation is warranted. Coordinate with the Payments Operations and Accounting team to ensure accurate and timely return processing and reconciliation.
• Monitor return rate thresholds and flag accounts approaching network or internal limits for proactive intervention.

Risk Investigation & Analysis

• Conduct thorough investigations into accounts flagged for elevated collections or return risk, including review of transaction history, financial data, and publicly available information.
• Identify indicators of fraudulent activity, including card testing, unauthorized ACH transactions, and account manipulation, and initiate appropriate risk actions.
• Support individual account and portfolio-level evaluations to assess financial health, compliance standing, and continued acceptability within the firm's risk appetite.
• Participate in the underwriting review of merchants whose collections or return history warrants re-evaluation of processing limits or account status.

Escalations & Exceptions

• Serve as an escalation point for Analyst-level staff on complex or high-exposure collections and return cases. Approve, document, and execute escalations, exceptions, and restricted tasks within assigned authority limits.
• Partner with senior management to resolve high-risk or high-value cases requiring cross-functional coordination.

Trend Identification & Reporting

• Analyze collections and funding return data to surface emerging trends, anomalies, and risk concentrations within the portfolio.
• Prepare regular reporting for management on collections performance, return activity, recovery rates, and open exposure. Contribute findings to firmwide risk reporting and support special projects as assigned.

Qualifications

• Bachelor’s degree or equivalent experience
• 3+ years of experience in payments risk, collections, chargeback management, or financial investigations.
• Strong working knowledge of ACH return codes, chargeback lifecycle, and dispute resolution processes.
• Experience with merchant acquiring, payment processing, or fintech risk operations.
• Demonstrated ability to analyze financial data and draw sound, defensible risk conclusions.
• Excellent written and verbal communication skills; comfortable engaging merchants and senior stakeholders alike.
• High attention to detail with the ability to manage multiple open cases simultaneously under competing deadlines.
• Proficiency with case management systems, data tools (Excel, BI platforms), and payment processing platforms.
• Familiarity with Visa and Mastercard operating regulations related to disputes, returns, and fraud controls.
• Experience with real-time transaction monitoring tools.
• Knowledge of NACHA Operating Rules and Regulation E as they apply to ACH returns and unauthorized transactions.
• Experience supporting or conducting collections in a regulated payments environment.
• Ability to read, write, speak and understand the English language in a business environment.

Benefits

• Work from Home
• Employee Belonging Groups
• Healthcare: Dental, Medical, and Vision
• Paid Vacation, Volunteer, and Holiday Time Off
• And so much more!

Location(s): United States Remote

Position Pay Range: $61,789.82-$98,861.64. This role is eligible for a bonus opportunity.

Our Guiding Principles: Impact: Always help and empower others, whether they’re colleagues or customers. When our employees set their minds to something, great things happen. Integrity: Do what’s right for our customers and our people while being authentic. We treat everyone with trust and respect—that’s just who we are. Inspiration: Be bold in the way you think and passionate about the work you do. Test out innovative ideas without the fear of failure.

CSG is an affirming action, equal opportunity / veteran / disabled / female / minority / sexual orientation / gender identity Employer. CSG does not discriminate on the basis of age 40 and over, color, disability, gender identity, genetic information, military or veteran status, national origin, race, religion, sex, sexual orientation or any other applicable status protected by state or local law, are not taken into account in any employment decision. CSG will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. CSG provides accommodations for persons with disabilities in employment, including during the hiring process and any interview and/or testing processes.