Sr. Merchant Risk Analyst

Suede; United States; On-site; USD 120,000 - 180,000; Full time

Benefits offered by this job

Health insurance

Dental insurance

Vision insurance

Paid time off

Company holidays

Growth opportunities

Job summary

Suede is seeking a Senior Merchant Risk Analyst to oversee risk assessment, fraud prevention, and compliance for our merchant portfolio. The role focuses on leading investigations, optimizing risk controls, and ensuring adherence to industry regulations within the payments landscape.

The ideal candidate has extensive merchant risk management experience, strong analytical skills, and a track record of collaboration with Compliance, Business Development, and Account Management teams to drive risk

Qualifications

• 5+ years in merchant risk management and payment processing.
• Strong knowledge of chargebacks, fraud detection, KYC/AML and industry regs.
• Advanced Excel skills (Pivot Tables, VLOOKUP) and SQL or data analysis tools.

Responsibilities

• Lead investigations into high-risk merchants, chargebacks, and fraud cases.
• Monitor transaction patterns to identify suspicious activities and elevate risks.
• Oversee daily risk assessments and decision-making related to merchant activities.

Skills

Merchant risk management

Fraud detection

KYC/AML compliance

Excel

SQL

Data analysis

Leadership

Communication

Tools

SQL

Job description

Suede is a payments technology and merchant services platform dedicated to helping businesses accept payments, grow revenue, and operate more efficiently. Suede combines modern payment infrastructure, point-of-sale technology, and a nationwide partner network to support tens of thousands of merchants processing billions in annual sales volume.

About the Role:

Suede is seeking a Senior Merchant Risk Analyst to play a pivotal role in risk assessment, fraud prevention, and compliance oversight. This position will focus on managing complex risk scenarios, leading investigations, and enhancing risk mitigation strategies across our merchant portfolio.

Merchant processing experience is required.

The ideal candidate is an experienced risk professional with a strong analytical mindset, excellent problem-solving skills, and a deep understanding of merchant risk management in the payments industry. You will collaborate with Compliance, Business Development, Integration, and Account Management teams to implement risk controls, optimize processes, and ensure compliance with industry regulations.

Key Responsibilities:

• Lead investigations into high-risk merchants, chargebacks, and fraud cases
• Monitor transaction patterns to identify suspicious activities and elevate risks
• Oversee daily risk assessments and decision-making related to merchant activities

Policy & Compliance

• Ensure compliance with card network rules, AML, KYC, and regulatory requirements
• Assist in the development and enhancement of risk management policies and procedures
• Work with internal stakeholders to enhance fraud prevention strategies

Data Analysis & Reporting

• Develop and automate risk reporting tools for improved monitoring and analysis
• Utilize Excel (Pivot Tables, VLOOKUP), SQL, and data visualization tools for reporting
• Present risk findings to leadership with actionable insights

Process Improvement & Leadership

• Identify and implement efficiency improvements in risk assessment workflows
• Act as a subject matter expert (SME) on risk-related topics, providing guidance to junior analysts
• Collaborate cross-functionally to align risk strategies with business goals

Qualifications & Skills

• 5+ years of experience in merchant risk management and payment processing
• Strong understanding of chargebacks, fraud detection, KYC/AML compliance, and industry regulations
• Advanced Excel skills (Pivot Tables, VLOOKUP) and experience with SQL or data analysis tools
• Strong problem-solving skills with the ability to analyze large datasets and detect trends
• Excellent written and verbal communication skills for reporting and stakeholder engagement
• Self-starter with leadership abilities, capable of working independently and mentoring junior analysts
• Experience developing and implementing risk control frameworks is a plus
• Health, dental, and vision benefits
• Paid time off and company holidays
• Opportunity for growth and expanded scope as the company scales