July 20, 2024

Risk Analyst

Job Description:
This position accepts assignments from business leaders requesting information on a potential business decision. The Risk Analyst determines the factors involved in the business initiative and analyzes its financial impact. The ideal candidate is highly analytical, and enjoys working with concepts like cause and effect, probability, statistics, and behavior analysis. The Risk Analyst needs to clearly explain concepts to others and accurately communicates a company’s risk levels using written and verbal reports. The Risk Analyst will be expected to think logically and provide evidence and data for their projections, explaining the thought process they used to arrive at their final assessment. They are highly organized, allowing them to track multiple risks at once and to be successful, the Risk Analyst needs to be confident in their skills and display leadership in the financial team.


  • Monitor merchant activity via report analysis, transaction monitoring, and outbound calling to verify compliance
  • Hold questionable batches pending investigation
  • Communicate actions and outcomes to all stakeholders
  • Decision funds and conduct evaluations on merchant accounts that pose a risk to the organization
  • Analyze credit, financial, and underwriting documentation
  • Make decisions on required reserve amounts and releases
  • Knowledge of chargebacks
  • Make outbound verification calls
  • Educate merchants on processing guidelines and security measures.
  • Communicate with merchants regarding exception activity, action plans, and long-term risk solutions
  • Knowledge of the Card Brands’ rules/regulations
  • Reviewing portfolio for suspicious activity, investigating potential fraudulent merchant activity, mitigating potential losses, collecting funds owed to the company, etc.
  • Ability to resolve complex problems with minimal guidance
  • Ability to independently manage multiple tasks/projects and deadlines simultaneously
  • Excellent verbal and written communication skills
  • Other duties as assigned

Skills and Qualifications:

  • Strong deductive reasoning skills; can infer the complete picture using information gathered from multiple sources
  • High Level Communicator
  • Able to read and fully understand Personal and Business Credit Reports to assess a merchant’s financial condition and wherewithal to pay chargebacks or refunds as they may occur
  • General ability to assess business and personal financials to hedge against potential financial exposure
  • Proficiency with Microsoft Office applications
  • Enjoys identifying patterns or recognizing aberrations; likes to get to the bottom of the story indicated by the clues they surface
  • Takes calculated risks and learns from mistakes
  • Demonstrates accuracy with particular attention to detail in a work setting that requires effective time-management skills and strict adherence to deadlines


  • 401k with matching
  • Dental insurance
  • Employee assistance program
  • Health insurance
  • Life insurance
  • Paid time off
  • Parental leave
  • Vision insurance

$55,000 per year

Physical Setting:

  • Office


  • 8-hour shift
  • Monday – Friday

Ability to commute/relocate:

  • Calverton, NY 11933: Reliably commute or planning to relocate before starting work (Preferred)

Electronic Payments is an equal opportunity employer.
We don't discriminate based on race, color, religion, national origin, sex, age, disability, genetic information, or any other status protected by law or regulation. It's our intention that all qualified applicants are given equal opportunity and that selection decisions be based on job-related factors.

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