Lead Merchant Risk Analyst
Domain
Fintech, Consumer Lending, Merchant Risk
Seniority
Lead, Senior Individual Contributor
Required skills
SQL, Python, R, SAS, Fraud detection, Merchant risk, Payments risk, Financial services analytics, Risk models, Machine learning, KYB/KYC, Identity verification, Business verification, Sanctions screening, Firmographic data, Data visualization, Dashboarding, Risk monitoring, Decisioning, AI tools, Automation
Preferred skills
Fintech experience, Consumer lending product support, Building dashboards/automated monitoring/operational workflows, Evaluating/implementing AI-powered tools
Responsibilities
Lead analytical work across merchant risk lifecycle (onboarding, KYB/KYC, transaction monitoring, decisioning), Build and maintain queries/dashboards/alerts for fraud patterns, Investigate high-risk merchant activity (misrepresentation, suspicious transactions, inflated invoices, collusion, refund abuse, account takeover), Translate findings into recommendations, Measure impact of rule changes/experiments, Partner with Data Science/Engineering/vendors on risk signals/models/data quality, Develop scalable monitoring/decisioning/automation capabilities, Identify emerging fraud trends