[Remote] Merchant Specialty Risk Analyst

Note: The job is a remote job and is open to candidates in USA. Merrick Bank is an FDIC®-insured financial institution headquartered in South Jordan, Utah, specializing in credit cards and merchant services. The Merchant Specialty Risk Analyst will oversee the Specialty Risk and Service Provider Sponsorship Program, focusing on monitoring merchant portfolios for fraud and operational risks while developing risk mitigation strategies.ResponsibilitiesResponsible for daily, weekly, monthly and quarterly monitoring activities supporting Service Provider Sponsorship Program Oversight and Specialty Risk initiativesSupport the oversight and ongoing monitoring of high risk and specialty merchant verticals to ensure adherence with Merrick Bank policies, card brand requirements, and program controlsAssist in developing risk mitigation strategies and recommending controls designed to reduce portfolio exposureWork closely with Risk, Underwriting, Compliance, Operations, and partner teams to assess account activity, communicate findings, and facilitate resolutionsEstablish and maintain relationships with assigned partners and internal stakeholders supporting Specialty Risk programsProvide ongoing guidance regarding risk mitigation strategies, onboarding requirements, and monitoring expectations for specialty merchant categoriesPerform reviews and investigations related to unusual activity, MCC alignment, policy adherence, and other identified risk indicatorsMaintain weekly risk tracking logs, supporting documentation, and audit evidenceSupport ongoing portfolio reviews, escalations, and strategic Specialty Risk initiatives as neededAssist with ad hoc projects and strategic initiatives assigned by managementAbility to work flexible hours and days, as deemed necessary by managementResponsible for complying with all of the Bank’s internal control policies and proceduresResponsible for understanding and complying with all laws and regulations to which the Bank is subjectResponsible for communicating problems in operations, noncompliance with the code of conduct, noncompliance with laws and regulations, policy violations, or illegal actsSkillsCollege degree (Accounting, Finance, Business, etc.) is required, four (4) years relevant experience accepted in lieu of education requirementTwo (2) years' experience is requiredAttention to detail, strong investigative and analytical skills, and exceptional communication skillsAble to demonstrate sound work ethicsExperience communicating verbally and in writing in a business environmentAble to demonstrate good common sense and sound judgmentAble to make real-time decisionsAble to work independently, but also comfortable collaborating with othersStrong investigative and analytical skillsPrior credit card processing, investigative, or lending experience a plusBenefitsCompetitive Pay, including a Bonus Target or Variable Pay Incentive ProgramBenefits Package -Medical, Dental, and Vision (plus much more)401(k) Plan with Company MatchShort- & Long-Term DisabilityWellness ProgramsGroup Life and AD&D InsurancePaid Vacation, Sick Days and bank HolidaysEmployee Engagement Activities including Employee Appreciation Day, DEI Employee Resource Groups, Corporate Social Responsibility, Service RecognitionCompany OverviewMerrick Bank is a bank offering credit program and financing services to marine and RV dealers. It was founded in 1997, and is headquartered in Draper, Utah, USA, with a workforce of 201-500 employees. Its website is http://merrickbank.com.Company H1B SponsorshipMerrick Bank has a track record of offering H1B sponsorships, with 3 in 2026, 13 in 2025, 5 in 2024, 7 in 2023, 8 in 2022, 5 in 2021, 3 in 2020. Please note that this does not guarantee sponsorship for this specific role.