[Remote] Sr. Risk Analyst

Note: The job is a remote job and is open to candidates in USA. Davis Talent Search is a high-growth fintech organization serving over 50,000 clients nationwide. The Sr. Risk Analyst is responsible for managing and monitoring a merchant portfolio, focusing on risk assessment, fraud prevention, and transaction review to support merchant growth while mitigating risks.ResponsibilitiesManage and monitor a portfolio of merchants across card-present and card-not-present channelsReview daily transaction activity, clearing activity, and account reconciliations to identify potential risk exposureConduct ongoing portfolio reviews using merchant financials, processing behavior, underwriting documentation, and transaction trendsInvestigate suspicious activity, fraud indicators, excessive chargebacks, ACH returns, and other risk eventsEstablish, maintain, and adjust risk controls, including rolling reserves, funding delays, and other reserve strategiesMonitor merchant performance using risk models, portfolio metrics, and established policy thresholdsReview monthly loss trends and perform root cause analysis to improve risk management practicesProcess and manage ticketing requests related to portfolio monitoring and risk operationsPerform TSYS debit reconciliations and support daily operational risk functionsEscalate and manage compliance-related concerns involving KYC, KYB, AML, SAR, and OFAC requirementsCollaborate with underwriting, sales, operations, and support teams to resolve risk-related issuesEngage with merchants to address concerns, communicate risk findings, and implement mitigation strategiesIdentify portfolio-level trends and recommend enhancements to risk policies, controls, and operational processesManage approximately 50 new merchant IDs per month while maintaining portfolio health and performanceSkills2+ years of risk management experience within merchant acquiring, payments, fintech, or an ISO environmentExperience managing credit risk, fraud exposure, chargebacks, and portfolio performanceHands-on experience with TSYS, including CBOS, Green Screens, PPM, and related ticketing systemsExperience with daily transaction clearing, account reconciliation, and portfolio monitoringExperience implementing and managing reserve structures, funding delays, and other risk controlsStrong understanding of payment networks, card brand regulations, PCI DSS, ACH, and payment facilitation modelsWorking knowledge of KYC, KYB, AML, SAR, and OFAC requirementsStrong analytical and investigative skills with advanced Excel proficiencyExperience using SQL and/or Python for data analysisFamiliarity with merchant agreements, financial statement analysis, and reserve structuresStrong communication skills and the ability to make sound decisions in a fast-paced environmentAbility to work independently while collaborating effectively across departmentsExperience with Fiserv platforms, including Omaha and North platformsExperience with collections, liens, and chargeback or refund recovery processesExperience supporting high-risk merchant portfoliosExperience using data modeling or risk analytics platformsBenefitsMedical, dental, and vision insurance.401(k) plan.Life insurance.Bonus opportunity.Profit-sharing program.Career advancement through mentorship, training, and hands-on experience.Opportunity to join a respected fintech organization focused on innovation and growth.Company OverviewWelcome to Davis Talent Search. It was founded in 2013, and is headquartered in Buena Vista, CO, US, with a workforce of 2-10 employees. Its website is http://www.davistalent.com.