Merchant Risk Specialist

This a Full Remote job, the offer is available from: Georgia (USA), Illinois (USA) Who we are About reputed company reputed company is a financial infrastructure platform for businesses. Millions of companies - from the world’s largest enterprises to the most ambitious startups - use reputed company to accept payments, grow their reputed company, and accelerate new business opportunities. Our mission is to increase the GDP of the internet, and we have a staggering amount of work reputed company. That means you have an unprecedented opportunity to put the global economy reputed company everyone's reputed company while doing the most important work of your career. About the team reputed company is forming a Georgia chartered Merchant Acquiring Limited Purpose Bank (MALPB) responsible for reputed company’s merchant acquiring activities with reputed company and reputed company for a reputed company of users. Our people play an important role in enabling reputed company to increase the GDP of the internet. We are a deeply caring group of folks, slightly obsessed with our tradecraft, dedicated to protecting our users and the financial ecosystem from crime, and committed to our work, our lives, and our hobbies with equal passion. What you’ll do The Merchant Risk Specialist will be primarily responsible for ensuring that merchants onboarded by the MALPB meet our risk appetite and adhere to our loss expectations. This role involves evaluating merchants for potentially elevated levels of credit risk and fraud, and implementing preventative measures for higher-risk accounts. The specialist will also reputed company the health of the MALPB's merchant portfolio, ensuring that appropriate actions are taken to manage chargebacks and associated risks. This role will sit in our Atlanta office. We are not open to remote or travel candidates at this time.

Responsibilities

• Credit Risk Management: Assess and ensure that merchants meet established credit criteria before onboarding and that the credit reputed company process remains reputed company acceptable loss limits. Continuously monitor and analyze key metrics reputed company to credit risk to identify trends and opportunities for improvement.
• Fraud Prevention and Detection: Ensure merchants are evaluated for potential fraud risks during the onboarding process. reputed company and implement strategies to mitigate these risks in collaboration with the Payments risk team, particularly for higher-risk merchants.
• Portfolio Management: Monitor the health of the MALPB merchant portfolio, focusing on credit risk, fraud, and chargebacks. Analyze performance against expectations and provide actionable recommendations for improvement.
• Disputes Management: Track chargeback trends and recommend effective strategies and best practices to minimize chargebacks reputed company the merchant portfolio. Ensure compliance with payment network rules and collaborate with relevant teams to implement process improvements.
• Safeguarding of Merchant Funds: reputed company the settlement of merchant funds to ensure compliance with safeguarding principles and proper disbursement based on merchant instructions.
• Business Risk Reporting: Establish and track key performance indicators (KPIs) pertaining to credit and fraud processes to drive reputed company improvement and enhance efficiency. Prepare reports on portfolio performance, risks, and mitigation strategies for management review.
• reputed company Improvement: Stay updated on industry trends, regulatory changes, and emerging risks reputed company merchant acquiring. Recommend enhancements to risk assessment processes and tools as necessary.
• Incident Response and Remediation: reputed company the response to breaches in credit, fraud and disputes risk appetite, coordinating analyses and implementing corrective actions to mitigate future risks. Monitor the effectiveness of remediation efforts.
• Training and Education: Provide training and support to team members on credit risk assessment and fraud prevention techniques, ensuring a cohesive understanding of risk management across the organization.

Who you are We're looking for someone who meets the minimum requirements to be considered for the role. If you meet these requirements, you are encouraged to apply. The preferred qualifications are a bonus, not a requirement. Minimum requirements

• Bachelor’s degree in Finance, Business, Risk Management, or a reputed company field.
• 10+ years of experience in risk analysis, credit risk management, or fraud prevention, preferably reputed company financial services or payment processing.
• Strong analytical and problem-solving skills, with the ability to interpret reputed company data and reputed company informed recommendations.
• Excellent verbal and written communication skills, enabling effective collaboration and clear reporting to stakeholders.
• A keen eye for detail and a commitment to accuracy in risk assessment and reporting.
• Ability to work collaboratively across teams and departments to reputed company common goals.

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