Risk Analyst II

Job Description:

• Conduct comprehensive merchant application reviews and analyses covering KYC and AML rules
• Review and analyze flagged transactions and alerts, making recommendations regarding payments processing standards
• Assist in developing fraud detection and risk management systems and tools
• Review merchant transaction history to assess risk and recommend payment processing limits
• Manage inquiries and requests from customers, partners, and internal teams
• Collaborate with Onboarding, Customer Support, and external partners on payment processing matters
• Review and approve merchant applications while ensuring compliance with internal policies, processor guidelines, card brand rules, and federal regulations
• Recommend enhancements to streamline underwriting and improve the merchant experience

Requirements:

• High School Diploma minimum; Bachelor's degree preferred
• 3–7 years of experience in the payment industry, focused on underwriting, transaction monitoring, customer support and/or fraud/risk management
• Proficiency with Microsoft Office Suite/Google, especially Excel/Sheets
• Familiarity with merchant processing platforms and applications
• Knowledge of card brand rules and regulations, including Visa and Mastercard
• Awareness of PCI compliance
• Ability to read and understand credit card processing statements
• Strong analytical skills, attention to detail, and research capabilities
• Ability to research and make decisions on complex merchant-related issues and relay findings
• Comfortable contacting customers directly by email or phone to review merchant application details
• Autonomous work ethic and comfort in a digitally connected environment

Benefits:

• Competitive base pay and performance bonus eligibility
• Equity participation for all full-time employees
• Comprehensive medical coverage with up to 100% employee premium coverage and 75% dependent coverage
• Annual $1,200 HSA employer contribution for eligible plans
• 100% covered dental, vision, life, and disability insurance
• 12 weeks of fully paid U.S. parental leave
• Flexible paid time off
• 10 U.S. company holidays
• Fully remote work
• $200 home office setup allowance
• $50 monthly WFH reimbursement
• $200 quarterly Boulevard Bucks for well-being and industry connection
• One Medical membership
• Employee Assistant Program