Lead Merchant Risk Analyst

🕒 Maio 29

🇺🇸 Estados Unidos – Remoto (EUA)

💵 $120.800 - $169.100 / ano

⏰ Tempo Integral

🟠 Sênior

🎲 Riscos

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Wisetack

SiteLinkedInTodas as Vagas

51 - 200 funcionários

💳 Fintech

🤝 B2B

💸 Finanças

💰 $45.000.000 Series B em 2021-09

Fintech • B2B • Finance

Wisetack é uma plataforma de tecnologia que oferece soluções de financiamento amigáveis ao consumidor para serviços do dia a dia. Ao fornecer opções de pagamento mensais através de uma integração de API perfeita, o Wisetack permite que empresas em setores como serviços domésticos, reparo de automóveis, odontologia, entre outros, ofereçam aos seus clientes opções de financiamento transparentes e diretas no ponto de venda. Os clientes podem se inscrever e ver suas opções de pagamento rapidamente, facilitando as transações com clareza e simplicidade. O Wisetack faz parcerias com várias plataformas de software para impulsionar o crescimento dos negócios e é reconhecido por sua inovação e impacto no espaço fintech, particularmente no âmbito de pagamentos financeiros embarcados e serviços de compre agora/pague depois.

Descrição

• Lead analytical work across the merchant risk lifecycle, including onboarding, KYB/KYC, transaction monitoring, and merchant decisioning • Build and maintain queries, dashboards, alerts, and reporting that identify fraud patterns, emerging risks, and control gaps • Investigate high-risk merchant activity, including business misrepresentation, suspicious transactions, inflated invoices, collusion, refund abuse, and account takeover • Translate findings into clear recommendations that improve risk controls, merchant experience, and business outcomes • Measure the impact of rule changes, segmentation strategies, and risk experiments on fraud losses, approval rates, false positives, and customer experience • Partner with Data Science, Data Engineering, and third-party vendors to evaluate risk signals, models, data quality, and monitoring infrastructure • Contribute to the development of scalable monitoring, decisioning, and automation capabilities, including AI-enabled workflows where appropriate • Help identify emerging merchant fraud trends and opportunities to strengthen Wisetack's risk strategy

🎯 Requisitos

• Bachelor's degree in a quantitative field (math, economics, statistics, data science, finance, engineering) or equivalent practical experience • 5+ years of experience in fraud, merchant risk, payments risk, or financial services analytics • Strong SQL proficiency and experience using Python, R, SAS, or similar tools to analyze complex datasets and generate actionable insights • Experience working with risk models, machine learning outputs, or rules-based strategies to detect fraud and emerging risk trends • Familiarity with merchant onboarding, KYB/KYC, identity verification, business verification, sanctions screening, firmographic data, or fraud vendor integrations • Experience collaborating with Data Science and Data Engineering teams to develop scalable risk monitoring and decisioning capabilities • Strong communication, ownership, and judgment, with the ability to balance fraud prevention, merchant experience, consumer protection, compliance, and growth • Experience using AI tools, automation, or workflow optimization to improve analytical or operational efficiency is a plus.

🏖️ Benefícios

• equity • benefits