Risk Analyst

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Constellation Payments

WebsiteLinkedInAll Job Openings

11 - 50 employees

Founded 2012

💳 Fintech

🤝 B2B

🛍️ eCommerce

Fintech • B2B • eCommerce

Constellation Payments is a leading payment platform in North America, dedicated to providing seamless payment solutions for Constellation's six operating groups in the USA and Canada. As a trusted payment partner, they offer credit and debit processing, SaaS fee collection, and ACH processing, catering to a variety of payment needs including card-present, eCommerce, and recurring billing. By leveraging API documentation, integration support, and specialized industry expertise, Constellation Payments empowers businesses to streamline financial processes, enhance revenue potential, and improve customer satisfaction. Their platform supports over 4,000 merchants, offering real-time reporting and customized portal options. Constellation Payments is a registered agent for Worldpay under Fifth Third Bank.

📋 Description

• Monitor merchant activity for fraud, compliance, reputational, operational, ACH, chargeback, and transaction-related risks • Investigate flagged activity, including held transactions, large tickets, refunds, duplicate transactions, excessive authorizations or declines, suspicious processing behavior, and emerging risk trends • Conduct merchant risk reviews and maintain complete case documentation, investigations, outreach, escalations, follow-ups, and resolution records in Salesforce • Manage bank account change reviews, including validation, verification, approvals, system updates, quality control, and post-change monitoring • Support website reviews, LegitScript screenings, alert investigations, negative media reviews, sanctions screening, regulatory concerns, prohibited activity reviews, and escalation of significant findings • Perform enhanced due diligence and monitoring for high-risk industries, MCCs, NEC classifications, non-profits, firearms/ammunition merchants, and restricted or sensitive business categories • Monitor chargeback, ACH, and NACHA-related activity, including return rates, unauthorized and administrative returns, recurring payments, thresholds, trend analysis, and remediation efforts • Support periodic KYC/KYB refreshes, merchant portfolio reviews, and documentation validation • Maintain risk monitoring logs, investigation records, reporting dashboards, and tracking tools; prepare recurring reports • Document investigations with findings, evidence, risk assessments, decisions, ownership, and recommended next steps • Escalate critical fraud, compliance, sanctions, regulatory, or operational risks to leadership • Support risk process improvements, reporting enhancements, underwriting initiatives, and operational projects • Adapt to changing priorities, procedures, risk controls, regulatory requirements, and business initiatives • Take ownership of new responsibilities and support cross-functional projects

🎯 Requirements

• 1–3 years of experience in risk operations, underwriting, payment operations, fraud monitoring, banking operations, compliance operations, or a similar role • Working understanding of payment processing workflows, merchant accounts, transaction monitoring, chargebacks, ACH returns, refunds, and risk flags • Strong attention to detail and ability to validate documentation, identify inconsistencies, and maintain accurate case notes and trackers • Ability to manage multiple open reviews, follow-ups, escalations, and time-sensitive cases simultaneously • Strong written communication skills • Comfort working with CRM/case management tools, spreadsheets, and operational trackers • Ability to follow documented procedures while identifying gaps, control weaknesses, or process improvement opportunities • Sound judgment, professionalism, and discretion when handling sensitive merchant, banking, fraud, and compliance information • Ability to work cross-functionally with Risk, Underwriting, Onboarding, Merchant Support, Finance, Product, and partner-facing teams • Working knowledge of ACH processing, NACHA Operating Rules, ACH return codes, unauthorized return thresholds, administrative returns, and ACH risk monitoring best practices • Ability to investigate ACH-related risk indicators, including unusual return activity, account validation concerns, transaction anomalies, and merchant processing trends • Experience in merchant acquiring, PayFac operations, fintech, payment risk, card-not-present environments, or payment gateway operations preferred • Familiarity with Payrix, Salesforce, Zift, Vantiv IQ, LegitScript, GIACT, Inscribe, or similar tools preferred • Experience reviewing bank change documentation and account verification controls preferred • Experience reviewing chargebacks, ACH returns, transaction holds, duplicate transactions, excessive refunds, or large-ticket verification workflows preferred • Knowledge of MCC risk classification, high-risk industries, NEC classifications, prohibited merchant categories, and enhanced due diligence triggers preferred • Experience preparing risk reporting, KPI summaries, audit support documentation, or operational leadership updates preferred • Comfort working in a remote-first environment with strong follow-through, documentation discipline, and queue ownership • Experience with ACH risk monitoring programs, NACHA compliance requirements, return rate management, and payment network rules preferred • Required ability to travel periodically 2–3 times per year • Must have pre-existing authorization to work in Canada; visa sponsorship is not offered

🏖️ Benefits

• 100% remote-first work model • Work from home or any approved location within the hiring country • Periodic travel for team meetings, training sessions, conferences, and other business-related activities • Collaborative, caring culture • Volunteer opportunities, sporting events, and picnics • Remote BINGO and regular “Minute to Win it” trivia sessions