Risk Analyst

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Jonas Software

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

🏗️ Construction

🏥 Healthcare

🏭 Manufacturing

Construction • Healthcare • Manufacturing

Jonas Software is the leading provider of enterprise management software solutions to over 40 different vertical markets. The company has acquired over 160 unique and innovative companies, positioning itself as a trusted source for technology and product innovation. With a client base of over 40,000 customers worldwide, Jonas Software operates offices across multiple continents and employs over 3,500 skilled professionals. Its vision is to be a global leader in enterprise management software, recognized for quality and customer service.

📋 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/declines, suspicious processing behavior, and emerging risk trends • Conduct merchant risk reviews and maintain complete case documentation in Salesforce • Manage bank account change reviews, including validation, verification, approvals, system updates, quality control, and post-change monitoring • Support merchant monitoring programs, including website reviews, LegitScript screenings, alert investigations, negative media reviews, sanctions screening, regulatory concerns, and prohibited activity reviews • Perform enhanced due diligence and monitoring for high-risk industries, MCCs, NEC classifications, non-profits, firearms/ammunition merchants, and other restricted or sensitive 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 shifting 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 • Preferred: 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 • Experience reviewing bank change documentation, voided checks, bank letters, authorized signers, ownership matches, or account verification controls • Experience reviewing chargebacks, ACH returns, transaction holds, duplicate transactions, excessive refunds, or large-ticket verification workflows • Knowledge of MCC risk classification, high-risk industries, NEC classifications, prohibited merchant categories, and enhanced due diligence triggers • Experience preparing risk reporting, KPI summaries, audit support documentation, or operational leadership updates • 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 • Required pre-existing authorization to work in Canada; this role does not offer visa sponsorship • Required ability to travel periodically for team meetings, training sessions, conferences, and other business-related activities

🏖️ 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 (2–3x per year) • Accommodation support during the application process • 40 scheduled weekly hours