Risk Analyst

🔥 1 minute ago

Apply Now

Find Similar Remote Jobs

Set Up Email Alert For New Jobs

📊 Check your resume score for this job

Improve your chances of getting an interview by checking your resume score before you apply.

Upload Resume

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, investigating 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, investigations, outreach, escalations, follow-ups, and resolution records within Salesforce. • Manage bank account change reviews, including validation, verification, approvals, system updates, quality control, and ongoing post-change monitoring for suspicious activity, refunds, returns, chargebacks, and other elevated risk indicators. • Support ongoing merchant monitoring programs, including 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 other restricted or sensitive business categories. • Monitor chargeback, ACH, and NACHA-related activity, including return rates, unauthorized and administrative returns, recurring payment activity, threshold monitoring, trend analysis, and remediation efforts with merchants, partners, and internal stakeholders. • Support periodic KYC/KYB refreshes, merchant portfolio reviews, and documentation validation to ensure ongoing compliance and business model alignment. • Maintain risk monitoring logs, investigation records, reporting dashboards, and tracking tools while preparing recurring reports on monitoring activity, escalations, investigations, high-risk merchants, and emerging portfolio trends. • Document investigations clearly and objectively, including findings, evidence, risk assessments, decisions, ownership, and recommended next steps, escalating critical fraud, compliance, sanctions, regulatory, or operational risks to leadership as required. • Support risk process improvements, reporting enhancements, underwriting initiatives, and other operational projects while performing additional duties assigned by leadership to support evolving business needs. • Operate effectively in a rapidly changing environment, adapting to shifting priorities, workloads, procedures, risk controls, regulatory requirements, and business initiatives. • Take ownership of new responsibilities, support cross-functional projects, and perform miscellaneous duties assigned by management to meet evolving organizational needs.

🎯 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 with the 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 at once. • Strong written communication skills, including the ability to communicate clearly with partners, merchants, and internal stakeholders. • Comfort working with CRM/case management tools, spreadsheets, and operational trackers. • Ability to follow documented procedures while identifying gaps, control weaknesses, or opportunities for process improvement. • 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 review and investigate ACH-related risk indicators, including unusual return activity, account validation concerns, transaction anomalies, and merchant processing trends.

🏖️ Benefits

• Medical, dental, vision, and life insurance. • 401(k) with 100% vested company match from day one. • 15 vacation days, 5 sick days, and 1 personal day annually. • Participation in our Employee Share Program (Ticker: CSU.TO).