Lead Merchant Risk Analyst

🔥 2 hours ago

🇺🇸 United States – Remote

💵 $120.8k - $169.1k / year

⏰ Full Time

🟠 Senior

🎲 Risk

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Wisetack

WebsiteLinkedInAll Job Openings

51 - 200 employees

💳 Fintech

🤝 B2B

💸 Finance

💰 $45M Series B on 2021-09

Fintech • B2B • Finance

Wisetack is a technology platform that offers consumer-friendly financing solutions for real-life services. By providing monthly payment options through a seamless API integration, Wisetack enables businesses in sectors such as home services, auto repair, dental, and more to offer their customers transparent and straightforward financing options at the point of sale. Customers can apply and see their payment options quickly, facilitating transactions with clarity and ease. Wisetack partners with various software platforms to drive business growth and is recognized for its innovation and impact in the fintech space, particularly in the realm of embedded financial payments and buy now/pay later services.

📋 Description

• 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

🎯 Requirements

• 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

🏖️ Benefits

• equity • benefits