Financial Risk Analyst

Financial Risk Analyst
Universal Processing, LLC — New York, NY

Identify, assess and mitigate risks related to merchant accounts, transactional behavior, and potential fraud. Support the underwriting team by evaluating new merchant applications and assisting with risk-based decision-making during the onboarding process. Monitor daily merchant processing activity for suspicious behavior, anomalies, and potential fraud indicators. Analyze transaction trends, chargebacks, reserves, and credit exposure to assess and manage ongoing risk. Conduct reviews and investigations of high-risk merchants, including those flagged in MATCH/TMF or associated with card brand violations. Assist the underwriting team in evaluating new merchant applications by assessing risk exposure based on business
models, financials, processing volume, and industry type. Help structure deals by recommending appropriate reserve levels, rolling reserves or processing limits. Review supporting documentation including bank statements, processing statements, financials, and business models to assess risk at onboarding and during merchant lifecycle reviews. Collaborate with Underwriting, Compliance, Legal, and Account Management teams on complex merchant approvals or escalations. Recommend mitigation strategies such as account holds, reserve changes, or termination of high-risk merchants. Prepare reports and presentations for internal stakeholders and regulators on portfolio risk exposure and trends. Contribute to the enhancement of internal risk models, monitoring tools, and underwriting guidelines. Stay informed on card brand rules (Visa, Mastercard), industry regulations, and emerging fraud trends. Leverage AI tools and data-driven technologies to enhance productivity, risk assessment, fraud detection, operational efficiency and continuous process improvement.

Must have a Bachelors degree in Risk Management, Finance, a closely related field or foreign equivalent. Must have 2 years experience as a Financial Risk Analyst, Credit Analyst or any related position. Must have demonstrated experience with risk analysis and modeling. 

Salary: $99,882/yr. 

Email resumes to: Na Huo at nana@letsgoup.com