Senior Risk Analyst

15 hours, 57 minutes ago
Full-time
Senior
Data Science and Analytics
Gravity Payments

Gravity Payments

Gravity Payments provides comprehensive credit card processing services, including electronic check payment processing and e-commerce solutions, designed to support small and medium-sized businesses with transparent and customer-centric practices.

Diversified Financial Services
51-250
Founded 2004

Description

  • Partner cross-functionally to advance risk strategies and provide evidence-based operational recommendations.
  • Own risk decisions and analyses while learning from outcomes and mistakes.
  • Develop and execute strategies with Risk, Underwriting, and Compliance teams to reduce fraud and credit losses.
  • Analyze merchant processing activity, ACH rejects, financial statements, and customer profiles to assess and mitigate risk.
  • Conduct daily and periodic risk reviews and analyze monthly losses across channels.
  • Manage portfolio parameters and adjust policies based on merchant, client, and industry patterns.
  • Identify trends, perform root-cause analysis, and use quantitative analysis to manage portfolio credit exposure.
  • Coach and mentor internal teams and external clients on risk operations and best practices.
  • Collaborate with merchants, Sales, Customer-Facing, and Underwriting teams to resolve risk issues.
  • Create processes, implement technologies, and solve complex merchant and partner problems.

Requirements

  • 5+ years of payments risk experience.
  • Experience with risk at an ISO, PayFac, or sponsor bank and/or experience working with Fiserv.
  • Knowledge of payment network regulations and federal and state payment-industry laws, including agencies such as the FTC and FinCEN.
  • Experience with AML, KYC, KYB, PCI, ACH, and payment facilitation.
  • Experience with credit risk, contract analysis, and periodic financial statement reviews.
  • Strong financial and business acumen, decision-making, analytical, communication, and interpersonal skills.
  • Ability to manage ambiguity, adapt to situations, evaluate risk tolerance, and develop and execute recommendations.
  • Demonstrated ability to coach and develop team members and find creative solutions.
  • Experience with liens, collections, and chargebacks is preferred.
  • Access to a wired internet connection with at least 25 Mbps download and 20 Mbps upload speeds.

Benefits

  • $90,000–$120,000 salary range, with potential flexibility, plus profit sharing.
  • Medical, dental, and vision coverage.
  • 401(k) retirement plan and voluntary life insurance.
  • Open PTO after one year, supporting personal and professional sustainability.
  • Training, mentorship, and career development opportunities.
  • Short- and long-term disability coverage and wellness resources.

Interested in this position?

Apply directly on the company website

Apply Now

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