Job Overview

The CRU Risk Analyst monitors merchant activity, analyzes transaction risk, supports chargeback and dispute processes, and ensures compliance with payment network and regulatory standards. Works with cross-functional teams to evaluate merchant behavior, investigate anomalies, and mitigate threats.

Key Responsibilities

Risk Monitoring & Mitigation

Implement and maintain real-time risk monitoring dashboard to track anomalies, fraud flags, and volume spikes.
Refine detection rules to reduce false positives and improve alerts by 10%.
Analyze transaction data to identify top risk trends.

Risk Inquiry Handling & Merchant Support

Respond to merchant risk inquiries and escalations, reducing response time by 20%.
Develop standardized inquiry resolution playbook.
Handle high-risk merchant cases end-to-end.

Chargeback Management & Prevention

Monitor and triage chargebacks, improving response speed by 10%.
Develop merchant-facing chargeback prevention guide.
Analyze dispute data for prevention opportunities.

Ticket Increases & Bank Update Risk Reviews

Evaluate high-ticket and volume increase requests using risk scoring model.
Review and approve bank account updates.
Process 95% of risk reviews within deadlines.

PCI & Regulatory Compliance

Increase PCI compliance rates by 15% through outreach.
Support internal audits and process improvements.
Maintain compliance tracking tools.

Requirements

5+ years in risk, fraud, underwriting, or compliance in payments, fintech, or banking.
Familiar with chargeback processes, transaction monitoring, PCI-DSS, AML/BSA, payment network rules.
Analytical, data-driven with knowledge of Excel, Looker, SQL.
Clear communication, thrives in fast-paced environments.

Nice-to-Haves

Experience with ACH returns, NACHA rules, or tools like Alloy, Sardine.