Senior Risk Analyst
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Job Description
Senior Risk Analyst overseeing merchant collections, ACH funding returns, and fraud investigations. Supporting CSG, a provider of customer-connection and payment technologies.
Responsibilities:
- Oversee the end-to-end collections lifecycle for merchant accounts with outstanding balances
- Review aging reports and prioritize collection queues based on risk exposure, account status, and recovery probability
- Initiate and track merchant outreach, coordinate repayment plans, and escalate unresolved accounts
- Maintain accurate collections records, correspondence, and outcomes in case management systems
- Identify systemic patterns contributing to collections volume and recommend process or policy improvements
- Oversee review and processing of funding returns from ACH rejects, closed accounts, disputed transactions, or compliance holds
- Investigate root causes of return activity and determine appropriate remediation, risk action, or further investigation
- Coordinate with Payments Operations and Accounting for return processing and reconciliation
- Monitor return-rate thresholds and flag accounts approaching network or internal limits
- Investigate accounts with elevated collections or return risk using transaction history, financial data, and public information
- Identify fraud indicators and initiate appropriate risk actions
- Support account and portfolio evaluations of financial health, compliance standing, and risk acceptability
- Participate in underwriting reviews for merchants requiring reassessment of processing limits or account status
- Serve as an escalation point for complex or high-exposure cases
- Approve, document, and execute escalations, exceptions, and restricted tasks within assigned authority limits
- Partner with senior management on high-risk or high-value cases
- Analyze collections and funding-return data for trends, anomalies, and risk concentrations
- Prepare management reporting on collections performance, return activity, recovery rates, and open exposure
- Contribute to firmwide risk reporting and special projects
Requirements:
- Bachelor’s degree or equivalent experience
- 3+ years of experience in payments risk, collections, chargeback management, or financial investigations
- Strong working knowledge of ACH return codes, chargeback lifecycle, and dispute resolution processes
- Experience with merchant acquiring, payment processing, or fintech risk operations
- Ability to analyze financial data and draw sound, defensible risk conclusions
- Excellent written and verbal communication skills; comfortable engaging merchants and senior stakeholders
- High attention to detail and ability to manage multiple open cases under competing deadlines
- Proficiency with case management systems, Excel, BI platforms, and payment processing platforms
- Familiarity with Visa and Mastercard operating regulations related to disputes, returns, and fraud controls
- Experience with real-time transaction monitoring tools
- Knowledge of NACHA Operating Rules and Regulation E as they apply to ACH returns and unauthorized transactions
- Experience supporting or conducting collections in a regulated payments environment
- Ability to read, write, speak and understand English in a business environment
Benefits:
- Work from Home
- Employee Belonging Groups
- Healthcare: Dental, Medical, and Vision
- Paid Vacation, Volunteer, and Holiday Time Off
- Bonus opportunity
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