Credit Risk Analyst

Fiserv•Coral Springs, FL

8d•Onsite

About The Position

As a Credit Risk Analyst, you assess merchant portfolios to identify, mitigate, and reduce fraud and credit losses for our clients and for Fiserv. You will partner closely with teams such as Funding, Legal, Operations, and Client Services to investigate suspicious merchant processing activity and recommend actions that protect the firm from financial loss while supporting strong client relationships.

Requirements

3+ years of experience in financial services, payments, or a related environment with exposure to fraud, risk, or credit decisioning
2+ years of customer service or client-facing experience, including handling complex or adverse situations
Experience using Microsoft Excel and Microsoft Word to analyze data and create clear documentation
Strong analytical, quantitative, and problem-solving skills, including the ability to interpret financial documents and merchant processing data
Demonstrated ability to manage multiple priorities, organize detailed information, and meet deadlines in a high-volume environment
Bachelor’s degree in business, finance, accounting, criminal justice, or a related field, or equivalent combination of education, related experience and/or military experience

Nice To Haves

Prior credit risk experience within merchant acquiring, card processing, or payments
Experience with MasterCard and Visa association rules and regulations related to fraud, chargebacks, and risk programs
Bilingual language skills (for example, Spanish, French, and/or English)

Responsibilities

Review and investigate merchant accounts to assess fraud and credit risk exposure across assigned portfolios
Make timely decisions on cases that require deeper investigation, identifying credit risk and emerging fraud trends
Coordinate risk mitigation and fraud remediation efforts with partners in Funding, Legal, Operations, and Client Services
Communicate high-risk activity, recommendations, and required actions clearly to internal and external stakeholders
Analyze and calculate financial metrics including total and average processing volume, collateral needs, and potential loss exposure
Negotiate collateral requirements and restructuring terms in alignment with established risk guidelines
Resolve merchant inquiries through outbound and scheduled calls, documenting outcomes and next steps
Complete special projects and ad hoc analyses to support risk initiatives and process improvements
Work independently and as part of a team to manage a high volume of accounts in time-sensitive, high-pressure situations

Benefits

Fuel Your Life program to support your physical, financial, social, and emotional well-being.
Paid holidays and generous time away policies.
No-cost mental health support through Employee Assistance Programs.
Living Proof program to recognize your peers’ extra effort with points redeemable for rewards.
Eight Employee Resource Groups to foster a collaborative culture and expand your network.
Unparalleled professional growth with training, development, and internal mobility opportunities.
Medical, dental, vision, life, and disability insurance options available from day one.
Retirement planning and discounted shares with the Employee Stock Purchase Plan.
Tuition assistance and reimbursement program.
Paid parental, caregiver, and military leave.