Credit Risk Specialist

Fiserv • King of Prussia, PA

1d

About The Position

Calling all innovators – find your future at Fiserv. We’re Fiserv, a global leader in Fintech and payments, and we move money and information in a way that moves the world. We connect financial institutions, corporations, merchants, and consumers to one another millions of times a day – quickly, reliably, and securely. Any time you swipe your credit card, pay through a mobile app, or withdraw money from the bank, we’re involved. If you want to make an impact on a global scale, come make a difference at Fiserv. Job Title Credit Risk Specialist About your role: You will join the Payments Risk team at Fiserv, protecting the firm and our clients from fraud and credit losses by investigating suspicious merchant processing activity and negotiating remediation. The role supports merchant underwriting and portfolio protection through financial analysis, collateral negotiation, and cross-functional coordination with Legal, Funding, Operations, and Client Services. What you’ll do: Make real-time decisions to identify situations requiring deeper investigation and recognize emerging fraud trends. Coordinate risk mitigation and fraud remediation efforts across departments including Funding, Legal, Operations, and Client Services. Communicate regularly with internal and external partners to present high-risk activities with recommended actions. Review numerous accounts in a fast-paced environment to identify potentially high-risk/suspicious merchant processing activities. Review and investigate merchant accounts to assess fraud and credit risk exposure. Negotiate collateral requirements, resolve merchant inquiries, and complete special projects related to portfolio risk. Interpret financial statements and personal credit profiles to assess creditworthiness and calculate exposure (discounts, interest, commissions, proportions, percentages). Responsibilities listed are not intended to be all-inclusive and may be modified as necessary.

Requirements

• 2+ years of experience in payments risk and fraud investigations, including merchant acquiring, chargeback workflows, and merchant underwriting.
• 1+ years of experience with fraud and case management platforms and analytics tools (e.g., NICE Actimize, SAS Fraud, FICO, ACI, Verifi).
• 1+ years of experience interpreting financial statements and performing financial ratio and cash-flow analysis.
• 1+ years of experience with card network rules and payments standards (e.g., Mastercard/Visa association rules, NACHA, PCI DSS).
• 3+ years of equivalent combination of educational background, related experience, and/or military experience.

Nice To Haves

• Bachelor’s degree in Business, Finance, Accounting, Criminal Justice, Pre-Law, or related field.
• 1+ year of prior credit risk or payments risk experience focused on merchant portfolios.
• Familiarity with chargeback representment and dispute resolution workflows.
• Experience managing cross-functional stakeholder communication and presenting risk findings to senior leaders.
• Prior exposure to case automation, rule-tuning, or machine-learning models for fraud detection.

Responsibilities

• Make real-time decisions to identify situations requiring deeper investigation and recognize emerging fraud trends.
• Coordinate risk mitigation and fraud remediation efforts across departments including Funding, Legal, Operations, and Client Services.
• Communicate regularly with internal and external partners to present high-risk activities with recommended actions.
• Review numerous accounts in a fast-paced environment to identify potentially high-risk/suspicious merchant processing activities.
• Review and investigate merchant accounts to assess fraud and credit risk exposure.
• Negotiate collateral requirements, resolve merchant inquiries, and complete special projects related to portfolio risk.
• Interpret financial statements and personal credit profiles to assess creditworthiness and calculate exposure (discounts, interest, commissions, proportions, percentages).

Benefits

• Fuel Your Life program to support 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 used for rewards
• Eight Employee Resource Groups to foster a collaborative culture
• Unparalleled professional growth with training, development, and internal mobility opportunities
• Retirement planning and discounted shares with the Employee Stock Purchase Plan
• Medical, dental, vision, life, and disability insurance options available day one
• Tuition assistance and reimbursement program
• Paid parental, caregiver, and military leave

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level