Credit Risk Specialist

Fiserv•King of Prussia, PA

2d•Onsite

About The Position

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.

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).
Responsibilities listed are not intended to be all-inclusive and may be modified as necessary.

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