Senior Payment Risk Analyst, Merchant Acquiring

Touchsuite • Boca Raton, FL

23h • $80,000 - $90,000 • Hybrid

About The Position

TouchSuite is seeking an experienced Senior Payment Risk Analyst to protect its merchant portfolio from fraud and financial loss while allowing legitimate merchants to process with minimal unnecessary friction. This hands-on, operationally focused role independently monitors merchant acquiring risk, investigates exceptions, evaluates financial exposure, makes defensible decisions, and takes timely action. The analyst works directly in Fiserv Access One and/or TSYS CBOS and balances portfolio protection with responsible merchant growth.

The role includes ongoing portfolio monitoring, merchant risk reviews, chargeback and loss monitoring, financial exposure management, risk-control implementation, processor-record maintenance, and collaboration with merchants, internal teams, processors, and sponsor banks. The position is based in Boca Raton, Florida; on-site or hybrid work is strongly preferred, although exceptionally qualified remote candidates may be considered.

The annual base salary is $80,000–$90,000, depending on qualifications and experience, with performance-based incentive opportunities. TouchSuite offers a comprehensive benefits package, 401(k) with company matching, career development and professional growth opportunities, and a collaborative, team-oriented culture.

Requirements

• At least 5 years of relevant experience in merchant risk management, merchant underwriting, fraud prevention, or payment risk operations within an ISO, payment processor, acquiring bank, or payment facilitator environment.
• Demonstrated experience with ongoing merchant portfolio monitoring and post-boarding risk management, including investigating exceptions, identifying emerging exposure, and recommending or implementing corrective action.
• Hands-on experience using Fiserv Access One and/or TSYS CBOS to investigate merchant processing activity, review risk reports, manage account-level risk settings, and support merchant risk decisions.
• Ability to independently evaluate merchant financial exposure and make or recommend defensible risk decisions within established authority.
• Working knowledge of merchant reserves, transaction holds, processing limits, delayed funding, and other financial risk mitigation measures.
• Experience identifying fraud patterns, unusual merchant processing activity, credit exposure, and operational risk indicators.
• Familiarity with card-brand rules, chargeback monitoring, ACH returns, NACHA requirements, and merchant KYC/KYB procedures.
• Exposure to Visa VAMP, Mastercard monitoring programs, and chargeback mitigation tools such as Ethoca, Verifi, or RDR.
• Ability to apply risk-scoring methodologies, interpret risk indicators, and recommend improvements to monitoring rules and underwriting policies.
• Strong analytical, investigative, documentation, and problem-solving skills.
• Excellent written and verbal communication skills, including the ability to explain risk decisions to merchants, internal stakeholders, and management.
• Proactive, accountable, and service-oriented approach, with the ability to manage competing priorities in a fast-paced environment.

Nice To Haves

• Direct experience with both Fiserv Access One and TSYS CBOS, particularly in merchant portfolio monitoring and risk operations.
• Experience managing risk within high-risk or complex merchant portfolios.
• Familiarity with merchant cash advances, split funding, merchant reserve structures, and related financial exposure considerations.
• Experience working with sponsor banks, acquiring partners, or processor risk teams.
• Understanding of card-brand monitoring programs, MATCH reporting, and merchant termination considerations.
• Experience with risk reporting, data analysis, dashboard development, or process automation using Excel, SQL, Power BI, or comparable tools.
• Demonstrated experience improving fraud detection rules, exception reporting, risk controls, or operational processes.
• Experience identifying the underlying cause of merchant losses and recommending preventive actions.

Responsibilities

• Independently monitor and manage risk across an established merchant acquiring portfolio, identifying emerging credit exposure, unusual processing activity, and potential fraud.
• Review daily processor exception reports, risk alerts, and merchant activity; prioritize and resolve issues within established service levels.
• Identify warning indicators such as unusual processing volume or ticket sizes, card testing, excessive refunds, suspicious transaction patterns, and activity inconsistent with approved merchant profiles.
• Investigate merchants with increased financial exposure, processing irregularities, or changing business circumstances.
• Monitor chargeback activity, processing trends, and merchant financial performance, and identify accounts requiring review or intervention.
• Recommend and implement authorized risk controls, including transaction holds, processing and maximum transaction limits, and account-level risk settings.
• Escalate significant exposures promptly with clear findings and recommended actions.
• Evaluate merchant risk using transaction history, financial information, business models, industry exposure, and other relevant indicators.
• Conduct periodic and event-driven reviews of high-risk merchants and reassess their risk profiles as circumstances change.
• Recommend or approve authorized risk mitigation measures, including reserves, volume caps, delayed funding, and other processing restrictions.
• Evaluate whether to establish, adjust, or release merchant reserves based on current and anticipated financial exposure.
• Support underwriting decisions for new merchant accounts, including approval, conditional approval, or decline recommendations.
• Perform merchant identity, business ownership, and compliance verification using resources such as GIACT, LexisNexis, Equifax, Mastercard MATCH, and OFAC screening.
• Document findings, decisions, supporting evidence, and approvals to meet internal controls, processor requirements, and sponsor bank expectations.
• Monitor chargeback volumes, ratios, and trends; identify merchants approaching card-brand monitoring thresholds and recommend proactive intervention.
• Maintain working knowledge of Visa VAMP, Mastercard monitoring programs, and relevant card-brand operating rules; use tools such as Ethoca, Verifi, and Rapid Dispute Resolution where applicable.
• Collaborate with internal teams and external partners responsible for dispute processing and chargeback resolution.
• Investigate negative merchant balances, ACH returns, and outstanding financial obligations; support collections and loss recovery, merchant outreach, repayment arrangements, and escalations.
• Assess potential exposure from merchant closures, refunds, future chargebacks, and other contingent liabilities.
• Use Fiserv Access One and/or TSYS CBOS to investigate activity, review account settings, and manage merchant risk controls.
• Execute authorized account maintenance changes, verify processor-level changes, and maintain appropriate documentation.
• Apply risk-scoring methodologies and underwriting policies consistently; identify recurring risk patterns, control gaps, and monitoring or operational improvements.
• Recommend enhancements to risk policies, procedures, monitoring rules, exception reporting, and internal controls.
• Communicate directly with merchants during investigations and risk reviews using a professional, service-oriented approach.
• Partner with Sales, Underwriting, Onboarding, Operations, Customer Support, and Compliance to resolve risk issues.
• Explain risk decisions clearly to merchants, internal stakeholders, and management, balancing merchant needs against financial exposure.
• Coordinate with processor and sponsor bank representatives when information, approvals, or escalation are needed.
• Share emerging fraud trends, risk indicators, and operational findings with stakeholders, and contribute to accountability and continuous improvement.

Benefits

• Performance-based incentive opportunities
• Comprehensive benefits package
• 401(k) with company matching
• Career development and professional growth opportunities
• Collaborative, team-oriented culture that values accountability, innovation, urgency, and excellence

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: No Education Listed