Note: The job is a remote job and is open to candidates in USA. Wisetack is a fintech company building consumer lending products for service-based businesses. They are seeking a Lead Merchant Risk Analyst to manage and investigate merchant fraud, improve risk processes, and collaborate with various teams to ensure safe growth for merchants and consumers.
Responsibilities
- Lead analytical work across the merchant risk lifecycle, including onboarding, KYB/KYC, transaction monitoring, and merchant decisioning
- Build and maintain queries, dashboards, alerts, and reporting that identify fraud patterns, emerging risks, and control gaps
- Investigate high-risk merchant activity, including business misrepresentation, suspicious transactions, inflated invoices, collusion, refund abuse, and account takeover
- Translate findings into clear recommendations that improve risk controls, merchant experience, and business outcomes
- Measure the impact of rule changes, segmentation strategies, and risk experiments on fraud losses, approval rates, false positives, and customer experience
- Partner with Data Science, Data Engineering, and third-party vendors to evaluate risk signals, models, data quality, and monitoring infrastructure
- Contribute to the development of scalable monitoring, decisioning, and automation capabilities, including AI-enabled workflows where appropriate
- Help identify emerging merchant fraud trends and opportunities to strengthen Wisetack's risk strategy
Skills
- Bachelor's degree in a quantitative field (math, economics, statistics, data science, finance, engineering) or equivalent practical experience
- 5+ years of experience in fraud, merchant risk, payments risk, or financial services analytics
- Strong SQL proficiency and experience using Python, R, SAS, or similar tools to analyze complex datasets and generate actionable insights
- Experience working with risk models, machine learning outputs, or rules-based strategies to detect fraud and emerging risk trends
- Familiarity with merchant onboarding, KYB/KYC, identity verification, business verification, sanctions screening, firmographic data, or fraud vendor integrations
- Experience collaborating with Data Science and Data Engineering teams to develop scalable risk monitoring and decisioning capabilities
- Strong communication, ownership, and judgment, with the ability to balance fraud prevention, merchant experience, consumer protection, compliance, and growth
- Experience using AI tools, automation, or workflow optimization to improve analytical or operational efficiency
- Fintech experience
- Experience supporting consumer lending products
- Experience building dashboards, automated monitoring, or operational workflows
- Experience evaluating or implementing AI-powered tools and automation solutions
Benefits
- Equity
- Benefits
Company Overview