[Remote] Merchant Specialty Risk Analyst

Note: The job is a remote job and is open to candidates in USA. Merrick Bank is an FDIC®-insured financial institution headquartered in South Jordan, Utah, specializing in credit cards and merchant services. The Merchant Specialty Risk Analyst will oversee the Specialty Risk and Service Provider Sponsorship Program, focusing on monitoring merchant portfolios for fraud and operational risks while developing risk mitigation strategies.

Responsibilities

• Responsible for daily, weekly, monthly and quarterly monitoring activities supporting Service Provider Sponsorship Program Oversight and Specialty Risk initiatives
• Support the oversight and ongoing monitoring of high risk and specialty merchant verticals to ensure adherence with Merrick Bank policies, card brand requirements, and program controls
• Assist in developing risk mitigation strategies and recommending controls designed to reduce portfolio exposure
• Work closely with Risk, Underwriting, Compliance, Operations, and partner teams to assess account activity, communicate findings, and facilitate resolutions
• Establish and maintain relationships with assigned partners and internal stakeholders supporting Specialty Risk programs
• Provide ongoing guidance regarding risk mitigation strategies, onboarding requirements, and monitoring expectations for specialty merchant categories
• Perform reviews and investigations related to unusual activity, MCC alignment, policy adherence, and other identified risk indicators
• Maintain weekly risk tracking logs, supporting documentation, and audit evidence
• Support ongoing portfolio reviews, escalations, and strategic Specialty Risk initiatives as needed
• Assist with ad hoc projects and strategic initiatives assigned by management
• Ability to work flexible hours and days, as deemed necessary by management
• Responsible for complying with all of the Bank’s internal control policies and procedures
• Responsible for understanding and complying with all laws and regulations to which the Bank is subject
• Responsible for communicating problems in operations, noncompliance with the code of conduct, noncompliance with laws and regulations, policy violations, or illegal acts

Skills

• College degree (Accounting, Finance, Business, etc.) is required, four (4) years relevant experience accepted in lieu of education requirement
• Two (2) years' experience is required
• Attention to detail, strong investigative and analytical skills, and exceptional communication skills
• Able to demonstrate sound work ethics
• Experience communicating verbally and in writing in a business environment
• Able to demonstrate good common sense and sound judgment
• Able to make real-time decisions
• Able to work independently, but also comfortable collaborating with others
• Strong investigative and analytical skills
• Prior credit card processing, investigative, or lending experience a plus

Benefits

• Competitive Pay, including a Bonus Target or Variable Pay Incentive Program
• Benefits Package -Medical, Dental, and Vision (plus much more)
• 401(k) Plan with Company Match
• Short- & Long-Term Disability
• Wellness Programs
• Group Life and AD&D Insurance
• Paid Vacation, Sick Days and bank Holidays
• Employee Engagement Activities including Employee Appreciation Day, DEI Employee Resource Groups, Corporate Social Responsibility, Service Recognition

Company Overview

Company H1B Sponsorship