Associate Risk Analyst

Visa, Lehi UT, US

Everywhere you want to be

Position Description

The Risk Analyst will be an integral part of our growing Bundled Acquiring Group and will be primarily responsible for monitoring for fraud across the Authorize.Net platform. The Risk Analyst will also have responsibility for monitoring our Merchant Acquiring and ACH customer portfolio to mitigate risk exposure.


Specific Responsibilities will include

  • Detect, investigate, and mitigate irregular patterns in transaction activity identified as suspected fraud or typologies of higher risk merchants
  • Develop internal reporting and external reporting for multiple partners to demonstrate impact of process improvements and averted losses
  • Communicate with merchants regarding exception activity and request additional information as necessary, contact card issuing banks and/or cardholders regarding merchant exception activity
  • Conduct merchant transaction, volume and chargeback activity review and analysis
  • Recommend funding holds/releases and report and investigate any potential losses as appropriate
  • Provide education to merchants on proper card acceptance and fraud prevention best practices
  • Investigate potential merchant transaction laundering and BRAM violations
  • Actively work with merchants and internal account managers to assist merchants in reducing overall fraud and chargeback levels
  • Liaison with sponsor banks for investigations and chargeback program management


  • Minimum of 2 to 5 years experience in Fraud Detection and Investigation and/or Risk Analyst experience. Previous experience with merchant acquiring or credit card processing is a must.
  • Bachelor's Degree preferred.
  • Demonstrate advanced ability to perform day-to-day fraud investigation and risk activities as assigned for the company’s merchant acquiring and ACH portfolio
  • Strong understanding of financial statements and credit reports and ability to provide detailed financial analysis and understanding of risk exposure
  • Advanced knowledge of the Visa/MasterCard and NACHA rules/regulations.
  • Possess the ability to de-escalate and work through difficult situations
  • Demonstrate a strong understanding of fraud, chargebacks, reason codes and other payment-related procedures
  • Ability to educate the merchant base on fraud and chargeback prevention best practices
  • Provide training and presentations to customer service, underwriting, sales representatives and other internal departments as needed
  • Ability to work with team members by assisting in and leading day-to-day department discussions
  • Ability to resolve complex problems with minimal guidance
  • Excellent writing, interpersonal, and communication skills
  • Ability to excel in a fast-paced environment with multiple priorities
  • Proficient in Microsoft Excel, PowerPoint, and Word
  • Ability to communicate with internal and external management in all levels and in all aspects of acquiring



  • Competitive hourly wage along with possible annual bonus and an annual review of compensation

  • Paid training

  • Shifts from 8AM to 5PM, Mon through Fri

  • Medical, Dental and Vision insurance, with no waiting period

  • 401(k) with a company match (You put in $1.00, we put in $2.00)- Always fully vested

  • Generous paid time off (21 days for years 1-5, and increases after that)

  • 10 paid holidays per year

  • Education Assistance, Adoption Assistance, and Commuter Assistance available

  • Rewarding environment with opportunity for advancement



“Visa will consider for employment qualified applicants with criminal histories in a manner consistent with the requirements of Article 49 of the San Francisco Police Code.”

About Visa

Visa Inc. (NYSE: V) is the world’s leader in digital payments. Our mission is to connect the world through the most innovative, reliable and secure payment network - enabling individuals, businesses and economies to thrive. Our advanced global processing network, VisaNet, provides secure and reliable payments around the world, and is capable of handling more than 65,000 transaction messages a second. The company’s relentless focus on innovation is a catalyst for the rapid growth of connected commerce on any device, and a driving force behind the dream of a cashless future for everyone, everywhere. As the world moves from analog to digital, Visa is applying our brand, products, people, network and scale to reshape the future of commerce.

Want to learn more about Visa? Visit Visa's website.