Payments Risk Analyst

Westlake, OH - USA

Monthly Salary: Not Disclosed

Posted on: Yesterday

Vacancies: 1 Vacancy

Job Summary

Role Overview

At Certegy we enable secure efficient payment acceptance by combining traditional and real-time risk controls across check ACH and emerging payment rails. Our clients range in size from locally owned small businesses to the largest retailers in America many of which have relied on us for over fifty years to provide check verification and warranty services.

We are seeking a Payments Risk Analyst to help maintain our expertise in the industry. This role will be responsible for the fraud and risk monitoring of multiple clients balancing loss mitigation strategies while meeting customer SLAs in a high-volume real-time payments environment. This role requires close collaboration with finance data science and product teams along with the ability to clearly communicate risk insights and performance metrics to both technical and non-technical stakeholders.

Key Responsibilities

Analyze transactional data for fraud returns and loss trends using exploratory data analysis techniques to identify emerging risks and systemic vulnerabilities.
Forecast client risk performance and proactively recommend control adjustments based on transactional trends.
Collaborate with data science teams to translate data trends and other investigative findings into model enhancements for real-time decisioning strategies.
Design implement and maintain risk controls to balance loss reduction with transactional acceptance rates and customer experience.
Support incident response and escalation for significant fraud events by performing root cause analysis and coordinating with internal teams to mitigate impact.
Evaluate strategy performance by tracking key metrics such as fraud loss rates acceptance rates and client-specific risk thresholds.
Document risk strategies findings and outcomes to support operational consistency audit readiness and continuous improvement.
Partner directly with clients to review fraud trends explain risk tradeoffs and recommend best practices tailored to their business models.
Develop and maintain executive-level dashboards to communicate performance trends and risk exposure to internal leadership and external partners.

Skills & Qualifications

Strong analytical and problem-solving skills with the ability to identify patterns in large-scale transactional data.
Advanced proficiency in Microsoft Excel and working knowledge of data visualization tools (Oracle Analytics Cloud Power BI Tableau or similar).
Experience applying statistical analysis techniques to fraud detection loss analysis and risk optimization.
Excellent written and verbal communication skills with demonstrated ability to present complex risk concepts to clients senior leadership and cross-functional partners.
Ability to work independently while managing multiple client risk portfolios in a fast-paced real-time environment.
Payments industry experience in ACH real-time payments (RTP/FedNow) BNPL checks or alternative payment methods strongly preferred.
Bachelors degree in Mathematics Statistics Finance Economics or a related quantitative field.
23 years of experience in payments risk fraud analytics or financial analysis.

Work Environment

Onsite Westlake Texas or Clearwater Florida
U.S. work authorization required (no visa sponsorship available)

Required Experience:

Role OverviewAt Certegy we enable secure efficient payment acceptance by combining traditional and real-time risk controls across check ACH and emerging payment rails. Our clients range in size from locally owned small businesses to the largest retailers in America many of which have relied on us fo...