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- Tasks: Investigate merchant behaviour and assess risks to keep the business ahead of fraud.
- Company: Leading UK-based FinTech EMI with a focus on card issuing and acquiring.
- Benefits: Up to £50,000 salary, private healthcare, pension plan, and 30 days holiday.
- Other info: Modern office in Central London with excellent career progression opportunities.
- Why this job: Join a dynamic team and shape the risk culture in a growing business.
- Qualifications: Experience in card acquiring and strong analytical skills required.
The predicted salary is between 36000 - 60000 £ per year.
Due to exciting business growth, we are recruiting on behalf of a leading UK-based FinTech EMI that specializes in card issuing and acquiring. As they scale their merchant portfolio, they are looking for a sharp, analytically-minded Risk Analyst to join their First Line of Defence team. This position is deeply rooted in Merchant Monitoring and Investigations. You will be the "boots on the ground," investigating unusual merchant behaviour, assessing portfolio health, and ensuring the business stays ahead of fraud and chargeback risks.
Key Responsibilities:
- Deep-Dive Investigations: Conduct end-to-end investigations into merchant activity, looking beyond the surface of transaction alerts to identify underlying risks or shifts in business models.
- Merchant Lifecycle Monitoring: Perform ongoing reviews of the active merchant book, ensuring processing trends, refund levels, and settlement patterns remain within risk appetite.
- Portfolio Surveillance: Monitor for "red flags" such as high chargeback ratios or suspicious spikes in volume, ensuring the business remains compliant with Visa, Mastercard, and UnionPay scheme rules.
- Risk Re-grading: Use your findings to recommend changes to merchant risk ratings, processing caps, or settlement delays.
- Stakeholder Collaboration: Work closely with Onboarding, Underwriting, and Financial Crime teams to ensure a joined-up view of merchant risk.
Requirements:
- Acquiring Experience is Essential: You must have a solid understanding of the card and merchant acquiring ecosystem. You should know the difference between an ISO, a Payment Gateway, and an Acquirer.
- Investigative Mindset: You aren’t just looking to "close alerts"; you enjoy digging into data to find the "why" behind a merchant's behaviour.
- Scheme Knowledge: A working understanding of card scheme monitoring programmes (e.g., Visa’s VDMP/VFMP or Mastercard’s EFM/ECM) is highly advantageous.
- First Line Mentality: You understand that 1st Line risk is about balancing commercial growth with rigorous control execution.
- Data Literate: Comfortable using Excel or similar tools to spot trends and produce actionable reports.
Why Join? This role offers a significant platform for progression, providing exposure to executive leadership and the opportunity to shape the risk culture of a scaling business.
Location: Central London (Modern office facilities).
Holidays: 30 days of annual leave plus bank holidays.
Benefits: Private healthcare, company pension plan, and support for professional certifications (e.g., ICA, ACAMS).
Merchant Risk Analyst (Fintech) employer: Montpellier Resourcing
Contact Detail:
Montpellier Resourcing Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Merchant Risk Analyst (Fintech)
✨Tip Number 1
Network like a pro! Reach out to people in the fintech space, especially those who work in risk analysis. A friendly chat can lead to insider info about job openings or even a referral.
✨Tip Number 2
Prepare for interviews by diving deep into the company’s recent activities and challenges. Show them you’re not just another candidate; you’re someone who understands their business and can contribute to their growth.
✨Tip Number 3
Don’t underestimate the power of follow-ups! After an interview, drop a quick thank-you email. It keeps you on their radar and shows your enthusiasm for the role.
✨Tip Number 4
Apply through our website! We’ve got loads of opportunities that might not be listed elsewhere. Plus, it’s a great way to show you’re genuinely interested in joining our team.
We think you need these skills to ace Merchant Risk Analyst (Fintech)
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Merchant Risk Analyst role. Highlight your experience in card and merchant acquiring, and don’t forget to showcase your investigative mindset. We want to see how you can dig deep into data!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about risk analysis in the fintech space. Share specific examples of your past experiences that align with the responsibilities listed in the job description.
Showcase Your Data Skills: Since data literacy is key for this role, make sure to mention any tools you’ve used, like Excel, to analyse trends. We love seeing how you’ve turned data into actionable insights in your previous roles!
Apply Through Our Website: Don’t forget to apply through our website! It’s the best way for us to receive your application and ensures you’re considered for this exciting opportunity. We can’t wait to see what you bring to the table!
How to prepare for a job interview at Montpellier Resourcing
✨Know Your Stuff
Make sure you brush up on your knowledge of the card and merchant acquiring ecosystem. Understand the roles of ISOs, Payment Gateways, and Acquirers inside out. This will not only help you answer questions confidently but also show that you're genuinely interested in the field.
✨Show Off Your Investigative Skills
Prepare to discuss your approach to deep-dive investigations. Think of examples where you've successfully identified underlying risks or unusual behaviours. Be ready to explain how you dig into data to find the 'why' behind a merchant's actions—this is key for the role!
✨Familiarise Yourself with Scheme Knowledge
Get a good grasp of card scheme monitoring programmes like Visa’s VDMP/VFMP or Mastercard’s EFM/ECM. If you can reference these during your interview, it’ll demonstrate your expertise and readiness to tackle the challenges of the role.
✨Collaborate Like a Pro
Think about how you would work with other teams like Onboarding, Underwriting, and Financial Crime. Prepare examples of how you've collaborated in the past to ensure a comprehensive view of risk. This shows that you understand the importance of teamwork in managing merchant risk.