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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 annual leave.
- 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 are essential.
- Other info: Modern office in Central London with excellent career progression opportunities.
The predicted salary is between 42000 - 58000 £ per year.
Up to £50,000 plus excellent bonus and benefits. Please note, this role is 5 days a week in the office. 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) in West End employer: Montpellier Resourcing
Contact Detail:
Montpellier Resourcing Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Merchant Risk Analyst (Fintech) in West End
✨Tip Number 1
Network like a pro! Reach out to folks in the fintech space, especially those who work in risk analysis. A casual chat can lead to insider info about job openings or even a referral.
✨Tip Number 2
Show off your skills! Prepare a portfolio of your past investigations or analyses that highlight your investigative mindset and data literacy. This will give you an edge during interviews.
✨Tip Number 3
Stay updated on industry trends. Follow fintech news and understand the latest in card schemes and risk management. This knowledge will impress interviewers and show you're genuinely interested.
✨Tip Number 4
Apply through our website! We make it easy for you to showcase your skills and experience directly to us. Plus, it shows you're keen on joining our team at StudySmarter!
We think you need these skills to ace Merchant Risk Analyst (Fintech) in West End
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 into data and uncover the 'why' behind merchant behaviour.
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. We love a good story!
Show Off Your Data Skills: Since this role requires data literacy, make sure to mention your proficiency with Excel or similar tools. If you've used data to spot trends or produce reports in the past, let us know! We’re keen on seeing how you can leverage data in your investigations.
Apply Through Our Website: We encourage you to apply through our website for a smoother application process. It’s the best way for us to receive your application directly and ensures you don’t miss out on any important updates. We can’t wait to hear from you!
How to prepare for a job interview at Montpellier Resourcing
✨Know Your Stuff
Make sure you brush up on your understanding of the card and merchant acquiring ecosystem. Familiarise yourself with terms like ISO, Payment Gateway, and Acquirer. This knowledge will not only impress but also show that you're serious about the role.
✨Show Off Your Investigative Skills
Prepare to discuss how you've tackled complex investigations in the past. Think of specific examples where you dug deep into data to uncover the 'why' behind unusual behaviours. This will demonstrate your analytical mindset and problem-solving abilities.
✨Get Comfortable with Data
Since you'll be using tools like Excel to spot trends, practice showcasing your data literacy. Bring along examples of reports or analyses you've done before. Being able to talk through your process will highlight your capability in handling the role's requirements.
✨Collaborate Like a Pro
Be ready to discuss how you've worked with different teams in the past. Highlight any experiences where you collaborated with onboarding, underwriting, or financial crime teams. This will show that you understand the importance of a joined-up approach to managing merchant risk.