GENERAL SUMMARY

Jr. Risk analyst will be responsible for managing appropriate investigative efforts and communication to help detect known fraud and risk trends, including high-value and suspicious transactions, and protect Simpay from losses and educate our merchant base on best practices for card acceptance.

ESSENTIAL RESPONSIBILITIES AND DUTIES

• Provide analytical feedback to sr. analyst for further review.
• Work closely with senior analysts to learn decisioning frameworks.
• Assist in analyzing a wide variety of business types in multiple credit card processing environments, both card-present and non-card-present such as mail-order or internet applicants and/or restricted merchant types where risk is higher (experience with card-not-present merchants is preferred).
• Monitor merchant deposits and ensure merchant activities are following approved limits.
• Assist with timely placement of flagged accounts on reserve to mitigate losses.
• Assist in merchant recovery efforts to recoup any losses experienced by portfolio.
• Assist team in maintaining and monitoring the portfolio to identify suspicious merchant activity and mitigate fraudulent behavior and charges.
• Validate any unusual transactions via invoice requests and/or contact the card issuing bank and cardholders.
• Monitor average ticket/volume, chargeback ratios, authorizations, and refunds.
• Communicate professionally to merchants and sales partners to discuss risk related issues.
• Answer incoming calls and email communications.
• Escalate suspicious activity to senior analyst or managers with clear summaries.

REQUIRED EDUCATION, TRAINING and/or EXPERIENCE

• 2-3 years of customer services or related experience.
• Strong computer skills with Microsoft office: Word, Excel and Power Point and the Internet.
• Solid interpersonal and communication skills.
• Experience handling sensitive information.
• Strong attention to detail and ability to spot inconsistencies.
• General knowledge of rules and regulations for the Card Schemes preferred.
• Experience with Card Schemes rules, with previous experience working dispute cases preferred.
• Merchant communication expertise including handling inquiries on due diligence investigations preferred.

REQUIRED INTERPERSONAL, PROBLEM-SOLVING / OTHER SKILLS / ABILITIES

• Thrive in a fast-paced environment.
• Passionate about customer service, internal and external.
• Positive attitude, work collaboratively, and actively involved in employee culture.
• Excellent organizational and time management skills.
• High level of integrity, energy, highly motivated, goal oriented.
• Strong ability to effectively communicate both written and oral.
• Solid analytical skills.
• Able to work effectively across various processes to ensure effective handoff procedures, practices and measurements.
• Must be tactical and able to perform in a high-stress environment.

REQUIRED DECISION MAKING AND ORGANIZATION IMPACT

This position requires the employee to be autonomous in managing his/her daily activities. Decisions that are outside the scope of work as addressed within the position of description are to be elevated to the Team Lead/ Manager.