Risk Analyst

About Simpay AtSimpay , our mission is simple: help business owners save time and money. We do that by delivering powerful, easy-to-use solutionsincluding payment processing, payroll, and business servicesbacked by exceptional in-house support. As we continue to grow, were looking for aRisk Analystto help protect our portfolio, support our merchants, and strengthen our risk strategy. About the Role As a Risk Analyst, youll play a key role in safeguarding Simpays merchant portfolio. Youll monitor transactions, detect fraud trends, and make real-time decisions that directly impact the business. This is a fast-paced, high-impact role where your analytical thinking and judgment will be critical to minimizing risk and supporting sustainable growth. What Youll Do Analyze merchant activity and assess risk across our portfolio Perform re-underwriting reviews for accounts with increased financial exposure Monitor transaction trends, including volume, chargebacks, refunds, and suspicious behavior Make real-time funding decisions and document risk rationale Investigate unusual or high-risk transactions and validate activity when needed Place accounts on reserve and take action to mitigate potential losses Partner with internal teams (Underwriting, Sales, Support) to provide risk insights Communicate directly with merchants regarding account status, restrictions, and risk decisions Assist in recovery efforts and manage accounts that violate agreements Stay ahead of fraud trends and proactively identify emerging risks What Were Looking For 23 years of experience in risk analysis, fraud detection, or payments/financial services Experience with card-not-present (eCommerce, MOTO) environments preferred Strong understanding of chargebacks, disputes, and card network rules Familiarity with merchant underwriting and onboarding processes Experience withFiserv (First Data)is a strong plus Solid analytical skills with the ability to interpret financial and transaction data Proficiency in Microsoft Office (especially Excel) What Makes You a Great Fit You thrive in a fast-paced, high-pressure environment Youre highly analytical but also comfortable making real-time decisions You communicate clearly and confidentlyboth internally and with merchants Youre detail-oriented, organized, and accountable You bring a positive, team-first attitude and strong sense of integrity Compensation $21.50 per hour , with flexibility based on experience Why Join Simpay? Be part of a growing fintech company with real momentum Work in a collaborative, high-energy environment Gain exposure to multiple areas of the business Make a direct impact on company performance and risk strategy Work Schedule Standard hours are MondayFriday, 9:00 AM 6:00 PM, with flexibility around weekends and holidays as business needs evolve.