Senior Payment Risk Analyst, Merchant Acquiring
Boca Raton, FL
Full Time
Mid Level
Join TouchSuite
At TouchSuite, risk management is more than identifying problems. It's about protecting our merchants, preserving financial stability, and making informed decisions that allow responsible business growth. We're looking for someone who understands merchant acquiring, takes ownership of the portfolio, and brings the judgment and practical experience needed to make a difference from day one.
Experience: 5+ years in merchant acquiring risk, underwriting, fraud prevention, or related payment risk operations
Processor Platforms: Hands-on experience with Fiserv Access One and/or TSYS CBOS required. Experience with both is strongly preferred.
Compensation: $80,000–$90,000 annual base salary, plus performance-based incentive opportunities
Work Arrangement: On-site or hybrid strongly preferred in Boca Raton, FL. Remote candidates will be considered if exceptionally well qualified.
About the Role
TouchSuite is seeking an experienced Senior Payment Risk Analyst to protect our merchant portfolio from fraud and financial loss while keeping good merchants processing without unnecessary friction.
We're looking for a merchant acquiring risk professional who can independently identify emerging risks, evaluate financial exposure, make sound decisions, and take timely action to protect our merchants, processing partners, and business.
This is a hands-on, operationally focused position. You will work directly within our processor platforms, Fiserv Access One and TSYS CBOS, monitoring merchant activity, investigating exceptions, managing financial exposure, and making defensible risk decisions.
You'll be the person our teams rely on for fast, clear, and well-supported risk assessments. We need someone who takes ownership of issues, recommends solutions, and balances protecting the portfolio with supporting responsible merchant growth.
If you thrive in a fast-paced environment, enjoy investigating complex problems, and understand the importance of balancing risk with business opportunity, this is an opportunity to make a meaningful impact.
What You'll Do
Monitor and Manage Merchant Portfolio Risk
Make Independent, Defensible Risk Decisions
Monitor Chargebacks, Financial Exposure, and Losses
Maintain Accurate Processor Records and Risk Controls
Collaborate Across the Business
What Success Looks Like
We evaluate success based on the quality, consistency, and effectiveness of the risk management process, not simply the performance of any individual merchant or a single month's loss numbers.
Successful risk management means identifying potential problems early, taking appropriate action, maintaining accurate and defensible records, and protecting the portfolio while allowing legitimate merchants to process with minimal unnecessary disruption.
The right individual consistently demonstrates sound judgment, takes ownership of issues, communicates effectively, and helps strengthen the overall quality of our risk management operations.
What We're Looking For
Required Qualifications
Preferred Qualifications
Compensation and Benefits
Work Location and Arrangement
Boca Raton, Florida
On-site or hybrid work arrangements are strongly preferred to facilitate collaboration, training, and effective coordination with the Risk and Operations teams.
Remote candidates will be considered if they possess exceptional, directly relevant merchant acquiring risk experience, particularly demonstrated proficiency with Fiserv Access One and/or TSYS CBOS and a strong record of independently managing merchant portfolio risk.
At TouchSuite, risk management is more than identifying problems. It's about protecting our merchants, preserving financial stability, and making informed decisions that allow responsible business growth. We're looking for someone who understands merchant acquiring, takes ownership of the portfolio, and brings the judgment and practical experience needed to make a difference from day one.
Experience: 5+ years in merchant acquiring risk, underwriting, fraud prevention, or related payment risk operations
Processor Platforms: Hands-on experience with Fiserv Access One and/or TSYS CBOS required. Experience with both is strongly preferred.
Compensation: $80,000–$90,000 annual base salary, plus performance-based incentive opportunities
Work Arrangement: On-site or hybrid strongly preferred in Boca Raton, FL. Remote candidates will be considered if exceptionally well qualified.
About the Role
TouchSuite is seeking an experienced Senior Payment Risk Analyst to protect our merchant portfolio from fraud and financial loss while keeping good merchants processing without unnecessary friction.
We're looking for a merchant acquiring risk professional who can independently identify emerging risks, evaluate financial exposure, make sound decisions, and take timely action to protect our merchants, processing partners, and business.
This is a hands-on, operationally focused position. You will work directly within our processor platforms, Fiserv Access One and TSYS CBOS, monitoring merchant activity, investigating exceptions, managing financial exposure, and making defensible risk decisions.
You'll be the person our teams rely on for fast, clear, and well-supported risk assessments. We need someone who takes ownership of issues, recommends solutions, and balances protecting the portfolio with supporting responsible merchant growth.
If you thrive in a fast-paced environment, enjoy investigating complex problems, and understand the importance of balancing risk with business opportunity, this is an opportunity to make a meaningful impact.
What You'll Do
Monitor and Manage Merchant Portfolio Risk
- Independently monitor and manage risk across an established merchant acquiring portfolio, identifying emerging credit exposure, unusual processing activity, and potential fraud before losses occur.
- Review daily processor exception reports, risk alerts, and merchant processing activity, prioritizing and resolving issues within established service levels.
- Identify early warning indicators, including unusual processing volume, unexpected ticket sizes, card testing, excessive refunds, suspicious transaction patterns, and activity inconsistent with approved merchant profiles.
- Investigate merchants exhibiting increased financial exposure, processing irregularities, or changing business circumstances.
- Monitor chargeback activity, processing trends, and merchant financial performance to identify accounts requiring additional review or intervention.
- Recommend and implement appropriate risk controls, including transaction holds, processing limits, maximum transaction limits (MXL), and account-level risk settings, within established authority.
- Escalate significant exposures promptly, providing clear findings and recommended actions rather than simply referring issues to others.
Make Independent, Defensible Risk Decisions
- Evaluate merchant risk using transaction history, financial information, business models, industry exposure, and other relevant indicators.
- Conduct periodic and event-driven reviews of existing high-risk merchants, reassessing their risk profiles as processing activity and business conditions change.
- Recommend or approve appropriate risk mitigation measures, including reserves, volume caps, delayed funding, and other processing restrictions, within established decision-making authority.
- Evaluate the need to establish, adjust, or release merchant reserves based on current and anticipated financial exposure.
- Support underwriting decisions for new merchant accounts when needed, including approval, conditional approval, or decline recommendations.
- Perform merchant identity, business ownership, and compliance verification using tools such as GIACT, LexisNexis, Equifax, Mastercard MATCH, and OFAC screening resources.
- Balance potential financial losses against legitimate business opportunities, recognizing that effective risk management supports responsible growth rather than simply avoiding risk.
- Document findings, decisions, supporting evidence, and required approvals in a manner that satisfies internal controls, processor requirements, and sponsor bank expectations.
Monitor Chargebacks, Financial Exposure, and Losses
- Monitor merchant chargeback volumes, ratios, and trends to identify potential financial exposure and emerging problems.
- Identify merchants approaching card-brand monitoring thresholds and recommend proactive intervention.
- Maintain working knowledge of Visa VAMP, Mastercard monitoring programs, and relevant card-brand operating rules.
- Understand and leverage chargeback mitigation and alert tools, including Ethoca, Verifi, and Rapid Dispute Resolution (RDR), where applicable.
- Collaborate with internal teams and external partners responsible for dispute processing and chargeback resolution.
- Investigate negative merchant balances, ACH returns, and outstanding financial obligations.
- Support collection and loss-recovery efforts, including merchant outreach, repayment arrangements, and appropriate escalation.
- Evaluate the potential impact of merchant closures, refunds, future chargebacks, and other contingent liabilities when determining financial exposure.
Maintain Accurate Processor Records and Risk Controls
- Work directly within Fiserv Access One and/or TSYS CBOS to investigate processing activity, review account-level settings, and manage merchant risk controls.
- Execute authorized account maintenance changes, including processing limits, risk settings, holds, and account status updates, in accordance with established approval requirements.
- Verify that processor-level changes have been implemented accurately and maintain appropriate documentation.
- Apply established risk-scoring methodologies and underwriting policies consistently across merchant accounts.
- Identify recurring risk patterns, control gaps, and opportunities to improve monitoring rules, exception reporting, and operational procedures.
- Recommend enhancements to risk policies, procedures, and internal controls based on actual portfolio experience.
Collaborate Across the Business
- Communicate directly with merchants during investigations and risk reviews, maintaining a professional, service-oriented approach.
- Partner with Sales, Underwriting, Onboarding, Operations, Customer Support, and Compliance to resolve risk issues promptly.
- Explain risk decisions clearly and confidently, particularly when balancing merchant needs against financial exposure.
- Coordinate with processor and sponsor bank representatives when additional information, approvals, or escalation is required.
- Share emerging fraud trends, risk indicators, and operational findings with relevant stakeholders.
- Contribute to a culture of accountability, sound judgment, continuous improvement, and responsible merchant growth.
What Success Looks Like
We evaluate success based on the quality, consistency, and effectiveness of the risk management process, not simply the performance of any individual merchant or a single month's loss numbers.
Successful risk management means identifying potential problems early, taking appropriate action, maintaining accurate and defensible records, and protecting the portfolio while allowing legitimate merchants to process with minimal unnecessary disruption.
The right individual consistently demonstrates sound judgment, takes ownership of issues, communicates effectively, and helps strengthen the overall quality of our risk management operations.
What We're Looking For
Required Qualifications
- 5+ years of relevant experience in merchant risk management, merchant underwriting, fraud prevention, or payment risk operations within an ISO, payment processor, acquiring bank, or payment facilitator environment.
- Demonstrated experience with ongoing merchant portfolio monitoring and post-boarding risk management, including investigating exceptions, identifying emerging exposure, and recommending or implementing corrective action.
- Hands-on experience using Fiserv Access One and/or TSYS CBOS to investigate merchant processing activity, review risk reports, manage account-level risk settings, and support merchant risk decisions.
- Proven ability to independently evaluate merchant financial exposure and make or recommend defensible risk decisions within established authority.
- Working knowledge of merchant reserves, transaction holds, processing limits, delayed funding, and other financial risk mitigation measures.
- Experience identifying fraud patterns, unusual merchant processing activity, credit exposure, and operational risk indicators.
- Familiarity with card-brand rules, chargeback monitoring, ACH returns, NACHA requirements, and merchant KYC/KYB procedures.
- Exposure to Visa VAMP, Mastercard monitoring programs, and chargeback mitigation tools such as Ethoca, Verifi, or RDR.
- Ability to apply established risk-scoring methodologies, interpret risk indicators, and recommend improvements to monitoring rules and underwriting policies.
- Strong analytical, investigative, documentation, and problem-solving skills.
- Excellent written and verbal communication skills, with the ability to explain risk decisions to merchants, internal stakeholders, and management.
- A proactive, accountable, and service-oriented approach, with the ability to manage competing priorities in a fast-paced environment.
Preferred Qualifications
- Direct experience working with both Fiserv Access One and TSYS CBOS, particularly in merchant portfolio monitoring and risk operations.
- Experience managing risk within high-risk or complex merchant portfolios.
- Familiarity with merchant cash advances, split funding, merchant reserve structures, and related financial exposure considerations.
- Experience working with sponsor banks, acquiring partners, or processor risk teams.
- Understanding of card-brand monitoring programs, MATCH reporting, and merchant termination considerations.
- Experience with risk reporting, data analysis, dashboard development, or process automation using Excel, SQL, Power BI, or comparable tools.
- Demonstrated experience improving fraud detection rules, exception reporting, risk controls, or operational processes.
- Experience identifying the underlying cause of merchant losses and recommending preventive actions.
Compensation and Benefits
- Annual base salary: $80,000–$90,000, depending on qualifications and experience
- Performance-based incentive opportunities
- Comprehensive benefits package
- 401(k) with company matching
- Career development and professional growth opportunities
- Collaborative, team-oriented culture that values accountability, innovation, urgency, and excellence
Work Location and Arrangement
Boca Raton, Florida
On-site or hybrid work arrangements are strongly preferred to facilitate collaboration, training, and effective coordination with the Risk and Operations teams.
Remote candidates will be considered if they possess exceptional, directly relevant merchant acquiring risk experience, particularly demonstrated proficiency with Fiserv Access One and/or TSYS CBOS and a strong record of independently managing merchant portfolio risk.
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