Associate Risk Analyst, Merchant Acquiring

  • Company: Visa
  • Posted: April 15, 2017
  • Reference ID: 108368427
Company Description

Imagine your first day at CyberSource... You learn an Internet 100 Company called, wanting to enter a new market-next week. You're energized by your co-workers' expertise and contagious thirst for innovation. A smile slowly forms on your lips. You realize you're at the vortex of ecommerce. You're now part of a mission-critical company that is changing an entire industry-the world's first ePayment Management company, CyberSource.

Top brands and over 200,000 smaller businesses use CyberSource services to process e-payments in 190+ countries, manage payment fraud and mitigate security risk. Today, about 1 out of every 4 dollars transacted online in the U.S. is managed by CyberSource, as well as a growing global share. CyberSource combines the spirit of a start-up, with the security of a profitable, rapidly growing public company of 500 people having a mix of technology and financial services backgrounds.

Job Description
The Risk Analyst will be an integral part of our growing Merchant Acquiring and ACH
lines of business and will be responsible for monitoring our Merchant Acquiring
and ACH customer portfolio to mitigate our risk exposure.
Specific Responsibilities will include
  • Monitor daily, monthly and quarterly sales and chargeback volumes
    to identify any trends or issues.

  • Communicate with merchants regarding exception activity and
    request additional information as necessary, contact card issuing banks
    and/or cardholders regarding merchant exception activity.

  • Review exception batches for suspicious activity, investigating
    potential fraudulent merchant activity.

  • Conduct merchant transaction, volume and chargeback activity
    review and analysis.

  • Recommend funding holds/releases and report and investigate any
    potential losses as appropriate.

  • Monitor open collection reporting and correspond with merchants in
    open collection.

  • Perform periodic reviews of merchant accounts, obtain and review
    current financial/credit reports as required.

  • Review public and non-public personal information reports and
    business credit reports.

  • Conduct ongoing reviews of approved merchant's websites including
    detection of inconsistencies and adjustments made to website after

  • Provide education to merchants on proper card acceptance and
    chargeback prevention, work with merchants to develop and institute
    chargeback reduction plans.

  • Ability to complete loss exposure analysis for transacting


  • Minimum of 4 years of Fraud Investigation and/or Risk Analyst

  • Demonstrate advanced ability to perform day to day fraud
    investigation and risk activities as assigned for the company's acquiring
    and ACH portfolio.

  • In depth understanding of financial statements and credit reports
    and be able to provide detailed financial analysis and understanding of
    risk exposure.

  • Advanced knowledge of the Visa/MasterCard and NACHA

  • Possess the ability to de-escalate difficult situations.

  • Demonstrate a strong understanding of fraud, chargebacks, reason
    codes and other payment-related procedures.

  • Ability to educate the merchant base on fraud prevention best

  • Ability to communicate with customer service, underwriting, sales
    representatives and other internal departments as needed.

  • Demonstrate advanced knowledge of risk exposure and potential risk

  • Ability to work with team members by assisting in day to day
    department discussions.

  • Ability to resolve complex problems with minimal guidance.

  • Excellent writing, interpersonal and communication skills.

  • Ability to excel in a fast-paced environment with multiple

  • Advanced knowledge of Windows/PC including Excel and Word.

  • Ability to work with Enterprise level accounts with over $6MM
    processing level

  • Ability to communicate with internal and external management in
    all levels and in all aspects of acquiring.

Additional Information
All your information will be kept confidential according to EEO guidelines.

Share this Job