Credit Risk Analyst

Job description

**Calling all innovators – find your future at Fiserv.**

We’re Fiserv, a global leader in Fintech and payments, and we move money and information in a way that moves the world.

We connect financial institutions, corporations, merchants, and consumers to one another millions of times a day – quickly, reliably, and securely.

Any time you swipe your credit card, pay through a mobile app, or withdraw money from the bank, we’re involved.

If you want to make an impact on a global scale, come make a difference at Fiserv.

**Job Title**

Credit Risk Analyst

**About your role:**
You will join a dedicated risk team at Fiserv that evaluates merchant accounts to manage fraud and credit exposure for payment solutions.

The team focuses on timely risk decisions, effective mitigation, and maintaining trusted client relationships to protect revenue and reputation.

This role supports operational risk processes and contributes to special projects that strengthen controls and reporting.

**What you’ll do:**

+ Review and investigate merchant accounts to assess fraud indicators, creditworthiness, and ongoing risk exposure.
+ Perform underwriting, negotiate collateral requirements, and recommend restructuring terms when appropriate.
+ Resolve merchant inquiries via scheduled calls and document investigation outcomes in case-management systems.
+ Coordinate risk mitigation activities with Funding, Legal, Operations, and Client Services to protect cash flow and limit losses.
+ Calculate discounts, interest, commissions, proportions, and percentages to support credit decisions and reporting.
+ Complete special projects and prepare risk analyses and summaries for stakeholders.
+ Exercise discretion and independent judgment in making decisions.
+ Responsibilities listed are not intended to be all-inclusive and may be modified as necessary.

**Experience you’ll need to have:**

+ 2+ years of experience in merchant credit risk assessment and fraud investigation, including chargeback and dispute resolution processes.
+ 1+ years of experience with payments security and compliance standards such as PCI DSS and NACHA/ACH rules.
+ 2+ years of experience with advanced Excel (pivot tables, VBA/macros) and data visualization tools (Tableau or Power BI).
+ 1+ years of experience with risk decisioning systems, scorecards, and case-management platforms (e.g., Salesforce Service Cloud, ServiceNow).
+ 1+ years of experience with payment processing platforms and operational funding workflows (merchant acquiring systems, gateway integrations).
+ 3+ years of equivalent combination of educational background, related experience, and/or military experience.

**Experience that would be great to have:**

+ Associate or bachelor’s degree in finance, accounting, criminal justice, or related field.
+ Certified Fraud Examiner (CFE) or CAMS (Certified Anti-Money Laundering Specialist).
+ Experience using Python or SAS for data analysis and risk modeling.
+ Direct experience with merchant onboarding, underwriting policy development, or underwriting scorecards.
+ Proven ability managing cross-functional stakeholders and negotiating with merchants or partners.

**How you’ll work:**

+ This role is on-site Monday through Friday.

Fiserv considers in-person collaboration to be an essential part of this role as in-person office experiences help you with your overall onboarding experience and leads to stronger productivity.
+ This role requires the use of a computer and audio equipment.
+ You will work an assigned schedule of 8:30-5:30pm.

**Sponsorship:**

+ You must currently possess valid and unrestricted U.S. work authorization to be considered for this role.

Individuals with temporary visas including, but not limited to, F-1 (OPT, CPT, STEM), H-1B, H-2, or TN, or any candidate requiring sponsorship, now or in the future, will not be considered for this role.

**Benefits at Fiserv:**

+ Fuel Your Life program to support physical, financial, social, and emotional well-being
+ Paid holidays and generous time away policies
+ No-cost mental health support through Employee Assistance Programs
+ Living Proof program to recognize your peers’ extra effort with points used for rewards
+ Eight Employee Resource Groups to foster a collaborative culture
+ Unparalleled professional growth with training, development, and internal mobility opportunities
+ Retirement planning and discounted shares with the Employee Stock Purchase Plan
+ Medical, dental, vision, life, and disability insurance options available day one
+ Tuition assistance and reimbursement program
+ Paid parental, caregiver, and military leave

#LI-SS1

This role is not eligible to be performed in Colorado, California, District of Columbia, Hawaii, Illinois, Maryland, Minnesota, New Jersey, New York, Nevada, Rhode Island or Washington.

It is unlawful to discriminate against a prospective employee due to the individual's status as a veteran.

_Please note that salary ranges provided for this role on external job boards are salary estimates made by outside parties and may not be accurate._

Thank you for considering employment with Fiserv.

Please:

+ Apply using your legal name
+ Complete the step-by-step profile and attach your resume (either is acceptable, both are preferable).

**Our commitment to Equal Opportunity:**

Fiserv is proud to be an Equal Opportunity Employer.

All qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, gender, gender identity, sexual orientation, age, disability, protected veteran status, or any other category protected by law.

If you have a disability and require a reasonable accommodation in completing a job application or otherwise participating in the overall hiring process, please contact AskHR.US@fiserv.com .

Please note our AskHR representatives do not have visibility to your application status.

Current associates who require a workplace accommodation should refer to Fiserv’s Disability Accommodation Policy for additional information.

**Note to agencies:**

Fiserv does not accept resume submissions from agencies outside of existing agreements.

Please do not send resumes to Fiserv associates.

Fiserv is not responsible for any fees associated with unsolicited resume submissions.

**Warning about fake job posts:**

Please be aware of fraudulent job postings that are not affiliated with Fiserv.

Fraudulent job postings may be used by cyber criminals to target your personally identifiable information and/or to steal money or financial information.

Any communications from a Fiserv representative will come from a legitimate Fiserv email address.

Required Skill Profession

Other General