Senior Merchant Risk Analyst, Monitoring

About Payoneer

Founded in 2005, Payoneer is the global financial platform that removes friction from doing business across borders, with a mission to connect the world’s underserved businesses to a rising global economy. We’re a community with over 2,500 colleagues all over the world, working to serve customers, and partners in over 190 countries and territories.

By taking the complexity out of the financial workflows–including everything from global payments and compliance to multi-currency and workforce management, to providing working capital and business intelligence–we give businesses the tools they need to work efficiently worldwide and grow with confidence.

Role summary

We are seeking a detail-oriented Merchant Risk Monitoring Analyst to join our Checkout Risk team. This role is responsible for monitoring, analyzing, and mitigating risks associated with merchant portfolios in our payment processing ecosystem. The successful candidate will play a crucial role in protecting the organization from financial losses while ensuring compliance with regulatory requirements and card scheme rules.

Location: Shanghai

On-site

Full-time

What you’ll do

Risk Monitoring & Analysis

1. Monitor merchant transaction patterns and behaviors to identify potential risks, fraud, or suspicious activities
2. Analyze merchant performance metrics, chargeback ratios, and transaction velocity to assess risk levels
3. Conduct regular portfolio reviews and risk assessments for existing merchant accounts
4. Investigate and respond to alerts generated by automated risk monitoring systems
5. Ensure adherence to card scheme regulations (Visa, Mastercard, American Express, Discover)
6. Collaborate with fraud prevention teams on merchant-related investigations
7. Stay current with industry regulations and best practices in merchant acquiring
8. Maintain documentation and audit trails for all risk decisions
9. Prepare detailed risk analysis reports and recommendations for management review
10. Work closely with Sales, Customer Care and other internal teams.
11. Recommend changes to ensure accuracy and efficiency of Onboarding processes

Merchant Account Management

1. Conduct enhanced due diligence on high-risk merchant categories and geographies
2. Coordinate with underwriting teams to establish appropriate risk controls and limits
3. Manage merchant account holds, suspensions, and terminations based on risk assessments

Chargeback & Dispute Management

1. Monitor and analyze chargeback trends and merchant dispute ratios
2. Investigate excessive chargeback scenarios and implement corrective actions
3. Work with merchants to develop chargeback mitigation strategies
4. Track and report on chargeback monitoring program effectiveness

Who you are

Education & Experience

1. Bachelor’s degree in finance, Business, Economics, Risk Management or related field
2. Minimum 5+ years of experience in risk management, fraud prevention, or financial services
3. Experience in merchant acquiring risk, payment processing, or e-commerce preferred
4. Knowledge of card scheme regulations and compliance requirements

Technical Skills

1. Proficiency in risk monitoring tools and transaction analysis software
2. Advanced Excel skills for data analysis and reporting
3. Experience with SQL or other database query languages preferred
4. Familiarity with fraud detection systems and case management tools
5. Understanding of payment processing flows and merchant acquiring operations

Core Competencies

1. Strong analytical and problem-solving abilities
2. Excellent attention to detail and accuracy
3. Ability to work independently and manage multiple priorities
4. Excellent English – both verbal and written.
5. Excellent Mandarin and Cantonese – both verbal and written.
6. Understanding of financial crimes and fraud typologies
7. Understanding of various business models and industry risk factors
8. Knowledge of fraud typologies and risk indicators
9. Understanding of card scheme rules and regulations
10. Experience with specific merchant categories (e-commerce, retail, high-risk industries)
11. Experience with automated underwriting systems and risk scoring models

#Onsite

#LI-AL1

The Payoneer Ways of Working 

Act as our customer’s partner on the inside
Learning what they need and creating what will help them go further. 

Do it. Own it.
Being fearlessly accountable in everything we do. 

Continuously improve
Always striving for a higher standard than our last. 

Build each other up 
Helping each other grow, as professionals and people. 

If this sounds like a business, a community, and a mission you want to be part of, apply today.

We are committed to providing a diverse and inclusive workplace. Payoneer is an equal opportunity employer, and all qualified applicants will receive consideration for employment no matter your race, color, ancestry, religion, sex, sexual orientation, gender identity, national origin, age, disability status, protected veteran status, or any other characteristic protected by law. If you require reasonable accommodation at any stage of the hiring process, please speak to the recruiter managing the role for any adjustments. Decisions about requests for reasonable accommodation are made on a case-by-case basis.