Credit Risk Analyst

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 the Payments Risk team at Fiserv, protecting the firm and our clients from fraud and credit losses by investigating suspicious merchant processing activity and negotiating remediation. The role supports merchant underwriting and portfolio protection through financial analysis, collateral negotiation, and cross-functional coordination with Legal, Funding, Operations, and Client Services.

What You'll Do

• Make real-time decisions to identify situations requiring deeper investigation and recognize emerging fraud trends.
• Coordinate risk mitigation and fraud remediation efforts across departments including Funding, Legal, Operations, and Client Services.
• Communicate regularly with internal and external partners to present high-risk activities with recommended actions.
• Review numerous accounts in a fast-paced environment to identify potentially high-risk/suspicious merchant processing activities.
• Review and investigate merchant accounts to assess fraud and credit risk exposure.
• Negotiate collateral requirements, resolve merchant inquiries, and complete special projects related to portfolio risk.
• Interpret financial statements and personal credit profiles to assess creditworthiness and calculate exposure (discounts, interest, commissions, proportions, percentages).
• 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 payments risk and fraud investigations, including merchant acquiring, chargeback workflows, and merchant underwriting.
• 1+ years of experience with fraud and case management platforms and analytics tools (e.g., NICE Actimize, SAS Fraud, FICO, ACI, Verifi).
• 1+ years of experience interpreting financial statements and performing financial ratio and cash-flow analysis.
• 1+ years of experience with card network rules and payments standards (e.g., Mastercard/Visa association rules, NACHA, PCI DSS).
• 3+ years of equivalent combination of educational background, related experience, and/or military experience.

Experience That Would Be Great To Have

• Bachelor's degree in Business, Finance, Accounting, Criminal Justice, Pre-Law, or related field.
• 1+ year of prior credit risk or payments risk experience focused on merchant portfolios.
• Familiarity with chargeback representment and dispute resolution workflows.
• Experience managing cross-functional stakeholder communication and presenting risk findings to senior leaders.
• Prior exposure to case automation, rule-tuning, or machine-learning models for fraud detection.

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 8:00-5:00pm.

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

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 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.