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

What does a successful Credit Risk Analyst do?

At Fiserv, a successful Credit Risk Analyst works to identify, mitigate, and eliminate fraud and credit losses by conducting thorough investigations into potentially high-risk/suspicious merchant processing activities. This role is integral to protecting our firm and our clients from financial loss through diligent risk assessment and effective communication with internal and external partners. You will also be responsible for negotiating collateral requirements, resolving merchant inquiries, completing special projects, interpreting financial documents, reading and interpreting personal credit profiles, calculating figures and amounts such as discounts, interest, commissions, proportions, and percentages, and exercising discretion and independent judgment.

What you will 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.

What you will need to have:

• 2+ years of experience in customer service or 1+ year of experience in fraud and risk analysis.
• 2-year degree in a related field and/or equivalent military experience.
• Proficiency in using programs such as Excel and Word.
• Ability to multitask and manage deadlines.
• Detail-oriented and organized.

What would be great to have:

• Bachelor’s degree in Business, Finance, Accounting, Criminal Justice, Pre-Law, or a related field.
• 1+ year of prior credit risk experience.
• Familiarity with MasterCard and Visa Association rules and regulations.
• Strong analytical, quantitative, and problem-solving skills.
• Customer service experience with a track record of dealing with adverse situations.

Perks at Work:

• We’re #FiservProud of our commitment to your overall well-being with a growing offering of physical, mental, emotional, and financial benefits from day one.
• Maintain a healthy work-life balance with paid holidays, generous time off policies, including Recharge & Refuel time for qualifying associates, and free counseling through our EAP.
• Plan for your future with competitive salaries, the Fiserv 401(k) Savings Plan, and our Employee Stock Purchase Plan.
• Recognize and be recognized by colleagues with our Living Proof program where you can exchange points for a variety of rewards.
• Prioritize your health with a variety of medical, dental, vision, life and disability insurance options and a range of well-being resources through our Fuel Your Life program.
• Advance your career with training, development, certification, and internal mobility opportunities.
• Join Employee Resource Groups that promote our diverse and inclusive culture where associates can share perspectives, exchange ideas, and elevate careers.

Important information about this role:

• 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 lead to stronger productivity.
• In order to be considered, you must be legally authorized to work in the U.S. without need for sponsorship, now or in the future.
• This is a full-time, direct-hire position, and no contract options for unsolicited agency submissions will be considered.
• All offers of employment are contingent on standard background checks. Fiserv and certain of its affiliated companies are federal, state, and/or local government contractors. Should this position support a Federal Government contract, now or in the future, the successful candidate will be subject to a background check conducted by the U.S. Gov