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
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