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:
As a Credit Risk Analyst, you assess merchant portfolios to identify, mitigate, and reduce fraud and credit losses for our clients and for Fiserv. You will partner closely with teams such as Funding, Legal, Operations, and Client Services to investigate suspicious merchant processing activity and recommend actions that protect the firm from financial loss while supporting strong client relationships.
What you'll do:
- Review and investigate merchant accounts to assess fraud and credit risk exposure across assigned portfolios
- Make timely decisions on cases that require deeper investigation, identifying credit risk and emerging fraud trends
- Coordinate risk mitigation and fraud remediation efforts with partners in Funding, Legal, Operations, and Client Services
- Communicate high-risk activity, recommendations, and required actions clearly to internal and external stakeholders
- Analyze and calculate financial metrics including total and average processing volume, collateral needs, and potential loss exposure
- Negotiate collateral requirements and restructuring terms in alignment with established risk guidelines
- Resolve merchant inquiries through outbound and scheduled calls, documenting outcomes and next steps
- Complete special projects and ad hoc analyses to support risk initiatives and process improvements
- Work independently and as part of a team to manage a high volume of accounts in time-sensitive, high-pressure situations
Experience you'll need to have:
- 3+ years of experience in financial services, payments, or a related environment with exposure to fraud, risk, or credit decisioning
- 2+ years of customer service or client-facing experience, including handling complex or adverse situations
- Experience using Microsoft Excel and Microsoft Word to analyze data and create clear documentation
- Strong analytical, quantitative, and problem-solving skills, including the ability to interpret financial documents and merchant processing data
- Demonstrated ability to manage multiple priorities, organize detailed information, and meet deadlines in a high-volume environment
- Bachelor’s degree in business, finance, accounting, criminal justice, or a related field, or equivalent combination of education, related experience and/or military experience
Experience that would be great to have:
- Prior credit risk experience within merchant acquiring, card processing, or payments
- Experience with MasterCard and Visa association rules and regulations related to fraud, chargebacks, and risk programs
- Bilingual language skills (for example, Spanish, French, and/or English)
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 use of a computer and audio equipment.
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 your 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 redeemable for rewards.
- Eight Employee Resource Groups to foster a collaborative culture and expand your network.
- Unparalleled professional growth with training, development, and internal mobility opportunities.
- Medical, dental, vision, life, and disability insurance options available from day one.
- Retirement planning and discounted shares with the Employee Stock Purchase Plan.
- 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 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.
