PLEASE BE ADVISED BEFORE APPLYING TO THIS JOB LISTING THAT THIS POSITION IS NOT REMOTE.

IT IS AN IN-OFFICE ROLE, WHICH MEANS APPLICANTS MUST BE ABLE TO REPORT TO THE PALM BEACH GARDENS, FL OFFICE.

​**WE ARE NOT OFFERING RELOCATION ASSISTANCE FOR THIS POSITION.

​***THIS POSITION REQUIRES AVAILABILITY TO WORK WEEKENDS!

Position Summary:

As a Credit Risk Analyst with Merchant Lynx Services, you will be responsible for monitoring merchant activity to protect Merchant Lynx, the merchant's business, and the consumer against credit card fraud. You will also assist in controlling the company’s exposure to merchant risk, help minimize the merchant’s exposure and protect against credit card fraud that occurs from the processing of credit card transactions. Successful candidate will be able to interpret and apply MasterCard and Visa regulations for all dispute situations.

Your Responsibilities:

• Monitor merchant daily activity to detect and prevent fraud, potential loss, and chargebacks.
• Communicate with card issuing banks, merchants and cardholders to validate credit card transactions and manage reserve accounts.
• Identify and analyze potential fraud transactions, trends, and violations of Visa and MasterCard rules and regulations.
• Perform cost absorption analysis on merchants to determine their ability to cover normal return and chargeback activity.
• Correspond with merchants, banks, and consumers as necessary for transaction verification and to investigate possible risk issues.
• Assist with providing guidance and clarity to junior and new hire analysts.
• Authorize the release of funds.
• Monitor and review for previously flagged accounts for ongoing issues such as chargeback activity, high sales, spikes in volumes, DBA, address, email, phone changes, etc.
• Maintain up to date industry knowledge, specifically fraud trends.
• Collect on outstanding fees and dues.
• Open and read emails on a daily basis.
• Conform with and abide by all federal, state, local regulations, in addition to Merchant Lynx’s Corporate Policies and Procedures, and instructions.
• Participate in any/all training and educational activities necessary to fulfill at least the minimum requirements specified in your department goals.
• Practice and comply with all regulations promoting a safe and healthy work environment (i.e. OSHA).
• Adhere to privacy; confidential, proprietary company policies and procedures.
• Perform related projects and duties as assigned.

Qualifications:

• 3 years of experience working in financial services, credit analysis, risk management or credit card industry; Bachelor’s degree preferred
• Good knowledge of MasterCard and Visa card processing regulations and chargeback rules a must
• Ability to maintain confidentiality
• Effective communications and interpersonal skills
• A strong customer service focus and meticulous attention to detail
• Ability to justify decisions and balance the risk and business/sales issues
• Ability to work independently, but with a team focus
• Knowledge of risk and underwriting concepts and methodologies
• Ability to manage multiple priorities in a fast paced environment with limited supervision
• Strong analytical and organizational skills
• Good follow-through skills and ability to resolve issues in a timely manner
• Ability to analyze financial and transaction history information to make sound decisions
• Ability to work weekends

Why Merchant Lynx Services?

• Learn from and grow with a growing leader within the payments industry
• Enjoy a competitive salary
• Thrive within an innovative culture that fosters collaboration
• Take advantage of a supportive work-life balance
• Supercharge your professional roadmap thanks to our amazing career advancement opportunities

Merchant Lynx Services is a leading merchant services provider. We offer an array of innovative, reliable, and secure payment solutions to merchants across North America.

As a fully integrated merchant acquirer and payment processor, Merchant Lynx Services provides competitive solutions that promote business growth, increase customer loyalty, and enhance data security in the markets we serve.

Job Type: Full-time

Pay: $54,000.00 - $59,000.00 per year

Benefits:

• 401(k)
• Paid time off
• Parental leave

Experience level:

• 3 years

Schedule:

• 8 hour shift
• Weekends as needed

Experience:

• Credit analysis: 2 years (Required)

Ability to Commute:

• Palm Beach Gardens, FL 33418 (Required)

Work Location: In person