Associate Risk Support Analyst, Merchant Acquiring
Company Name:
Visa
Position Description
The Associate Risk Analyst will be an integral part of our growing Merchant Acquiring and ACH lines of business and will be responsible for monitoring our Merchant Acquiring and ACH customer portfolio to mitigate our risk exposure.
Specific Responsibilities will include
Monitor daily, monthly and quarterly sales and chargeback volumes to identify any trends or issues.
Communicate with merchants regarding exception activity and request additional information as necessary, contact card issuing banks and/or cardholders regarding merchant exception activity.
Review exception batches for suspicious activity, investigating potential fraudulent merchant activity.
Conduct merchant transaction, volume and chargeback activity review and analysis.
Recommend funding holds/releases and report and investigate any potential losses as appropriate.
Monitor open collection reporting and correspond with merchants in open collection.
Perform periodic reviews of merchant accounts, obtain and review current financial/credit reports as required.
Review public and non-public personal information reports and business credit reports.
Conduct ongoing reviews of approved merchant's websites including detection of inconsistencies and adjustments made to website after approval.
Provide education to merchants on proper card acceptance and chargeback prevention, work with merchants to develop and institute chargeback reduction plans.
Ability to complete loss exposure analysis for transacting merchants.
Minimum of 4 years of Fraud Investigation and/or Risk Analyst experience.
Demonstrate advanced ability to perform day to day fraud investigation and risk activities as assigned for the company's acquiring and ACH portfolio.
In depth understanding of financial statements and credit reports and be able to provide detailed financial analysis and understanding of risk exposure.
Advanced knowledge of the Visa/MasterCard and NACHA rules/regulations.
Possess the ability to de-escalate difficult situations.
Demonstrate a strong understanding of fraud, chargebacks, reason codes and other payment-related procedures.
Ability to educate the merchant base on fraud prevention best practices.
Ability to communicate with customer service, underwriting, sales representatives and other internal departments as needed.
Demonstrate advanced knowledge of risk exposure and potential risk calculation.
Ability to work with team members by assisting in day to day department discussions.
Ability to resolve complex problems with minimal guidance.
Excellent writing, interpersonal and communication skills.
Ability to excel in a fast-paced environment with multiple priorities.
Advanced knowledge of Windows/PC including Excel and Word.
Ability to work with Enterprise level accounts at a high dollar amount processing level
Ability to communicate with internal and external management in all levels and in all aspects of acquiring.
Common Purpose, Uncommon Opportunity . Everyone at Visa works with one goal in mind - making sure that Visa is/the best way to pay and be paid, for everyone everywhere/. This is our global vision and the common purpose that unites the entire Visa team. As a global payments technology company, tech is at the heart of what we do: Our VisaNet network processes over 13,000 transactions per second for people and businesses around the world, enabling them to use digital currency instead of cash and checks. We are also global advocates for financial inclusion, working with partners around the world to help those who lack access to financial services join the global economy. Visa's sponsorships, including the Olympics and FIFA(TM) World Cup, celebrate teamwork, diversity, and excellence throughout the world. If you have a passion to make a difference in the lives of people around the world, Visa offers an uncommon opportunity to build a strong, thriving career. Visa is fueled by our team of talented employees who continuously raise the bar on delivering the convenience and security of digital currency to people all over the world. Join our team and find out how Visa is everywhere you want to be.
CyberSource has been and continues to be a pioneer within the e-Commerce Payment Management world. CyberSource offers a full-service payment management platform for e-commerce merchants, combining global payment processing, fraud management and payment security systems.
/ CyberSource is a subsidiary of Visa Inc. CyberSource operates in Europe under agreement with Visa Europe. /
/ Visa will consider for employment qualified applicants with criminal histories in a manner consistent with the requirements of Article 49 of the San Francisco Police Code. /
Job: Administrative Services
Organization: CyberSource
Title: Associate Risk Support Analyst, Merchant Acquiring
Location: UT-American Fork
Requisition ID: 144708 Estimated Salary: $20 to $28 per hour based on qualifications.
Visa
Position Description
The Associate Risk Analyst will be an integral part of our growing Merchant Acquiring and ACH lines of business and will be responsible for monitoring our Merchant Acquiring and ACH customer portfolio to mitigate our risk exposure.
Specific Responsibilities will include
Monitor daily, monthly and quarterly sales and chargeback volumes to identify any trends or issues.
Communicate with merchants regarding exception activity and request additional information as necessary, contact card issuing banks and/or cardholders regarding merchant exception activity.
Review exception batches for suspicious activity, investigating potential fraudulent merchant activity.
Conduct merchant transaction, volume and chargeback activity review and analysis.
Recommend funding holds/releases and report and investigate any potential losses as appropriate.
Monitor open collection reporting and correspond with merchants in open collection.
Perform periodic reviews of merchant accounts, obtain and review current financial/credit reports as required.
Review public and non-public personal information reports and business credit reports.
Conduct ongoing reviews of approved merchant's websites including detection of inconsistencies and adjustments made to website after approval.
Provide education to merchants on proper card acceptance and chargeback prevention, work with merchants to develop and institute chargeback reduction plans.
Ability to complete loss exposure analysis for transacting merchants.
Minimum of 4 years of Fraud Investigation and/or Risk Analyst experience.
Demonstrate advanced ability to perform day to day fraud investigation and risk activities as assigned for the company's acquiring and ACH portfolio.
In depth understanding of financial statements and credit reports and be able to provide detailed financial analysis and understanding of risk exposure.
Advanced knowledge of the Visa/MasterCard and NACHA rules/regulations.
Possess the ability to de-escalate difficult situations.
Demonstrate a strong understanding of fraud, chargebacks, reason codes and other payment-related procedures.
Ability to educate the merchant base on fraud prevention best practices.
Ability to communicate with customer service, underwriting, sales representatives and other internal departments as needed.
Demonstrate advanced knowledge of risk exposure and potential risk calculation.
Ability to work with team members by assisting in day to day department discussions.
Ability to resolve complex problems with minimal guidance.
Excellent writing, interpersonal and communication skills.
Ability to excel in a fast-paced environment with multiple priorities.
Advanced knowledge of Windows/PC including Excel and Word.
Ability to work with Enterprise level accounts at a high dollar amount processing level
Ability to communicate with internal and external management in all levels and in all aspects of acquiring.
Common Purpose, Uncommon Opportunity . Everyone at Visa works with one goal in mind - making sure that Visa is/the best way to pay and be paid, for everyone everywhere/. This is our global vision and the common purpose that unites the entire Visa team. As a global payments technology company, tech is at the heart of what we do: Our VisaNet network processes over 13,000 transactions per second for people and businesses around the world, enabling them to use digital currency instead of cash and checks. We are also global advocates for financial inclusion, working with partners around the world to help those who lack access to financial services join the global economy. Visa's sponsorships, including the Olympics and FIFA(TM) World Cup, celebrate teamwork, diversity, and excellence throughout the world. If you have a passion to make a difference in the lives of people around the world, Visa offers an uncommon opportunity to build a strong, thriving career. Visa is fueled by our team of talented employees who continuously raise the bar on delivering the convenience and security of digital currency to people all over the world. Join our team and find out how Visa is everywhere you want to be.
CyberSource has been and continues to be a pioneer within the e-Commerce Payment Management world. CyberSource offers a full-service payment management platform for e-commerce merchants, combining global payment processing, fraud management and payment security systems.
/ CyberSource is a subsidiary of Visa Inc. CyberSource operates in Europe under agreement with Visa Europe. /
/ Visa will consider for employment qualified applicants with criminal histories in a manner consistent with the requirements of Article 49 of the San Francisco Police Code. /
Job: Administrative Services
Organization: CyberSource
Title: Associate Risk Support Analyst, Merchant Acquiring
Location: UT-American Fork
Requisition ID: 144708 Estimated Salary: $20 to $28 per hour based on qualifications.
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