IT Risk Analyst

Up to £50,000 plus excellent bonus and benefitsPlease note, this role is 5 days a week in the officeDue to exciting business growth, we are recruiting on behalf of a leading UK-based FinTech EMI that specializes in card issuing and acquiring. As they scale their merchant portfolio, they are looking for a sharp, analytically-minded Risk Analyst to join their First Line of Defence team. This position is deeply rooted in Merchant Monitoring and Investigations. You will be the "boots on the ground," investigating unusual merchant behaviour, assessing portfolio health, and ensuring the business stays ahead of fraud and chargeback risks.

Key Responsibilities of the Merchant Risk Analyst (Fintech) to include:

Deep-Dive Investigations: Conduct end-to-end investigations into merchant activity, looking beyond the surface of transaction alerts to identify underlying risks or shifts in business models.

Merchant Lifecycle Monitoring: Perform ongoing reviews of the active merchant book, ensuring processing trends, refund levels, and settlement patterns remain within risk appetite.

Portfolio Surveillance: Monitor for "red flags" such as high chargeback ratios or suspicious spikes in volume, ensuring the business remains compliant with Visa, Mastercard, and UnionPay scheme rules.

Risk Re-grading: Use your findings to recommend changes to merchant risk ratings, processing caps, or settlement delays.

Stakeholder Collaboration: Work closely with Onboarding, Underwriting, and Financial Crime teams to ensure a joined-up view of merchant risk.

Requirements for the successful Merchant Risk Analyst (Fintech) to include:

Acquiring Experience is Essential: You must have a solid understanding of the card and merchant acquiring ecosystem. You should know the difference between an ISO, a Payment Gateway, and an Acquirer.

Investigative Mindset: You aren't just looking to "close alerts"; you enjoy digging into data to find the "why" behind a merchant's behaviour.

Scheme Knowledge: A working understanding of card scheme monitoring programmes (e.g., Visa's VDMP/VFMP or Mastercard's EFM/ECM) is highly advantageous.

First Line Mentality: You understand that 1st Line risk is about balancing commercial growth with rigorous control execution.

Data Literate: Comfortable using Excel or similar tools to spot trends and produce actionable reports.

Why Join?This role offers a significant platform for progression, providing exposure to executive leadership and the opportunity to shape the risk culture of a scaling business., Job Description Up to £75,000 plus excellent bonus and benefits Are you an analytically driven payments professional with a talent for spotting patterns and managing risk in real-time? We are recruiting for a Risk Monitoring Manager on behalf of a leading UK-based..., IT Risk Analyst Salary : £45-50k (12 months FTC) Location - Central London - 3 days per week in the office Are you an IT / Technology Risk Analyst looking for a role where your work is visible, impactful, and close to senior leadership? A leading financial..., Role profile The Senior Analyst will report directly to the Director of Resilience Risk Management (RRM) and will play a leading role in driving the delivery of Operational Resilience (OpRes) outcomes across Digital Securities and Markets (DSM). As part of the first line of..., Up to £110,000 plus excellent bonus and benefitsAre you a senior payments risk expert with a deep understanding of the merchant acquiring ecosystem?Due to exciting business growth, we are recruiting on behalf of a leadingUK-based FinTech EMIthat specializes in card issuing..., IT Risk Analyst Salary: £45-50k (12 months FTC) LocationCentral London 3 days per week in the officeAre you an IT / Technology Risk Analyst looking for a role where your work is visible, impactful, and close to senior leadership?A leading financial services organisation...

Paid Parental LeaveAre you looking for a career move that will put you at the heart of a global financial institution? Then bring your skills and experience withinWholesale Credit Risk (corporate) , including due diligence, structuring and documentation skills along...

IT Risk Analyst Salary: £45-50k (12 months FTC) LocationCentral London 3 days per week in the officeAre you an IT / Technology Risk Analyst looking for a role where your work is visible, impactful, and close to senior leadership?A leading financial services organisation...

Transaction Monitoring Manager (EMI)

Montpellier Resourcing

Up to £80,000 plus excellent bonus and benefits Are you an analytically driven payments professional with a talent for spotting patterns and managing risk in real-time?We are recruiting for aTransaction Monitoring Manageron behalf of a leadingUK-based FinTech..., Merchant Risk Analyst (Fintech) Up to £50,000 plus excellent bonus and benefits Please note, this role is 5 days a week in the officeDue to exciting business growth, we are recruiting on behalf of a leadingUK-based FinTech EMIthat specializes in card issuing and acquiring.... © 2026, Jobsora.com

A leading UK-based FinTech company is seeking a Merchant Risk Analyst to join their First Line of Defence team in Central London. This role focuses on investigating merchant behaviour, monitoring transaction trends, and collaborating with various teams. Candidates must have...