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This is a key role within the Risk function undertaking proactive risk reviews of larger credit / fraud exposures and complex/high risk merchants or partners.
You will provide high-quality risk advice to business and operational functions including enhancing standards (framework, methodologies, policies, guidelines and/or procedures) for underwriting, fraud and card scheme related matters.
As a Risk Analyst you will be responsible for:
- Assess credit and fraud risk for new and existing merchants and approval of high exposure merchant facilities within delegated authority or via escalation.
- Management and completion of financial / non-financial reviews of merchant facilities, liaising with Partners, Relationship Managers and merchants with regards to information / documentation
- Review of problem merchants recommending risk mitigation strategies and liaising with external bodies e.g., administrators etc.
- Work with merchants on chargeback or dispute solutions and provide guidance towards merchant’s risk performance improvement plans
- Liaison with merchants and card schemes in relation to merchant risk programs
- Escalation of concerns with emerging problem sectors which may require more stringent controls/policy guidelines introduced
- Liaison with Business and Operations where poor-quality merchants are identified to ensure appropriate training/guidance is given and where improvement is not seen consideration given to exiting the relationship
- Provide suggestions on current merchant risk related products, policies, and processes in order to improve the operational effectiveness
- Diary management of the actions agreed at Customer Approval and Portfolio Performance Committee – prompting owners to ensure actions are delivered on time or deferments sought where appropriate
- Adhere to the business ethics policies established by the firm.
- Adhere to the physical and information security requirements found in the firm’s security manual.
- Share your own expertise and develop your own skills and knowledge in accordance with the scope of work and needs identified by the company.
- Perform related duties as assigned by the line manager for the benefit of the organization