Job Description

About Simpay

At Simpay , our mission is simple: help business owners save time and money. We do that by delivering powerful, easy-to-use solutions—including payment processing, payroll, and business services—backed by exceptional in-house support.

As we continue to grow, we’re looking for a Risk Analyst to help protect our portfolio, support our merchants, and strengthen our risk strategy.

About the Role

As a Risk Analyst, you’ll play a key role in safeguarding Simpay’s merchant portfolio. You’ll monitor transactions, detect fraud trends, and make real-time decisions that directly impact the business. This is a fast-paced, high-impact role where your analytical thinking and judgment will be critical to minimizing risk and supporting sustainable growth.

What You’ll Do

• Analyze merchant activity and assess risk across our portfolio
• Perform re-underwriting reviews for accounts with increased financial exposure
• Monitor transaction trends, including volume, chargebacks, refunds, and suspicious behavior
• Make real-time funding decisions and document risk rationale
• Investigate unusual or high-risk transactions and validate activity when needed
• Place accounts on reserve and take action to mitigate potential losses
• Partner with internal teams (Underwriting, Sales, Support) to provide risk insights
• Communicate directly with merchants regarding account status, restrictions, and risk decisions
• Assist in recovery efforts and manage accounts that violate agreements
• Stay ahead of fraud trends and proactively identify emerging risks

What We’re Looking For

• 2–3 years of experience in risk analysis, fraud detection, or payments/financial services
• Experience with card-not-present (eCommerce, MOTO) environments preferred
• Strong understanding of chargebacks, disputes, and card network rules
• Familiarity with merchant underwriting and onboarding processes
• Experience with Fiserv (First Data) is a strong plus
• Solid analytical skills with the ability to interpret financial and transaction data
• Proficiency in Microsoft Office (especially Excel)

What Makes You a Great Fit

• You thrive in a fast-paced, high-pressure environment
• You’re highly analytical but also comfortable making real-time decisions
• You communicate clearly and confidently—both internally and with merchants
• You’re detail-oriented, organized, and accountable
• You bring a positive, team-first attitude and strong sense of integrity

Compensation

• $21.50 per hour , with flexibility based on experience

Why Join Simpay?

• Be part of a growing fintech company with real momentum
• Work in a collaborative, high-energy environment
• Gain exposure to multiple areas of the business
• Make a direct impact on company performance and risk strategy

Work Schedule

Standard hours are Monday–Friday, 9:00 AM – 6:00 PM, with flexibility around weekends and holidays as business needs evolve.

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