Merchant Specialty Risk Analyst

CardWorks

Risk Analyst responsible for monitoring specialty merchant verticals and implementing risk mitigation strategies at Merrick Bank in the U.S.

Posted 6/13/2026full-timeWoodbury • New York • 🇺🇸 United StatesJuniorMid-LevelWebsite

About the role

Key responsibilities & impact

Responsible for daily, weekly, monthly and quarterly monitoring activities supporting Service Provider Sponsorship Program Oversight and Specialty Risk initiatives
Support the oversight and ongoing monitoring of high risk and specialty merchant verticals to ensure adherence with Merrick Bank policies, card brand requirements, and program controls
Assist in developing risk mitigation strategies and recommending controls designed to reduce portfolio exposure
Work closely with Risk, Underwriting, Compliance, Operations, and partner teams to assess account activity, communicate findings, and facilitate resolutions
Establish and maintain relationships with assigned partners and internal stakeholders supporting Specialty Risk programs
Provide ongoing guidance regarding risk mitigation strategies, onboarding requirements, and monitoring expectations for specialty merchant categories
Perform reviews and investigations related to unusual activity, MCC alignment, policy adherence, and other identified risk indicators
Maintain weekly risk tracking logs, supporting documentation, and audit evidence
Support ongoing portfolio reviews, escalations, and strategic Specialty Risk initiatives as needed
Assist with ad hoc projects and strategic initiatives assigned by management

Requirements

What you’ll need

College degree (Accounting, Finance, Business, etc.) is required, four (4) years relevant experience accepted in lieu of education requirement.
Two (2) years’ experience is required.
Attention to detail, strong investigative and analytical skills, and exceptional communication skills.
Able to demonstrate sound work ethics.
Experience communicating verbally and in writing in a business environment.
Able to demonstrate good common sense and sound judgment.
Able to make real-time decisions.
Able to work independently, but also comfortable collaborating with others.
Strong investigative and analytical skills.
Prior credit card processing, investigative, or lending experience a plus.

Benefits

Comp & perks

Medical, Dental, and Vision (plus much more)
401(k) Plan with Company Match
Short- & Long-Term Disability
Wellness Programs
Group Life and AD&D Insurance
Paid Vacation, Sick Days and bank Holidays
Employee Engagement Activities including Employee Appreciation Day, DEI Employee Resource Groups, Corporate Social Responsibility, Service Recognition

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

risk mitigation strategiesportfolio reviewsinvestigative skillsanalytical skillspolicy adherenceMCC alignmentmonitoring activitiesaudit evidenceaccount activity assessmentstrategic initiatives

Soft Skills

attention to detailexceptional communication skillssound work ethicscommon sensesound judgmentreal-time decision makingindependent workcollaboration