# Merchant Risk Analyst & Underwriting Manager

**Company**: Razer
**Location**: Singapore
**Experience**: senior
**Job type**: full-time
**Category**: Finance
**Industry**: Technology

**Apply**: https://razer.wd3.myworkdayjobs.com/en-US/Careers/job/Singapore/Merchant-Risk-Analyst---Underwriting-Manager_JR2026007293?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply
**Canonical**: https://yubhub.co/jobs/job_3515b117-cb4

## Description

Join Razer's global mission to revolutionize gaming. As a Merchant Risk Analyst & Underwriting Manager, you will manage complex merchant risk assessments and ensure robust risk management practices across multiple payment channels.

**Job Responsibilities:**

- Lead Risk Assessment & Underwriting: Evaluate and underwrite new and existing merchant applications, conduct Enhanced Due Diligence (EDD), and assess risks across business models, MCC, transaction flow, and geography.

- Advanced Portfolio Monitoring & Management: Perform ongoing risk assessments, oversee Ongoing Due Diligence (ODD), and monitor merchant performance.

- Card Scheme & Payment Channel Compliance: Ensure merchant compliance with card scheme and payment channel requirements.

- Assist in Team Management & Mentoring: Support the Manager in guiding the underwriting team and providing day-to-day direction.

- Policy and Process Enhancement: Develop and refine underwriting frameworks, EDD and ODD processes, and risk management practices.

- Stakeholder Engagement & Reporting: Act as the key contact for escalated and complex risk cases, providing clear analysis and recommendations.

**Pre-Requisites:**

- Bachelor's Degree in Finance, Business Administration, Economics, Risk Management, or a related field.

- Professional certifications in Risk, Compliance, or Fraud Management (e.g., CAMS, CFE, FRM) are an added advantage.

- Minimum 5-8 years of experience in risk analysis, underwriting, fraud management, or merchant risk within payments, fintech, banking, or e-commerce industry.

- Proven track record in handling complex underwriting decisions, high-risk merchant onboarding, and escalated risk cases independently.

- Strong working knowledge of KYC, KYB, AML/CFT, Sanctions Screening, Enhanced Due Diligence (EDD), and Ongoing Due Diligence (ODD).

- In-depth understanding of card scheme rules and payment ecosystems.

- Familiarity with regional regulatory frameworks and ability to interpret requirements from authorities.

- Ability to assess end-to-end risk exposure.

- Strong decision-making and judgment capability.

- Experience in engaging with external stakeholders.

- Proficiency in risk management tools, fraud detection systems, and data analysis.

- Demonstrated ability to develop, refine, and implement underwriting policies, SOPs, and risk frameworks.

- Strong leadership and team management skills.

- Excellent communication and stakeholder management skills.

- Ability to balance business growth with risk control.

- High level of integrity, accountability, and ownership.

- Ability to work independently, manage multiple priorities, and lead initiatives in a fast-paced and dynamic environment.

- Flexibility to support extended working hours when required.

## Skills

### Required
- KYC
- KYB
- AML/CFT
- Sanctions Screening
- EDD
- ODD
- Card scheme rules
- Payment ecosystems
- Risk management tools
- Fraud detection systems
- Data analysis

### Nice to have
- CAMS
- CFE
- FRM

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Source: [Apply at razer.wd3.myworkdayjobs.com](https://razer.wd3.myworkdayjobs.com/en-US/Careers/job/Singapore/Merchant-Risk-Analyst---Underwriting-Manager_JR2026007293?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply)