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.