# Risk Analyst

**Company**: Zeller
**Location**: London
**Work arrangement**: hybrid
**Experience**: mid
**Job type**: full-time
**Category**: Finance
**Industry**: Finance

**Apply**: https://jobs.lever.co/Zeller/f9a177fe-63cd-4f93-a6c9-519705f89927?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply
**Canonical**: https://yubhub.co/jobs/job_3e146bfe-34d

## Description

We believe that businesses of all sizes deserve better financial and payment products and services.

Traditionally, businesses of all sizes are let down by slow applications, protracted onboarding, opaque pricing, restrictive contracts and forced to use outdated solutions that no longer meet the innovative requirements of modern business.

We're now taking our next steps in expanding our industry and world leading capabilities into the United Kingdom.

Our company is backed by leading global VCs, and brings together experienced payment and tech industry professionals who are aiming to redefine business banking and the way businesses get paid by their customers.

This is a unique opportunity to shape, direct and build better financial services for all UK businesses.

### Responsibilities

- Support fraud monitoring and risk controls across merchant acquiring products, including card acceptance, authorisation, clearing, and settlement

- Contribute fraud and risk input across the end-to-end acquiring lifecycle, from merchant onboarding and underwriting through to live transaction monitoring and settlement

- Work with card schemes (Visa/Mastercard), acquiring partners, processors, and gateways to manage operations and resolve acquiring-related issues

- Identify and monitor fraud typologies relevant to merchant acquiring (e.g. card-not-present fraud, friendly fraud, chargeback abuse), supporting mitigation strategies

- Support merchant KYB/KYC and underwriting, working closely with Risk and Compliance to meet scheme rules and UK regulatory requirements

- Monitor and help manage disputes, chargebacks, refunds, and scheme queries, ensuring thresholds and SLAs are met

- Demonstrate an understanding of payments, including FPS and UK domestic (UK-to-UK) payment flows, and PCI DSS requirements

- Operate in line with relevant regulatory and scheme guidelines, including card scheme rules, AML/CTF requirements, and industry standards

### Skills, Knowledge and Experience

- 2+ years' experience in merchant acquiring, payments, transaction monitoring, fraud prevention, merchant risk, or financial crime operations within a UK regulated financial services environment

- Hands-on experience in merchant acquiring or card payments, including working with card schemes, acquiring partners, payment processors, or gateways, with a solid understanding of merchant onboarding, underwriting, and transaction lifecycles

- Experience monitoring and investigating transaction activity, identifying fraud trends, anomalies, and emerging fraud typologies within payments or merchant acquiring environments

- Knowledge of fraud typologies, transaction monitoring controls, chargeback management, merchant risk, and fraud mitigation strategies

- Understanding of card payment processing, including authorisation, clearing, settlement, disputes, chargebacks, refunds, and UK payment systems such as Faster Payments (FPS)

- Experience supporting merchant onboarding and ongoing merchant risk monitoring activities

- Working knowledge of card scheme rules, PCI DSS requirements, AML/CTF obligations, and payment industry standards

- Strong analytical, problem-solving, and investigation skills, with the ability to assess risk and resolve complex operational, fraud, or payment-related issues

- Strong communication and stakeholder management skills, with the ability to collaborate effectively across teams

- Ability to work independently, manage competing priorities, and exercise sound judgement with minimal supervision

## Skills

### Required
- fraud monitoring
- risk controls
- merchant acquiring
- card payments
- transaction monitoring
- fraud prevention
- merchant risk
- financial crime operations
- payments
- PCI DSS
- AML/CTF
- card scheme rules

### Nice to have
- Banking
- Financial Services
- FinTech
- Government or Regulatory body
- CAMS
- CFCS
- ICA
- equivalent financial crime, fraud, or compliance qualifications

---

Source: [Apply at jobs.lever.co](https://jobs.lever.co/Zeller/f9a177fe-63cd-4f93-a6c9-519705f89927?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply)