Merchant Risk Data Analyst

The role

Upgrade is looking for a Merchant Risk Data Analyst to transform how we identify and mitigate merchant risk through data analysis and visualization. You'll combine merchant risk expertise with analytical skills to build predictive models, automated monitoring triggers, and actionable insights that protect our platform from fraud, compliance violations, and operational failures. You'll turn millions of transactional data points into strategic risk decisions, applying analytical rigor to catch problems early and safeguard our merchants, borrowers, and business.

What you will do

Analyze large volumes of transactional data to identify merchant risk patterns and trends
Build predictive models to forecast merchant fraud, financial distress, compliance issues, and operational red flags
Develop risk scoring methodologies that prioritize high-risk merchants for proactive review
Conduct historical trend analysis to understand how merchant risk evolves over time and across verticals

All jobs

Merchant Risk Data Analyst

Upgrade, Atlanta

The role

What you will do

Analyze large volumes of transactional data to identify merchant risk patterns and trends
Build predictive models to forecast merchant fraud, financial distress, compliance issues, and operational red flags
Develop risk scoring methodologies that prioritize high-risk merchants for proactive review
Conduct historical trend analysis to understand how merchant risk evolves over time and across verticals

Environmental & Working Conditions

Work is performed indoors in a fast-paced environment that requires the ability to manage multiple priorities and meet established workflows, schedules, and service expectations.

Employees regularly input, retrieve, and exchange information accurately using digital systems and applications to support operational and customer service objectives.

The role requires the ability to receive and exchange information with customers, peers, supervisors, and cross-functional partners through available communication channels, which may include meetings, email, phone, and digital collaboration tools, and may involve real-time, verbal, or in-person exchanges depending on business need.

Job duties may involve managing a high volume of inbound and/or outbound customer interactions and work activities using telecommunications and computer systems. The role requires the ability to read, analyze, and interpret information displayed on computer screens and remain in a working posture for extended periods, consistent with the demands of the position.

Work may be performed in a contact center, office, or remote environment, depending on business needs and the nature of the role. Onsite work environments may include shared workspaces, standard office lighting, and moderate background noise typical of customer service or operational settings.

Employees working remotely are responsible for maintaining a secure and productive workspace with reliable internet connectivity that supports company systems and safeguards the confidentiality of company and customer information.

Upgrade does not accept unsolicited resumes from staffing agencies, search firms, or any third parties. Any resume submitted to any employee of Upgrade without a prior written agreement in place will be considered the property of Upgrade, and Upgrade will not be obligated to pay any referral or placement fee. Agencies must obtain advance written approval from Upgrade's Talent Acquisition department to submit resumes and only in conjunction with a valid, fully executed agreement.

Merchant Risk Data Analyst

The role

What you will do

Merchant Risk Data Analyst

The role

What you will do

What you need

Nice to have

Environmental & Working Conditions

Pay and benefits

About Upgrade

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