[Remote] Senior Risk Analyst

Note: The job is a remote job and is open to candidates in USA. CSG Forte Payments Inc. is seeking a Senior Risk Analyst to oversee merchant collections and funding returns in its payments ecosystem. The role investigates post-origination risk events, recovers funds, analyzes transaction patterns, and works with internal teams, merchants, and external stakeholders to resolve complex cases.

Responsibilities

• Manage and monitor the end-to-end collections lifecycle for merchant accounts with outstanding balances
• Review aging reports and prioritize collection queues based on risk exposure, account status, and recovery probability
• Initiate and track outreach to merchants, coordinating repayment plans or escalating unresolved accounts to legal or third-party recovery as appropriate
• Maintain accurate records of collections activity, correspondence, and outcomes in case management systems
• Identify systemic patterns contributing to collections volume and recommend process or policy improvements
• Oversee the review and processing of funding returns resulting from ACH rejects, closed accounts, disputed transactions, or compliance holds
• Investigate the root cause of return activity to determine whether remediation, risk action, or further investigation is warranted
• Coordinate with the Payments Operations and Accounting team to ensure accurate and timely return processing and reconciliation
• Monitor return rate thresholds and flag accounts approaching network or internal limits for proactive intervention
• Conduct thorough investigations into accounts flagged for elevated collections or return risk, including review of transaction history, financial data, and publicly available information
• Identify indicators of fraudulent activity, including card testing, unauthorized ACH transactions, and account manipulation, and initiate appropriate risk actions
• Support individual account and portfolio-level evaluations to assess financial health, compliance standing, and continued acceptability within the firm's risk appetite
• Participate in the underwriting review of merchants whose collections or return history warrants re-evaluation of processing limits or account status
• Serve as an escalation point for Analyst-level staff on complex or high-exposure collections and return cases
• Approve, document, and execute escalations, exceptions, and restricted tasks within assigned authority limits
• Partner with senior management to resolve high-risk or high-value cases requiring cross-functional coordination
• Analyze collections and funding return data to surface emerging trends, anomalies, and risk concentrations within the portfolio
• Prepare regular reporting for management on collections performance, return activity, recovery rates, and open exposure
• Contribute findings to firmwide risk reporting and support special projects as assigned

Skills

• Bachelor's degree or equivalent experience
• 3+ years of experience in payments risk, collections, chargeback management, or financial investigations
• Strong working knowledge of ACH return codes, chargeback lifecycle, and dispute resolution processes
• Experience with merchant acquiring, payment processing, or fintech risk operations
• Demonstrated ability to analyze financial data and draw sound, defensible risk conclusions
• Excellent written and verbal communication skills; comfortable engaging merchants and senior stakeholders alike
• High attention to detail with the ability to manage multiple open cases simultaneously under competing deadlines
• Proficiency with case management systems, data tools (Excel, BI platforms), and payment processing platforms
• Familiarity with Visa and Mastercard operating regulations related to disputes, returns, and fraud controls
• Experience with real-time transaction monitoring tools
• Knowledge of NACHA Operating Rules and Regulation E as they apply to ACH returns and unauthorized transactions
• Experience supporting or conducting collections in a regulated payments environment
• Ability to read, write, speak and understand the English language in a business environment

Benefits

• Work from Home
• Employee Belonging Groups
• Healthcare: Dental, Medical, and Vision
• Paid Vacation, Volunteer, and Holiday Time Off
• This role is eligible for a bonus opportunity.

Company Overview