Merchant Risk Analyst & Underwriting Manager (Fintech)

TL;DR

Merchant Risk Analyst & Underwriting Manager (Fintech): Managing complex merchant risk assessments and underwriting practices across multiple payment channels with an accent on Enhanced Due Diligence (EDD) and regulatory compliance. Focus on evaluating high-risk business models, monitoring portfolio performance, and ensuring adherence to card scheme rules like Visa and Mastercard.

Location: Based in I-City, Shah Alam

Company

hirify.global is a global leader in gaming hardware and software, revolutionizing the gaming experience across five continents.

What you will do

• Lead risk assessment and underwriting for new and existing merchants, including high-risk industries and complex business models.
• Conduct Enhanced Due Diligence (EDD) and assess risks across business models, MCCs, transaction flows, and geographies.
• Monitor merchant portfolios to identify high-risk behaviors and ensure compliance with card schemes (Visa, Mastercard) and payment channels.
• Mentor junior analysts by reviewing cases and providing guidance on risk-based decision-making.
• Develop and refine underwriting frameworks, EDD/ODD processes, and risk management practices.
• Collaborate with Business, Operations, and Compliance teams to resolve escalated and high-impact risk cases.

Requirements

• Bachelor’s Degree in Finance, Business Administration, Economics, Risk Management, or a related field.
• Minimum 5–8 years of experience in risk analysis, underwriting, or fraud management within payments, fintech, banking, or e-commerce.
• Strong working knowledge of KYC, KYB, AML/CFT, Sanctions Screening, EDD, and ODD.
• In-depth understanding of card scheme rules (Visa, Mastercard) and regional regulatory frameworks (BNM, BI, MAS, BOT).
• Proven track record in handling complex underwriting decisions and high-risk merchant onboarding independently.
• Must be based in I-City, Shah Alam.

Nice to have

• Professional certifications in Risk, Compliance, or Fraud Management (e.g., CAMS, CFE, FRM).

Culture & Benefits

• Global mission to revolutionize the gaming industry with an impact on a worldwide scale.
• Accelerated personal and professional growth opportunities.
• Gamer-centric corporate culture (#LifeAthirify.global).
• Inclusive, respectful, and fair workplace committed to equal opportunity employment.