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Razer
обновлено 2 месяца назад

Merchant Risk Analyst & Underwriting Manager (Fintech)

Формат работы
onsite
Тип работы
fulltime
Грейд
senior/lead
Английский
b2
Страна
Malaysia
Вакансия из списка Hirify.GlobalВакансия из Hirify Global, списка международных tech-компаний
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Описание вакансии

Текст:
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TL;DR
Merchant Risk Analyst & Underwriting Manager (Fintech): Managing complex merchant risk assessments and underwriting across payment channels with an accent on enhanced due diligence, high-risk merchant onboarding, and card scheme compliance. Focus on making high-impact risk decisions, monitoring merchant portfolios, refining underwriting frameworks, and guiding analysts through escalated cases.

Location: Based in I-City, Shah Alam, Malaysia

Company

Razer is a global gaming company operating across multiple continents and building gamer-focused products and experiences.

What you will do

  • Evaluate and underwrite new and existing merchants, including high-risk industries and complex business models.
  • Lead Enhanced Due Diligence and assess business model, merchant category, transaction flow, geographic, financial, operational, fraud, and reputational risks.
  • Monitor merchant portfolios, chargeback ratios, abnormal transaction behavior, and compliance indicators through Ongoing Due Diligence.
  • Apply Visa, Mastercard, PayNet, e-wallet, and other payment-channel requirements to underwriting and risk-management decisions.
  • Handle escalated cases, prepare risk analysis and reports, and collaborate with Business, Operations, Dispute, Compliance, card schemes, regulators, and banking partners.
  • Support team management by mentoring analysts, reviewing decisions, and improving underwriting policies, SOPs, and risk frameworks.

Requirements

  • Bachelor’s degree in Finance, Business Administration, Economics, Risk Management, or a related field.
  • 5–8 years of experience in risk analysis, underwriting, fraud management, or merchant risk within payments, fintech, banking, or e-commerce.
  • Hands-on knowledge of KYC, KYB, AML/CFT, sanctions screening, EDD, and ODD.
  • Strong understanding of card schemes and payment ecosystems, including Visa, Mastercard, PayNet, DuitNow, FPX, UPI, e-wallets, alternative payment methods, and cross-border payments.
  • Ability to make independent decisions for complex, high-risk, ambiguous, or escalated cases and assess end-to-end exposure.
  • Must be based in I-City, Shah Alam; flexibility to support extended working hours for urgent or high-risk cases is required.

Nice to have

  • Professional certification in risk, compliance, or fraud management, such as CAMS, CFE, or FRM.
  • Experience interpreting requirements from regional regulators including BNM, BI, MAS, and BOT.

Culture & Benefits

  • Opportunity to contribute to a global gaming mission and work across a team spanning five continents.
  • Gamer-centric workplace experience with opportunities for personal and professional growth.
  • Inclusive and respectful workplace committed to equal opportunity and reasonable accommodations.

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