About Payoneer
Founded in 2005, Payoneer is the global financial platform that removes friction from doing business across borders, with a mission to connect the world’s underserved businesses to a rising global economy. We’re a community with over 2,500 colleagues all over the world, working to serve customers, and partners in over 190 countries and territories.
By taking the complexity out of the financial workflows–including everything from global payments and compliance to multi-currency and workforce management, to providing working capital and business intelligence–we give businesses the tools they need to work efficiently worldwide and grow with confidence.
Role summary
We are seeking a detail-oriented Merchant Risk Monitoring Analyst to join our Checkout Risk team. This role is responsible for monitoring, analyzing, and mitigating risks associated with merchant portfolios in our payment processing ecosystem. The successful candidate will play a crucial role in protecting the organization from financial losses while ensuring compliance with regulatory requirements and card scheme rules.
Location: Shanghai
On-site
Full-time
What you’ll do
Risk Monitoring & Analysis
Monitor merchant transaction patterns and behaviors to identify potential risks, fraud, or suspicious activities
Analyze merchant performance metrics, chargeback ratios, and transaction velocity to assess risk levels
Conduct regular portfolio reviews and risk assessments for existing merchant accounts
Investigate and respond to alerts generated by automated risk monitoring systems
Ensure adherence to card scheme regulations (Visa, Mastercard, American Express, Discover)
Collaborate with fraud prevention teams on merchant-related investigations
Stay current with industry regulations and best practices in merchant acquiring
Maintain documentation and audit trails for all risk decisions
Prepare detailed risk analysis reports and recommendations for management review
Work closely with Sales, Customer Care and other internal teams.
Recommend changes to ensure accuracy and efficiency of Onboarding processes
Merchant Account Management
Conduct enhanced due diligence on high-risk merchant categories and geographies
Coordinate with underwriting teams to establish appropriate risk controls and limits
Manage merchant account holds, suspensions, and terminations based on risk assessments
Chargeback & Dispute Management
Monitor and analyze chargeback trends and merchant dispute ratios
Investigate excessive chargeback scenarios and implement corrective actions
Work with merchants to develop chargeback mitigation strategies
Track and report on chargeback monitoring program effectiveness
Who you are
Education & Experience
Bachelor’s degree in finance, Business, Economics, Risk Management or related field
Minimum 5+ years of experience in risk management, fraud prevention, or financial services
Experience in merchant acquiring risk, payment processing, or e-commerce preferred
Knowledge of card scheme regulations and compliance requirements
Technical Skills
Proficiency in risk monitoring tools and transaction analysis software
Advanced Excel skills for data analysis and reporting
Experience with SQL or other database query languages preferred
Familiarity with fraud detection systems and case management tools
Understanding of payment processing flows and merchant acquiring operations
Core Competencies
Strong analytical and problem-solving abilities
Excellent attention to detail and accuracy
Ability to work independently and manage multiple priorities
Excellent English – both verbal and written.
Excellent Mandarin and Cantonese – both verbal and written.
Understanding of financial crimes and fraud typologies
Understanding of various business models and industry risk factors
Knowledge of fraud typologies and risk indicators
Understanding of card scheme rules and regulations
Experience with specific merchant categories (e-commerce, retail, high-risk industries)
Experience with automated underwriting systems and risk scoring models
#Onsite
#LI-AL1
The Payoneer Ways of Working
Act as our customer’s partner on the inside Learning what they need and creating what will help them go further.
Do it. Own it. Being fearlessly accountable in everything we do.
Continuously improve Always striving for a higher standard than our last.
Build each other up Helping each other grow, as professionals and people.
If this sounds like a business, a community, and a mission you want to be part of, apply today.
We are committed to providing a diverse and inclusive workplace. Payoneer is an equal opportunity employer, and all qualified applicants will receive consideration for employment no matter your race, color, ancestry, religion, sex, sexual orientation, gender identity, national origin, age, disability status, protected veteran status, or any other characteristic protected by law. If you require reasonable accommodation at any stage of the hiring process, please speak to the recruiter managing the role for any adjustments. Decisions about requests for reasonable accommodation are made on a case-by-case basis.