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About this role:

Wells Fargo is seeking a Merchant Services Senior Risk Analytics Consultant to leverage data analytics in assessing credit and fraud risks, enhancing risk reporting, and supporting business growth while safeguarding the payments ecosystem. This role requires strong analytical skills, expertise in risk management, and excellent communication to collaborate with cross-functional teams.

This role reports directly to **Head of Merchant Services Transformation Risk** . Learn more about the career areas and lines of business at wellsfargojobs.com (https://www.wellsfargojobs.com/career-areas/) .

In this role, you will be responsible for:

Data Analytics to manage Merchant Risk:

+ Analyze merchant data and develop credit risk and fraud risk strategies to manage underwriting and ongoing monitoring.

+ Identify emerging fraud patterns and risk trends using advanced analytics.

+ Utilize machine learning models, statistical techniques, and predictive analytics to enhance risk assessment.

+ Develop and implement early warning strategies for high-risk merchants.

+ Optimize risk thresholds on existing underwriting and monitoring strategies based on data-driven insights.

+ Collaborate with product, operations, data science teams and other internal stakeholders to refine merchant onboarding and monitoring frameworks.

Reporting & Insights

+ Design, automate, and maintain risk dashboards, reports, and data visualizations to track key risk indicators.

+ Provide regular risk insights to leadership, helping shape risk policies and business strategies.

+ Ensure accuracy and consistency in risk metrics and reporting methodologies.

Support Payments Ecosystem Protection

+ Support initiatives to protect the payments ecosystem from fraud, abuse, and financial losses.

+ Work with product and engineering teams to implement risk controls.

+ Effectively communicate complex risk findings to both technical and non-technical stakeholders.

Required Qualifications:

+ 4+ years of Risk Analytics experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

Desired Qualifications:

+ 2+ years of merchant services experience

+ Strong experience in data analytics, risk management, and reporting

+ Proficiency in SQL, Tableau, Python or R or SAS tools

+ Knowledge of financial services risk management, merchant services business, credit risk and/or fraud risk

+ Experience with risk modeling, machine learning, or predictive analytics

+ Excellent communication and stakeholder management skills

Posting Locations:

+ 401 S Tryon Street - Charlotte, North Carolina

+ 1445 Ross Ave - Dallas, Texas

Job Expectations:

+ Required location(s) listed above. Relocation assistance is not available for this position.

+ This position currently offers a hybrid work schedule.

+ This position is not eligible for VISA sponsorship.

Posting End Date:

16 Jun 2025

_*Job posting may come down early due to volume of applicants._

We Value Equal Opportunity

Wells Fargo is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic.

Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit’s risk appetite and all risk and compliance program requirements.

Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process.

Applicants with Disabilities

To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo (https://www.wellsfargojobs.com/en/diversity/disability-inclusion/) .

Drug and Alcohol Policy

Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy (https://www.wellsfargojobs.com/en/wells-fargo-drug-and-alcohol-policy) to learn more.

Wells Fargo Recruitment and Hiring Requirements:

a. Third-Party recordings are prohibited unless authorized by Wells Fargo.

b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.

**Req Number:** R-446469