Job Description

Calling all innovators - find your future at Fiserv.Were Fiserv, a global leader in Fintech and payments, and we move money and information in a way that moves the world. We connect financial institutions, corporations, merchants, and consumers to one another millions of times a day - quickly, reliably, and securely. Any time you swipe your credit card, pay through a mobile app, or withdraw money from the bank, were involved. If you want to make an impact on a global scale, come make a difference at Fiserv.Job Title Credit Risk - Professional I

• Recognize high risk patterns and compare alerting transactional activity to historical activity for the merchant, along with the merchants overall profile including tenure and depth of customer relationship, industry / products being sold, and card capture method.
• Determine whether the merchant is submitting potentially fraudulent transactions and requires immediate escalation (Fraud Risk).
• Determine whether the merchants activity has materially changed the Credit Risk exposure of the relationship compared to their originally approved business activity (Credit Risk).
• Perform research using internal Fiserv systems and reports to review merchant credit card transaction activity related to potentially high risk sales, refunds, authorizations, and chargebacks.
• Acts as the first line of defense for Funding Controls, restricting funding to merchants that require in-depth investigation, or releasing funding to the merchant if no material concerns are identified.
• Follows defined review processes to make an informed real-time decision to escalate the event for further investigation.
• Review and investigate merchant account transactional activity in order to evaluate financial risk exposures arising from potential credit and/or fraud risks, primarily related to small to medium sized business clients.
• Investigates the processing activity on accounts that have exceeded the parameters set in our risk management system and make a real time decision if the account is conducting business in a fraudulent manner or in a way that increases the credit exposure to Fiserv and its partners. Investigations include the gathering of data from various sources & systems and interpreting the data.

A successful analyst must have the ability to work in a fast pace environment and be able to make real time / accurate decisions.Thank you for considering employment with Fiserv. Please:

• Apply using your legal name
• Complete the step-by-step profile and attach your resume (either is acceptable, both are preferable).

What you should know about us:Fiserv is a global leader in payments and financial technology with more than 40,000 associates proudly serving clients in more than 100 countries. As one of Fortune\xc2\xae magazine's "World's Most Admired Companies" 9 of the last 10 years, one of Fast Companys Most Innovative Companies, and a top scorer on Bloombergs Gender-Equality Index, we are committed to innovation and excellence.Our commitment to Diversity and Inclusion:We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact us to request accommodation.Warning about fake job posts:Please be aware of fraudulent job postings that are not affiliated with Fiserv. Fraudulent job postings may be used by cyber criminals to target your personally identifiable information and/or to steal money or financial information.Any communications from a Fiserv representative will come from a legitimate business email address. We will not hire through text message, social media, or email alone, and any interviews will be conducted in person or through a secure video call. We wont ask you for sensitive information nor will we ask you to pay anything during the hiring process. We also wont send you a check to cash on Fiservs behalf.If you see suspicious activity or believe that you have been the victim of a job posting scam, you should report it to your local law enforcement.

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