OneMain Financial Jobs

Location:

For Those Who Work At Home, Ohio

JOB BRIEF

The Sr. Analyst, Payments Risk- Shadow Risk Monitoring performs functions in support of Key Merchant Services and Integrated Payments ISO and Payment Facilitator program. Responsibilities include merchant onboarding and ongoing merchant risk monitoring. Responsibilities also include oversight of merchant onboarding and ongoing merchant risk monitoring conducted by clients within Integrated Payments.

ESSENTIAL JOB FUNCTIONS

Key Deliverables:

• Daily merchant risk reviews and investigations

• Review and decision concurrence requests for new applications, funding holds and releases and follow-up

• Monitor daily suspended transactions

• Oversight reviews of client's merchant onboarding and risk monitoring results; initiating independent underwriting and risk investigations when necessary

• Prepare monthly client metrics reporting on chargebacks, returns, and losses

• Card Network compliance oversight of client's portfolio including web monitoring, Data Integrity, MATCH

• Manage Card Network registration and implementation requirements

• Prepare monthly key performance indicators for Card Network compliance requirements

• Contribute to oversight meetings with internal risk and compliance partners

• Clearly communicate with internal staff regarding pending merchant applications and requests for additional information

• Clearly communicate with clients and external partners regarding merchant investigations, requests for information, and risk decisions

• Assist with new client due diligence and approval

REQUIRED QUALIFICATIONS

• Bachelors Degree or equivalent work experience

• Experience with Aperia required

• 5 - 7 years credit risk or Merchant acquiring risk experience; Merchant acquiring risk highly preferred

• Understanding of credit risk, fraud, and risk mitigation practices

• Ability to analyze merchant details and provide recommendations for approval or decline based on credit policy

• Ability to communicate risk decisions to internal stakeholders, clients, and merchants

• Understanding of various sales distribution models

• Experience with suite of Microsoft Office applications: (Basic Excel, Word, PowerPoint, etc.)

PREFERRED QUALIFICATIONS

• Ability to analyze merchant activity trends and investigate suspicious activity

• Ability to effectively escalate and present risk-mitigation recommendations to risk leaders

• Experience complying with Card Network rules and requirements

• Understanding consumer harm indicators

COMPETENCIES/SKILLS

• Expertise in merchant acquiring credit and risk management

• Knowledge of merchant boarding systems and processes

• Knowledge of merchant acquiring risk systems including external tools such as e-commerce monitoring

• Effective communication and presentation skills

• Analytical and organizational skills

• Financial credit risk analysis a plus

COMPENSATION AND BENEFITS

This position is eligible to earn a base salary in the range of $71,000.00 - $125,000.00 annually. Placement within the pay range may differ based upon various factors, including but not limited to skills, experience and geographic location. Compensation for this role also includes eligibility for incentive compensation which may include production, commission, and/or discretionary incentives.

This position is eligible to earn a base salary in the range of $75,000 to $95,000 annually depending on location and job-related factors such as level of experience. Compensation for this role also includes eligibility for short-term incentive compensation and deferred incentive compensation subject to individual and company performance.

Please click here (https://www.key.com/about/careers/working-with-us/benefits.html) for a list of benefits for which this position is eligible.

Key has implemented an approach to employee workspaces which prioritizes in-office presence, while providing flexible options in circumstances where roles can be performed effectively in a mobile environment.

Job Posting Expiration Date: 04/18/2026

KeyCorp is an Equal Opportunity Employer committed to sustaining an inclusive culture. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, genetic information, pregnancy, disability, veteran status or any other characteristic protected by law.

Qualified individuals with disabilities or disabled veterans who are unable or limited in their ability to apply on this site may request reasonable accommodations by emailing HR_Compliance@keybank.com.

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KeyBank is an organization collectively committed to helping you unlock your potential and discover what truly drives you. Working here means sharing our purpose to help our clients, colleagues, and communities thrive. You’ll find genuinely supportive teammates, a flexible, inclusive work environment, challenging projects, accessible leaders, and opportunities to grow in your position and your career. For 200 years, Key has opened doors in our communities. Let us open one for you.