Risk & Underwriting Analyst

Company Overview

High Wire is a specialized payments company built for precision, resilience, and regulatory rigor. Operating at the intersection of innovation and compliance, High Wire delivers tailored solutions for high-risk merchant segments, where transactional integrity and operational readiness are non-negotiable. Our platform is engineered to support complex underwriting, real-time risk monitoring, and seamless sponsor bank alignment—ensuring every payment meets the highest standards of trust and transparency.

With a leadership team steeped in financial services, compliance, and operational strategy, High Wire is redefining what it means to scale responsibly in high-risk environments. We don’t just process payments—we architect confidence. Through strategic partnerships, robust controls, and a culture of accountability, High Wire empowers merchants to grow securely while protecting the integrity of the payment’s ecosystem.

Position Summary

The Payments Risk & Underwriting Analyst plays a critical role in identifying, mitigating, and preventing financial risk and fraud across High Wire’s payment ecosystem. This role combines deep data analysis, transaction monitoring, and merchant risk evaluation to support operational integrity and regulatory compliance. The ideal candidate will possess strong quantitative skills, fraud expertise, and a collaborative mindset to drive risk-informed decision-making across high-risk merchant segments.

Key Responsibilities

Dispute Communication:

• Review all incoming chargebacks/disputes and assist merchants with filing rebuttals.
• Handle and resolve customer disputes with a focus on clarity, empathy, and professionalism.
• Communicate dispute outcomes to customers and internal stakeholders, ensuring transparency and understanding.
• Develop and maintain templates for dispute communications to ensure consistency and accuracy.
• Collaborate with the Customer Support and Legal teams to address complex dispute cases.

Underwriting and Risk Review:

• Monitor merchant accounts to identify potentially fraudulent activity and make decisions on when to hold funds and close accounts.
• Conduct investigations into accounts that present fraud or risk exposure to High Wire and make credit decisions based on the information reviewed.
• Gather and interpret data from credit reports, tax returns, financial statements, and other documentation.
• Identify patterns and trends to prevent fraud or future losses.
• Engage with merchants to collect negative balances.
• Prepare regular reports for senior management, highlighting key risk indicators and areas for improvement.

Skills & Qualifications

• Demonstrated experience identifying and mitigating fraud, chargebacks, and credit risk within high-risk merchant portfolios
• Ability to interpret behavioral patterns, transactional anomalies, and financial indicators to inform underwriting decisions
• Proficient in analyzing credit reports, financial statements, tax returns, and supporting documentation to assess merchant viability
• Skilled in making fund hold and account closure decisions based on risk exposure and compliance thresholds
• Strong written and verbal communication skills, with the ability to manage sensitive customer disputes professionally and empathetically
• Experience developing standardized templates and workflows for dispute handling and merchant rebuttals
• Proven ability to work across Risk, Legal, Customer Support, and Finance teams to resolve complex cases and improve operational workflows
• Comfortable engaging directly with merchants to resolve negative balances and clarify dispute outcomes

Education & Experience

• 3–5 years of experience in payments risk, underwriting, or fraud operations, ideally within fintech, banking, or merchant services – High Risk merchant experience preferred.

Job Type: Full-time

Pay: $78,148.95 - $94,114.86 per year

Benefits:

• Health insurance
• Professional development assistance

Work Location: In person