Up to £50,000 plus excellent bonus and benefitsPlease note, this role is 5 days a week in the officeDue to exciting business growth, we are recruiting on behalf of a leading UK-based FinTech EMI that specializes in card issuing and acquiring. As they scale their merchant portfolio, they are looking for a sharp, analytically-minded Risk Analyst to join their First Line of Defence team. This position is deeply rooted in Merchant Monitoring and Investigations. You will be the "boots on the ground," investigating unusual merchant behaviour, assessing portfolio health, and ensuring the business stays ahead of fraud and chargeback risks.Key Responsibilities of the Merchant Risk Analyst (Fintech) to include:Deep-Dive Investigations: Conduct end-to-end investigations into merchant activity, looking beyond the surface of transaction alerts to identify underlying risks or shifts in business models.Merchant Lifecycle Monitoring: Perform ongoing reviews of the active merchant book, ensuring processing trends, refund levels, and settlement patterns remain within risk appetite.Portfolio Surveillance: Monitor for "red flags" such as high chargeback ratios or suspicious spikes in volume, ensuring the business remains compliant with Visa, Mastercard, and UnionPay scheme rules.Risk Re-grading: Use your findings to recommend changes to merchant risk ratings, processing caps, or settlement delays.Stakeholder Collaboration: Work closely with Onboarding, Underwriting, and Financial Crime teams to