• Spokane, WA
  • Full-time

Company Description

Merchant e-Solutions (MeS) is an innovative, Internet technology focused payments company providing a full-service payment platform for financial institutions, merchants and developers. By combining the latest technology and industry expertise with a customer centric focus, we continue to innovate easy-to-use solutions for the payment industry.


Currently, Merchant e-Solutions processes more than $14 billion dollars per year in domestic and international payments for more than 65,000 merchants supporting 150 global currencies and all major credit, debit and alternative payment solutions. Merchant e-Solutions' fully-integrated platform makes processing not just easier, but also much more affordable. Unlike other credit card payment systems, our technology, service and support operations are 100% in-house.


Merchant e-Solutions, as of August 2012, is now part of Cielo S.A. Headquartered in San Paulo, Brazil, Cielo is the leading merchant payment processor in Brazil and Latin America and one of the largest payment processors worldwide. MeS is headquartered in Redwood City, California, with operations in Spokane, Washington.

Job Description


Location: Spokane, WA



Job Summary:  The Risk Analyst position is responsible for evaluating a merchant’s financial risk to the corporation against established risk criteria in an effort to mitigate any losses to Merchant e-Solutions. Additionally, the Risk Analyst is responsible for performing actions on a daily basis to control, report and contain risk as well as potential losses to MES.


Essential Duties and Responsibilities:


  • Analyze and act on a portfolio of merchants through Web Reports to determine our risk from each of these merchants.

  • Use various tools to mitigate or reduce our potential for losses.

  • Interact with merchants on plans of actions we deem necessary to reduce our risk.

  • Work with outside agencies, account reps or any other resource to better understand and validate our risk potential for merchants in the portfolio.

  • Report status activity on potential risks with recommendations of action.

  • Communicate with Banks and other sales sources in regards to their specific portfolio

  • Forecast maximum possible loss for each merchant we deem as a risk to MeS.

  • Aggressive yet professional collecting of ACH Rejects that could result in a loss to MeS.

  • Timely and effectively communicate with MeS Management, applicable internal departments and/or vendors regarding the risk function.

  • Investigative skip tracing at a business and personal level.

  • Routes, maintains and tracks outstanding servicing requests and provides thorough follow up. 

  • Other duties as assigned.


    Required Skills:


  • Critical thinking outside the box.

  • Strong written and verbal communication skills.

  • Must be able to adapt to change.

  • Ability to comprehend procedural information, including demonstrated ability to

    analyze account information; multi-task capable.

  • Demonstrate superior negotiation, problem solving, and troubleshooting skills.

  • Listens actively to others.

  • Openly shares feedback, information, ideas, and best practices.

  • Ability to work independently with minimal supervision.

  • Conflict resolution.



Preferred Skills


  • College degree or equivalent relevant work experience is desired.

  • Proficiency in the knowledge of the credit card industry.

  • Knowledge of Chargebacks and suspension of funds.

  • Trident Authorization reports and settlement process is a big plus.


Additional Information

Merchant e-Solutions is an Equal Opportunity Employer committed to a diverse workforce.