Senior Risk Analytics Consultant (Merchant Services)

About this role:
Wells Fargo is seeking a Senior Risk Analytics Consultant to leverage data, advanced analytics, Artificial Intelligence (AI), and Machine Learning (ML) to assess credit and fraud risks, enhance risk reporting, and support business growth while safeguarding the payments ecosystem. This role requires strong analytical and problem-solving skills, expertise in risk management, and the ability to collaborate effectively with cross-functional teams.

• Risk Assessment & Analytics
  • Analyze merchant data to assess credit risk and fraud risk for underwriting and ongoing monitoring.
  • Identify emerging fraud patterns and risk trends using advanced analytics.
  • Utilize machine learning models, statistical techniques, and predictive analytics to enhance risk
  • assessment.
  • Develop and refine risk scoring models to automate decision-making and improve risk controls.
• Reporting & Insights

In this role, you will:

• Lead or participate in moderately complex initiatives, and delivering insight and decision strategies within analytics and reporting, and contribute to large-scale planning related to Risk Analytics
• Review and analyze moderately complex data aggregation, forecasting, reporting, and programming models
• Be responsible for process production, data reconciliation, and model documentation in alignment with policy governance
• Resolve data, production, business modeling, and lead team to meet Risk Analytics deliverables while leveraging solid understanding of risk reporting policies, modeling strategies, procedures, regulatory requests, and compliance requirements
• Collaborate and consult with peers, experienced managers, compliance, and technology to resolve modeling, forecasting, and production issues, and achieve analytic and reporting goals
• Lead projects, teams, and mentor less experienced staff
• Partner with cross enterprise risk analysts in development of common modeling strategies

Required Qualifications:

• 4+ years of Risk Analytics experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

Desired Qualifications:

• 3 years of payments industry/merchant services experience
• Strong experience in data analytics, risk management, and reporting in a payments or financial services environment.
• Proficiency in AI/ML, SQL, Python, R, or other data analysis tools.
• Knowledge of merchant services, credit risk, fraud risk, and payments risk mitigation strategies.
• Experience with risk modeling, machine learning, or predictive analytics is a plus.
• Excellent communication and stakeholder management skills.
• Ability to balance business growth with effective risk mitigation strategies.

Job Expectations:

• Ability to work at one of the approved locations in the job posting
• Specific compliance policies may apply regarding outside activities and/or personal investing; affected employees will be expected to provide information to the Wells Fargo Personal Account Dealing Team and abide by applicable policy requirements if hired. Information will be shared about expectations during the recruitment process

Posting End Date:
17 Nov 2026
*Job posting may come down early due to volume of applicants.
We Value Equal Opportunity
Wells Fargo is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic.
Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit's risk appetite and all risk and compliance program requirements.
Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process.
Applicants with Disabilities
To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo .
Drug and Alcohol Policy
Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy to learn more.
Wells Fargo Recruitment and Hiring Requirements:
a. Third-Party recordings are prohibited unless authorized by Wells Fargo.
b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.
c. Please be prepared to provide accurate information and supporting documentation in connection with any lawful employment and education verification conducted by Wells Fargo.