Viamericas is a #1 ranked and licensed money transmitter offering international money transfer, bill payment, check processing and a variety of other services at thousands of agent locations across the United States, and over 100,000 locations in 50 countries. At Viamericas, our ultimate objective is to help immigrants succeed and improve their lives by providing the highest quality financial services. We are always seeking TOP TALENT - experienced individuals who embrace our core values of respect, innovation, integrity and impact.
The main responsibility for the Risk Analyst position is to evaluate and oversee the potential risks related to check processing activities within the Viamericas agent base. This position requires a deep understanding of financial transactions, regulatory compliance, and detecting fraud. This position plays a key role in protecting the company and our agents by implementing efficient risk management strategies and procedures.
**Duties and Responsabilities**:
**Regulatory Compliance**:
- Stay updated on federal and state regulations governing check cashing and financial transactions.
- Ensure that check cashing activities comply with all relevant laws and regulations.
**Fraud Detection**:
- Develop and implement effective strategies for detecting fraudulent check-cashing activities at the check-on-hold stage.
- Utilize data analytics and fraud detection tools to identify patterns and anomalies in transaction data.
**Transaction Monitoring**:
- Monitor check cashing transactions in real-time to identify suspicious or high-risk activities.
- Collaborate with other departments, such as Accounts Receivable and Compliance, to investigate and resolve flagged transactions.
**Reporting**:
- Prepare and present regular reports on check cashing risk assessments, fraud trends, and mitigation efforts to management.




- Provide insights and recommendations for improving risk management processes.
**Policy Development**:
- Assist in developing and updating policies and procedures related to check cashing risk management.
**Collaboration**:
- Collaborate with other departments, including Compliance, Finance, and Operations, to implement effective risk mitigation strategies.
- Provide training and guidance to staff involved in check cashing activities to enhance awareness and adherence to risk management protocols.
**Continuous Improvement**:
- Identify opportunities for process improvement and efficiency in risk management procedures.
- Stay informed about industry best practices and emerging trends in check cashing risk management.
**Qualifications**:
- Proven experience in risk analysis, preferably in the financial industry, preferably banking or check processing centers.
- BA or BS in Business, Finance or Information Technology or minimum 5 years’ experience.
- Analytical mindset with the ability to interpret complex data and trends.
- Excellent communication skills, both verbal and written in English and Spanish.
- Familiarity with fraud detection tools and data analytics.
- Detail-oriented and capable of working independently.
- Ability to adapt to changing regulatory environments.
- Ability to collaborate and to work as a team player.
**Working Conditions**:
- General office working conditions with hybrid work structure. The employee will work both remotely and from the office, as needed. Needs to have phone availability during non-working hours in case of problems or time-sensitive requests.
Come work for industry leaders! We are the fastest growing company in the industry, with best in class products. We offer an environment of growth and learning that will help you to grow your potential and develop as a professional.

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