Loss Analyst II

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• Assist leadership in onboarding tasks to include access requests and peer setup. Act as the Subject Matter Expert (SME) and process trainer of the Collections and Loss Management Team, supporting team objectives by effective quality monitoring and efficient dissemination of information relevant to the process. Support and participate in training of new hires, assign evenly distributed workload to level I and II analysts, and provide constructive process feedback for possible procedural improvements.
• Perform routine administrative functions (complexity increases proportionately with days balance outstanding), including answering emails from internal and external customers within service level agreements, completing high‑level administrative duties such as losses and recoveries reporting, monthly budget projections, maintaining list of accounts to be turned over to third‑party collections, and handling calls through assigned call center queues.
• Manage and resolve a working list of all items in collection to Global Payments under a high‑stress evolving environment while adhering to time management standards and meeting set metrics. Allocate payments from third‑party collections agencies.
• Review and inform customers of delinquent/past‑due accounts indebted to Global Payments to achieve recovery. Examine merchant accounts, negotiate payment options while following regulatory requirements, and request supporting documentation for accurate reporting inclusive of briefs, loss reports, weekly updates, and sponsor bank calls. Educate merchants on outstanding balances, fees, chargebacks, refunds, and other adjustments.
• Lead information sessions with various areas of the organization. Research delinquent/past‑due accounts in collaboration with Settlement Operations, Accounting, Client Managers, Account Reps, Pricing, Maintenance, and Credit/Underwriting to determine cash flow, potential file build errors, merchant expectations and fees clarification. Liaise with legal to assist merchants and document bankruptcy proceedings, filing proof of claims, and issuing debt‑related demand letters.
• Assess vulnerabilities through effective investigation of accounts with existing debt, deciding future steps for collections or possible termination of the client relationship. Release payments through ACH, wires, EFT, and check distribution of merchant funds where appropriate, while assessing mitigating circumstances that require extended reserves and appropriate securities. Discern appropriate write‑off action to determine proper budget impact.
• Analyze trends in business gaps/misses, merchant processing, and demographics that may expose Global Payments to further losses. Proactively review primary reserve account negative balances and representment reports to prevent possible loss.
• Generate and distribute reports as needed or assigned.
• Demonstrate functional knowledge of skip‑tracing techniques by utilizing all available tools including Accurint, Google, Facebook, LinkedIn, MAC, MATCH, and Pacer.
• Utilize training, reference materials, and instruction from more experienced peers to develop knowledge of the collections regulatory environment and demonstrate a working knowledge of company and assigned client policies and procedures.
• Other duties assigned.

What Are We Looking For in This Role?

Minimum Qualifications

• High School Diploma or Equivalent
• Typically Minimum 4 Years Relevant Experience
• 6 months as a Loss Analyst II with performance meeting expectations

Preferred Qualifications

• Associate’s or Bachelor’s Degree

Desired Skills and Capabilities

• Skill/Knowledge – As a skilled specialist, completes tasks in resourceful and effective ways.
• Job Complexity – Works on assignments requiring considerable initiative and makes recommendations for solutions.
• Supervision – Proposes methods and procedures on new assignments; may be informal team leader.

Seniority level

Mid‑Senior level

Employment type

Full‑time

Job function

Business Development and Sales

Industries

Financial Services and IT Services and IT Consulting

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