Key Takeaways

  • 75% of U.S. employers use automated applicant tracking systems to screen resumes before a human reviews them (Harvard Business School & Accenture, 2021)
  • The most common ATS failures are missing keywords, incompatible formatting, and incorrect file types
  • ResumeGeni scores your resume across 8 parsing layers — modeled on the same steps enterprise ATS platforms like Workday, Greenhouse, and Taleo use to evaluate candidates

How ATS Resume Scoring Works

Applicant tracking systems parse your resume into structured data — extracting your name, contact info, work history, skills, and education — then score how well that data matches the job requirements. Many ATS rejections happen because the parser couldn't extract critical fields, not because the candidate wasn't qualified.

LayerWhat It ChecksWhy It Matters
Document extractionFile format, encoding, readabilityCorrupted or image-only PDFs fail immediately
Layout analysisTables, columns, headers, footersMulti-column layouts break field extraction
Section detectionExperience, education, skills headingsNon-standard headings cause sections to be missed
Field mappingName, email, phone, dates, titlesMissing contact info is a common cause of immediate rejection
Keyword matchingJob-specific terms, skills, certificationsKeyword overlap affects recruiter search visibility and ATS scoring
Chronology checkDate ordering, gap detectionReverse-chronological order is expected by most ATS
QuantificationMetrics, numbers, measurable outcomesQuantified achievements help human reviewers and some scoring models
Confidence scoringOverall parse quality and completenessLow-confidence parses get deprioritized in results

Frequently Asked Questions

Is ResumeGeni free?
Yes. ResumeGeni is currently in beta — ATS analysis, scoring, and initial improvement suggestions are free with no signup required. Full guidance and saved reports may require a free account.
What file formats are supported?
PDF, DOCX, DOC, TXT, RTF, ODT, and Apple Pages. PDF and DOCX are recommended for best ATS compatibility.
How is the ATS score calculated?
Your resume is processed through an 8-layer parsing pipeline that extracts structured data the same way enterprise ATS platforms do. The score reflects how completely and accurately your resume can be parsed, plus how well your content matches common ATS ranking criteria.
Can ATS read PDF resumes?
Yes, but not all PDFs are equal. Text-based PDFs parse well. Image-only PDFs (scanned documents) and PDFs with complex tables or multi-column layouts often fail ATS parsing. Our analyzer will flag these issues.
How do I improve my ATS score?
Focus on three areas: use a clean single-column format, include keywords from the job description naturally in your experience bullets, and ensure all sections (contact, experience, education, skills) use standard headings.

ATS Guides & Resources

Built by engineers with 12 years of experience building enterprise hiring technology at ZipRecruiter. Last updated .

Senior Merchant Risk Analyst

Mx51 · Australia (remote)

Full-time

mx51 is a payments-as-a-service solution for banks, non-bank acquirers, and other merchant service providers. We are building a payment platform that allows merchants to accept payments in-store, in-app and online, whilst consolidating all their data on a real-time business management dashboard.

A Senior Merchant Risk Analyst is responsible for identifying, assessing, and mitigating financial and operational risks associated with merchant accounts in payment processing, fintech, or acquiring environments. This role sits at the intersection of underwriting, fraud prevention, compliance, and business enablement.

Responsibilities of the role

  • Review and evaluate new merchant applications for risk exposure, including credit risk, fraud potential, and regulatory compliance 
  • Conduct due diligence & enhanced due diligence on merchants, including business verification, ownership structure, and industry risk classification based on regulatory requirements
  • Monitor existing merchant portfolios for unusual transaction patterns, chargeback trends, and signs of fraudulent activity 
  • Analyze transaction data to detect fraud, illegal activities, money laundering indicators, or violations 
  • Investigate and resolve chargeback disputes, fraud claims, and suspicious activity reports 
  • Prepare risk reports and escalate high-risk cases to senior management to make informed onboarding decisions
  • Collaborate with internal and external stakeholders to resolve issues related to the merchant 
  • Stay current on regulation changes, card scheme rules (Visa, Mastercard) and industry best practices
  • Driving process efficiency through an agile approach and strategic AI implementation
  • Submit SMR with relevant regulators

About you

  • Bachelor's degree in Finance, Business, Economics, or a related field 
  • At least 8 years of experience within acquiring industry with strong knowledge on merchant risk, fraud operations, payments, or financial crime 
  • Strong Understanding of AUSTRAC, Scheme Regulation & PCI-DSS frameworks 
  • Exposure to high-risk merchant verticals (e.g., gaming, nutraceuticals, travel, CBD)
  • Knowledge of chargeback management and dispute resolution processes
  • Strong analytical and fraud investigative mindset 
  • Attention to detail and ability to work under pressure 
  • Clear written and verbal communication for documenting decisions 
  • Sound judgment in ambiguous or time-sensitive situations 
  • Ability to balance risk mitigation with merchant experience
  • Proficiency in data analysis tools (Excel, SQL, or similar)

What we offer

You will be joining an incredible team who are committed to our vision and company values. Our innovative culture gives you opportunities to make real contributions that will shape the future of the business. In addition to a fun and flexible work environment, we also offer:

  • Work from overseas up to 4 weeks per year
  • Annual team offsite
  • Social events run by our social committee
  • Swap a public holiday and take an alternative day off
  • Paid leave for volunteering
  • Employee Share Option Plan (subject to invitation)
  • Paid parental leave for primary and secondary carers
  • Novated lease and salary sacrifice options

mx51 is an equal opportunity employer that is committed to creating a diverse and inclusive environment. All qualified applicants will receive consideration for this role without bias to race, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability or age.

Note: mx51 does not accept unsolicited resumes or applications from recruitment agencies.