Payments Analyst (High-Risk Underwriting)

About the Role:

• You will evaluate and underwrite merchant and ISV applications before submission to acquiring banks and processing partners.
• You will assess financial, operational, regulatory, fraud, and reputational risk across high-risk ecommerce merchants.
• You will work closely with merchants, processors, acquiring partners, and internal teams to make independent risk decisions.

What You'll Own:

• Merchant underwriting: review and make decisions on applications, evaluating business models, financials, processing history, and chargeback exposure.
• Risk & compliance: ensure merchant compliance with visa, mastercard, kyc/aml, pci dss, and internal policies.
• Risk mitigation: develop strategies like reserves, processing limits, and fraud controls to balance growth with risk.

What We're Looking For:

• 2+ years of underwriting experience within high-risk payments, merchant acquiring, or fintech.
• Strong understanding of high-risk ecommerce, merchant risk, and kyc/aml requirements.
• Ability to make independent, data-driven decisions and communicate effectively in a fast-paced environment.