Source Job

US

  • Evaluate and underwrite merchant and ISV applications for high-risk ecommerce, assessing financial, operational, regulatory, and fraud risk.
  • Work closely with merchants, processors, acquiring banks, and internal teams to structure approvable merchant submissions.
  • Identify and recommend risk mitigation strategies such as reserves, processing limits, and fraud controls to balance growth with risk.

Underwriting Risk Management Financial Analysis

6 jobs similar to Payments Analyst (High-Risk Underwriting)

Jobs ranked by similarity.

United States

  • Lead daily merchant boarding, underwriting, and risk monitoring operations, modernizing processes with AI and automation.
  • Partner with cross-functional teams to evolve policies, vendor integrations, and portfolio risk reporting.
  • Build and scale a high-performing team, defining SLAs and KPIs for decision speed and risk management.

Versapay turns accounts receivable into a competitive advantage by automating AR processes, connecting finance teams, customers, and business systems. With over 10,000 customers and processing over $257B annually, the company is a scale-up focused on innovation and growth.

Europe

  • Review merchant applications and assess eligibility to sell on the Polar platform.
  • Investigate fraud, payment risk signals, disputes, and chargebacks.
  • Partner with payment providers and internal teams to resolve compliance and account-related issues.

Polar is building the next standard for applied AI startups by creating a billing platform that combines billing and analytics to offer real-time customer and feature unit economics. They are a small, talented, and engineering-led team across Europe focused on shipping at high velocity to help startup founders scale their businesses.

United States

  • Own the full payments operations lifecycle including merchant onboarding, underwriting, transaction monitoring, dispute management, and escalations.
  • Build reporting infrastructure and dashboards to make operational metrics visible to leadership and drive data-informed decisions.
  • Design and refine underwriting and monitoring strategies while leading the transition from manual to AI-assisted decisioning.

Tekmetric provides cloud-based software that helps auto repair shops streamline operations, grow, and serve customers better. Founded in 2017 and headquartered in Houston, the company has grown into a leading industry solution with a culture built on transparency, integrity, innovation, and a service-first mindset.

Global 4w PTO

  • Conduct end-to-end KYB reviews ensuring complete, accurate, and compliant merchant onboarding.
  • Identify and verify Ultimate Beneficial Owners, perform sanctions screening, and conduct PEP checks.
  • Evaluate merchant business models to detect risks like payment facilitation or prohibited activities.

Breeze is building a universal payment layer to unify all currencies—fiat and crypto—for seamless transactions. It is a dynamic startup backed by Sequoia Capital with a fast-paced, collaborative culture.

$166,000–$210,000/yr

  • Build, evaluate, and maintain underwriting and decisioning models that determine customer approvals and terms.
  • Design and run experiments to evaluate model performance and measure impact on approval rates and loss.
  • Collaborate with Product, Engineering, Legal, Compliance, and Operations to ensure systems reflect business goals and regulatory expectations.

FloatMe is a fintech company that builds underwriting and decisioning systems to determine customer approvals and terms. It operates as a fast-moving, high-standard team focused on rigorous ML work.

$173,928–$254,657/yr
US

  • Own the full fraud policy lifecycle, from signal analysis and risk design to implementation and optimization, to protect all products and customer interactions.
  • Lead cross-functional fraud initiatives across Engineering, Product, Compliance, and external partners like Visa, serving as primary escalation for incidents.
  • Build fraud dashboards, mentor junior analysts, and drive alignment on risk decisions that balance exposure, customer experience, and regulatory requirements.

EarnIn is a fintech pioneer that builds products delivering real-time financial flexibility for those living paycheck to paycheck. The company has an experienced leadership team, world-class funding partners like A16Z and Matrix Partners, and is growing fast with a healthy core business.