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Payments Analyst – High-Risk Underwriting
Phoenix Ecommerce TechnologiesPayments Analyst assessing and underwriting high-risk ecommerce merchants for a leading AI commerce platform. Collaborating across teams to mitigate risks and enhance merchant growth.
Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in underwriting high-risk ecommerce merchants, evaluating financial and operational risks, and making data-driven decisions to balance risk with business growth. Strong ability to build relationships with various stakeholders in the payments ecosystem while ensuring compliance with industry standards.
Highest-signal resume keywords
Underwriting ExperienceHigh-Risk Payments KnowledgeFinancial Statement EvaluationKYC/AML ComplianceAnalytical Skills
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Risk ManagementMerchant AcquiringFraud AnalysisChargeback Trend EvaluationData-Driven Decision Making
Soft Skills
Interpersonal CommunicationAnalytical ThinkingWritten CommunicationVerbal Communication
Tools & Technologies
Payment GatewaysEmbedded Payment PlatformsProcessing Systems
Industry Keywords
FintechMerchant ServicesVisaMastercardNACHAPCI DSS
About the role
Key responsibilities & impact- Evaluate and underwrite merchant and ISV applications before submission to acquiring banks and processing partners
- Evaluate financial, operational, regulatory, fraud, and reputational risk across high-risk ecommerce merchants while working closely with merchants, processors, acquiring partners, and internal teams
- Conduct careful analysis and make independent risk decisions
- Review business models and transaction flows, financial and bank statements, and processing history
- Develop and recommend strategies that appropriately balance merchant growth with risk
- Build trusted relationships with merchants, processors, acquiring banks, sponsor banks, ISVs, and compliance partners
- Collaborate closely with various internal teams to resolve underwriting challenges and improve processes
Requirements
What you’ll need- 2+ years of underwriting experience within high-risk payments, merchant acquiring, fintech, or merchant services
- 3+ years of experience across payments, fintech, merchant acquiring, risk management, or financial services
- Strong understanding of high-risk ecommerce and merchant risk
- Experience underwriting merchants for ISVs, Payment Facilitators (PayFacs), payment gateways, embedded payment platforms, processors, or similar payments environments
- Experience evaluating financial statements, bank statements, processing history, fraud exposure, and chargeback trends
- Knowledge of KYC/AML requirements and acquiring bank requirements
- Familiarity with Visa, Mastercard, NACHA, and PCI DSS requirements
- Ability to make independent, data-driven underwriting decisions while balancing risk with business growth
- Strong analytical, written, verbal, and interpersonal communication skills
- Ability to operate effectively in a fast-paced, high-growth environment
Benefits
Comp & perks- Health insurance
- 401(k) matching
- Flexible working hours
- Paid time off
- Professional development opportunities