Payments Analyst – High-Risk Underwriting

Job not on LinkedIn

🔥 3 minutes ago

Apply Now

Find Similar Remote Jobs

Set Up Email Alert For New Jobs

📊 Check your resume score for this job

Improve your chances of getting an interview by checking your resume score before you apply.

Upload Resume

Phoenix Ecommerce Technologies

WebsiteLinkedInAll Job Openings

11 - 50 employees

Founded 2024

🛍️ eCommerce

💳 Fintech

☁️ SaaS

🔥 Funding within the last year

💰 $5M Series unknown on 2025-11

eCommerce • Fintech • SaaS

Phoenix Ecommerce Technologies is an ecommerce infrastructure and payments platform built for high-volume direct-to-consumer (D2C) merchants. It provides a headless, no-code customizable checkout and funnel builder, AI-powered decline recovery and payment routing, tokenized vaulting, subscription and billing management, and analytics to optimize approvals, conversions, and lifetime value. The product emphasizes higher authorization rates, faster wallet-native checkouts (Apple Pay, Google Pay), multi-processor support, and retention automation for subscription and direct-response brands.

📋 Description

• 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

• 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

• Health insurance • 401(k) matching • Flexible working hours • Paid time off • Professional development opportunities