Payments Analyst – High-Risk Underwriting

Job not on LinkedIn

🕒 July 27

🇺🇸 United States – Remote

⏰ Full Time

🟢 Junior

🟡 Mid-level

📋 Underwriter

👻 Ghost score 31%

What it means: how likely this posting is sitting open without active hiring.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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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