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Merchant Underwriting Jobs in Florida (NOW HIRING)

Axiom Bank

Merchant Risk & Compliance Analyst

Maitland, FL · On-site +1

$65K - $85K/yr

Merchant Underwriting Execution: Conduct merchant credit and risk underwriting reviews for sponsored acquiring programs ; evaluate merchant business models, financial condition, and fraud exposure.

Paysafe

VP Merchant Risk Operations

Jacksonville, FL · On-site

... across underwriting, onboarding, merchant due diligence, portfolio monitoring and risk ... investigations. Working closely with Merchant Risk Strategy, Commercial, Product, Compliance, Fraud ...

Axiom Bank

Senior Partner Risk Officer

Maitland, FL · On-site +1

Identify inherent risk across the risk taxonomy and Evaluate ISO operational controls, merchant underwriting practices, and portfolio composition on a defined review cycle. * Compliance Monitoring:

Axiom Bank

Senior Partner Risk Officer

Maitland, FL · On-site

Identify inherent risk across the risk taxonomy and Evaluate ISO operational controls, merchant underwriting practices, and portfolio composition on a defined review cycle. * Compliance Monitoring:

LGBT Great

Senior Capital Formation Associate

Miami, FL · On-site

$140 - $210/hr

Conduct market research on power market fundamentals, merchant curves, interest rate environments, and tax equity dynamics to inform underwriting. * Play a key role in scaling the platform ...

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Merchant Underwriting information

See Florida salary details

$35.9K

$77K

$118.4K

How much do merchant underwriting jobs pay per year?

As of Aug 26, 2026, the average yearly pay for merchant underwriting in Florida is $77,033.00, according to ZipRecruiter salary data. Most workers in this role earn between $57,500.00 and $90,400.00 per year, depending on experience, location, and employer.

What is merchant underwriting?

A Merchant Underwriting job involves assessing the risk and creditworthiness of businesses applying for merchant accounts to process payments. Underwriters review financial statements, business models, and transaction history to identify potential fraud or financial instability. They work closely with sales teams, risk management, and compliance departments to ensure merchants meet regulatory and company requirements. The goal is to approve legitimate businesses while minimizing financial risk for the payment processor or financial institution. This role requires analytical skills, attention to detail, and knowledge of payment industry regulations.

What are the key skills and qualifications needed to thrive in merchant underwriting?

To thrive as a Merchant Underwriter, you need strong analytical abilities, a keen understanding of financial statements, and experience evaluating business risk, typically supported by a degree in finance, business, or a related field. Proficiency with underwriting platforms, risk assessment tools, and knowledge of industry compliance standards or certifications such as Certified Risk Professional (CRP) is often preferred. Strong attention to detail, effective communication, and sound judgment enable successful collaboration with sales and risk teams. These skills ensure accurate merchant approvals, mitigate potential losses, and support the financial integrity of the organization.

What are some common challenges faced by merchant underwriters in their daily work?

Merchant Underwriters often encounter challenges such as assessing the risk of new or emerging business models, analyzing incomplete or inconsistent financial data, and staying updated with evolving industry regulations. Balancing the need for thorough risk evaluation with the demands for quick decision turnarounds can also be demanding. Collaboration with sales and compliance teams is essential to resolve cases where risk factors are unclear or customer expectations are urgent. To succeed, underwriters must be adaptable, detail-oriented, and proactive in continuing their professional development to keep up with changing policies and industry trends.

What are the most commonly searched types of Merchant Underwriting jobs in Florida?

The most popular types of Merchant Underwriting jobs in Florida are:

What are popular job titles related to Merchant Underwriting jobs in Florida?

For Merchant Underwriting jobs in Florida, the most frequently searched job titles are:

What job categories do people searching Merchant Underwriting jobs in Florida look for?

The top searched job categories for Merchant Underwriting jobs in Florida are:

What cities in Florida are hiring for Merchant Underwriting jobs?

Cities in Florida with the most Merchant Underwriting job openings:

Merchant Underwriting jobs near you
Infographic showing various Merchant Underwriting job openings in Florida as of August 2026, with employment types broken down into 95% Full Time, and 5% Part Time. Highlights an 89% In-person, and 11% Remote job distribution, with an average salary of $77,033 per year, or $37 per hour.

Merchant Risk & Compliance Analyst

Axiom Bank

Maitland, FL • On-site

$65K - $85K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 18 days ago

Job description

At Axiom Bank, we encourage you to aim for the sky and leverage your expertise and passion to excel. We are a growing, dynamic organization � this is an exciting time to get on board!
We believe in the value of promoting a healthy work/life balance and are committed to recognizing the role everyone plays in our ongoing success. We offer the following benefits to our Full Time Employees:
  • 12 Paid Holidays
  • Generous Paid Time Off
  • 4% Match on our 401(k)
  • Medical, Dental and Vision Benefits
  • 100% Company Paid Life, AD&D Insurance, Short and Long Term Disability

General Responsibilities
The Merchant Risk & Compliance Analyst position will support our growing BIN sponsorship and merchant acquiring program. This execution-level role focuses on the day-to-day assessment of merchant credit, fraud exposure, and ongoing transactional risk. Reporting to the Senior Manager, this analyst will be the first line of defense in ensuring that sponsored merchant portfolios remain within the Bank's established risk appetite and card brand thresholds.
Key Responsibilities
  • Merchant Underwriting Execution: Conduct merchant credit and risk underwriting reviews for sponsored acquiring programs ; evaluate merchant business models, financial condition, and fraud exposure.
  • Transaction & Portfolio Monitoring: Administer ongoing merchant portfolio monitoring, including daily transaction activity surveillance, chargeback ratio analysis, and fraud trend review.
  • MCC & Policy Enforcement: Ensure proper Merchant Category Code (MCC) assignment across the portfolio and enforce prohibited and restricted merchant category policies.
  • Chargeback Surveillance: Monitor chargeback activity against Visa Dispute Monitoring Program (VDMP) and Mastercard Excessive Chargeback Program (ECP) thresholds; flag accounts nearing penalty thresholds for management review.
  • Escalation: Identify and escalate high-risk applications, exposure concentrations, or unusual volume patterns to the Senior Manager.

Supervision of Personnel
  • None

Working Conditions
This position may be performed remotely or in a hybrid work arrangement, depending on business needs. Employees are expected to work Monday through Friday during regular business hours, with occasional evening or weekend work as needed.
We will consider candidates residing in the following states: Florida, Alabama, Arkansas, Arizona, California, Delaware, Georgia, Massachusetts, Michigan, Ohio, Oregon, South Carolina, North Carolina, New Jersey, New York, Maryland, Tennessee, Minnesota, Virginia, Pennsylvania, Utah, and Texas.
Travel
  • None

Qualifications Summary
Education
  • Associate degree in Business or related field or equivalent work experience.

Experience
  • Minimum 3 years of experience in merchant acquiring risk, payments fraud, or bank operational risk.
  • Prior banking and compliance experience preferred.

Knowledge & Skills:
  • Working knowledge of merchant underwriting standards, transaction monitoring, and chargeback analysis.
  • Background in ecommerce risk management and understanding new verticals such as Nutraceuticals, AI, High Risk Industries (CBD, Gambling) etc
  • Familiarity with proper MCC assignment and high-risk merchant business models.
  • Strong analytical skills with a data-driven approach to identifying payment anomalies.
  • Ability to strictly follow established underwriting criteria and risk rating frameworks.

Other Duties - Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.
The salary range for this position is $65,000-85,000 and is commensurate with experience.
(Reasonable accommodations may be made to enable individuals with disabilities to perform these tasks. If you need an accommodation, please contact us at hr@axiombanking.com )
Axiom Bank does not discriminate in employment opportunities or practices on the basis of any protected status. It is the policy of Axiom Bank to conduct background, credit reference and drug screening tests as a condition of employment. Drug Free Workplace. EOE/AA/Minority, Female, Disabled, Veteran
Axiom Bank is not seeking assistance or accepting unsolicited resumes from search firms for employment or contractor opportunities. Any resumes submitted without a valid contract will be considered the sole property of Axiom Bank and no fee will be paid.

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