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Merchant Underwriting Jobs in Florida (NOW HIRING)

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:

NETO CAPITAL LLC

Be Seen First

Underwriter

Sunny Isles, FL · On-site

Prepare underwriting summaries and recommendations on approvals, declines, terms, pricing, and ... right merchants, sharpen your pitch, and move deals to funded faster than anyone else in the ...

NETO CAPITAL LLC

Be Seen First

Underwriter

Sunny Isles, FL · On-site

Prepare underwriting summaries and recommendations on approvals, declines, terms, pricing, and ... right merchants, sharpen your pitch, and move deals to funded faster than anyone else in the ...

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 Sep 6, 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, 2% Part Time, and 3% Contract. Highlights an 77% Physical, 8% Hybrid, and 15% Remote job distribution, with an average salary of $77,033 per year, or $37 per hour.

VP Merchant Risk Operations

Paysafe

Jacksonville, FL • On-site

Full-time

This job post has expired today. Applications are no longer accepted.

Key responsibilities

  • Lead the global Merchant Risk Operations function across underwriting, onboarding, merchant review, portfolio monitoring, and risk investigations.

  • Ensure operational performance aligns with risk policies, governance frameworks, and risk appetite.

  • Build scalable operating procedures, quality assurance frameworks, and operational controls to support decisioning and portfolio protection.

Job description

VP Merchant Risk Operations
About PaysafePaysafe is a global payments platform powering the experience economy, with a strong focus on the iGaming, video gaming, e-commerce, retail, travel and hospitality sectors. With 30 years of expertise in payment technology, Paysafe helps businesses and consumers lift every experience through seamless, secure payment solutions, including card payments, digital wallets such as Skrill, eCash solutions like PaysafeCard, and a suite of local payment methods. With approximately 2,900 employees across 12 countries and annualized transactional volume of $167 billion in 2025, Paysafe connects people and businesses worldwide through innovative digital payment experiences.
Role Summary
The VP, Merchant Risk Operations is responsible for leading the operational delivery of Paysafe's Merchant Risk function across the merchant lifecycle. The role is accountable for operational performance, service quality, capacity planning, operational controls, workforce capability and continuous improvement across underwriting, onboarding, merchant due diligence, portfolio monitoring and risk investigations.
Working closely with Merchant Risk Strategy, Commercial, Product, Compliance, Fraud and Technology, the VP ensures operational execution aligns with risk appetite while delivering an efficient merchant experience.
We encourage our employees to embrace our flexible working approach. You will be expected to work from home and spend an average of three days a week at our Jacksonville, Florida office as part of our hybrid work model.
The Opportunity
Paysafe operates in a dynamic payments environment where Merchant Risk Operations must be disciplined, scalable and commercially enabling. This role offers the opportunity to lead a business-critical global operations function at scale, ensuring execution is consistent, controlled and efficient across the merchant lifecycle.
The successful candidate will bring a modern operations leadership perspective, with experience using data, workflow, automation, AI-enabled decision support and cross-functional partnership to improve speed, quality, productivity and merchant outcomes. They will be a credible and proven transformation leader who can balance operational delivery with strategic input, influence executive stakeholders and lead distributed teams through change with clarity and confidence.
Key Accountabilities
  • Lead the global Merchant Risk Operations function, ensuring consistent operational delivery across underwriting, onboarding, merchant review, portfolio monitoring and risk investigations.
  • Deliver operational execution in line with established risk policies, governance frameworks and risk appetite.
  • Own operational performance across Merchant Risk Operations, including productivity, quality, SLAs, backlog management and service delivery.
  • Build scalable operating procedures, quality assurance frameworks and operational controls that support consistent decisioning and strong portfolio protection.
  • Lead workforce planning, organisational design and capacity management across global teams.
  • Drive continuous improvement through Lean, automation, workflow optimisation and AI-enabled decision support.
  • Develop operational KPIs and management reporting to improve efficiency, consistency and customer outcomes.
  • Act as senior operational escalation for complex merchant reviews and high-impact risk events, balancing commercial judgement with strong portfolio protection.
  • Partner with Technology to automate manual activities, improve straight-through processing and strengthen operational scalability.
  • Build and lead a high-performing global Merchant Risk Operations organisation, creating a culture of accountability, operational excellence, continuous improvement and customer focus.

Experience and Background
  • 10+ years of experience in Payments, Banking, Risk, Fraud, Compliance or Transformarion.
  • At least 3 years of experience managing large Merchant Risk Operations, Payments Operations, Acquiring Operations or Risk Operations teams across multiple regions, including leaders of leaders and distributed organisations.
  • Experience owning operational KPIs, SLAs, quality, productivity, service delivery and backlog management in a scaled environment.
  • Experience improving operational efficiency through automation, workflow redesign, process optimisation and technology enablement.
  • Experience scaling operational functions during periods of growth, complexity or increased transaction volume.
  • Strong understanding of merchant underwriting, onboarding, KYC / KYB, due diligence, portfolio monitoring, merchant review, fraud escalation and operational controls.
  • Experience partnering with Merchant Risk Strategy, Commercial, Product, Compliance, Fraud and Technology to support responsible growth while maintaining appropriate risk controls.
  • Proven experience leading operational transformation through process optimisation, workflow redesign, automation, AI and technology to improve efficiency, quality and scalability.
  • Experience communicating to ExCo, Board, Regulators and Banking Partners with the ability to translate complex operational and risk topics into clear, pragmatic business recommendations.
  • Bachelor's degree required with MBA or Master's degree preferred.

Why Join
  • Lead one of the most rapidly transforming Merchant Risk Operations teams in global payments powering the experience economy.
  • Build the future operating model through automation, AI and operational excellence.
  • Drive measurable improvements in quality, productivity and merchant experience.
  • Influence how Merchant Risk Operations supports Paysafe's continued growth globally.

Our values and culture are driven by Equality, Development, Social Responsibility and Wellbeing. If you want to find out more about life at Paysafe, check out our careers page here.
Equal Employment Opportunity Paysafe provides equal employment opportunities to all employees, and applicants for employment, and prohibits discrimination of any type with regard to ethnicity, religion, age, sex, national origin, disability status, sexual orientation, gender identity or expression, or any other protected characteristics. This policy applies to all terms and conditions of recruitment and employment. If you need any reasonable adjustments please let us know. We will be happy to help and look forward to hearing from you.

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