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Merchant Underwriting Jobs (NOW HIRING)

Kurvpay

Senior Underwriter

California, MO · On-site

$70K - $80K/yr

Job Requirements * 5+ years of payments / merchant underwriting experience, including a minimum of 3 years managing high risk and/or high-volume merchants. * Demonstrated experience analyzing ...

Kurvpay

$70K - $80K/yr

Job Requirements * 5+ years of payments / merchant underwriting experience, including a minimum of 3 years managing high risk and/or high-volume merchants. * Demonstrated experience analyzing ...

PaymentCloud Inc.

Senior Underwriter

Los Angeles, CA · On-site

$70K - $80K/yr

Job Requirements * 5+ years of payments / merchant underwriting experience, including a minimum of 3 years managing high risk and/or high-volume merchants. * Demonstrated experience analyzing ...

NACBA

This job is responsible for underwriting and structuring complex credit transactions with minimal ... This role reports to the Merchant Services Global Banking Credit Manager or Executive and will be ...

KURV

Merchant Underwriter

Cleveland, OH · On-site

The primary focus of the Merchant Underwriter is to review, analyze and make confident decisions ... Job Requirements: 3 years' experience in a commercial underwriting environment Typing 50+ WPM or ...

Kurv

Merchant Underwriter

Cleveland, OH · On-site

The primary focus of the Merchant Underwriter is to review, analyze and make confident decisions ... Job Requirements: · 3 years' experience in a commercial underwriting environment · Typing 50+ WPM ...

KURV

Senior Merchant Underwriter

Cleveland, OH · On-site

$95K - $113K/yr

About the job The primary focus of the Senior Merchant Underwriter is to review, analyze and make ... Ensure all underwriting activities comply with company policies, industry regulations, and legal ...

Kurv

Senior Merchant Underwriter

Cleveland, OH · On-site

$95K - $112K/yr

The primary focus of the Senior Merchant Underwriter is to review, analyze and make confident ... Ensure all underwriting activities comply with company policies, industry regulations, and legal ...

Kurvpay

Merchant Underwriter

Cleveland, OH · On-site

FinanceThe primary focus of the Merchant Underwriter is to review, analyze and make confident ... Job Requirements * 3 years' experience in a commercial underwriting environment * Typing 50+ WPM or ...

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Merchant Underwriting information

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$48K

$103.1K

$158.5K

How much do merchant underwriting jobs pay per year?

As of Sep 11, 2026, the average yearly pay for merchant underwriting in the United States is $103,082.00, according to ZipRecruiter salary data. Most workers in this role earn between $77,000.00 and $121,000.00 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.

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What cities are hiring for Merchant Underwriting jobs?

Cities with the most Merchant Underwriting job openings:

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Merchant Underwriting jobs near you
Infographic showing various Merchant Underwriting job openings in the United States as of September 2026, with employment types broken down into 95% Full Time, 3% Part Time, and 2% Contract. Highlights an 68% Physical, 7% Hybrid, and 25% Remote job distribution, with an average salary of $103,082 per year, or $49.6 per hour.

Senior Underwriter

California, MO • On-site

Kurvpay
See more jobs at Kurvpayexternal

$70K - $80K/yr

Other

Posted 10 days ago

Key responsibilities

  • Review, analyze, and make credit risk decisions and recommendations for merchant applications and existing merchant accounts, focusing on medium and high-risk merchants.

  • Evaluate forward-delivery risk exposure and recommend approval terms such as reserve, escrow, or collateral requirements.

  • Serve as an escalation point and provide guidance to junior underwriters on complex or high-risk applications.

Job description

Job Details

Job Location: Payment Cloud Encino - Encino, CA 91436

Salary Range: $70,000.00 - $80,000.00 Salary/year

Travel Percentage: No Travel

Job Category: Finance

The primary focus of the Senior Merchant Underwriter is to review, analyze, and make confident credit risk decisions and recommendations for merchant applications and existing merchant accounts, with an emphasis on medium and high-risk; including high volume, e-commerce, and forward-delivery business models eg. Travel.

The ideal candidate is a qualified and experienced payments underwriter with a proven track record with underwriting high-risk merchants in a timely manner, and who is comfortable operating with significant independent decision authority while also supporting the development of less experienced team members.

The successful candidate will understand and apply best-practice guidelines; collect and analyze credit exposure; respond effectively to internal and external requests; maintain organizational and professional ethical standards; spot trends in synthetic fraud and merchant risk; and communicate results to partner clients - all while actively advocating and monitoring compliance.

Key ResponsibilitiesCredit Risk Assessment
  • Conduct detailed credit / financial analysis of merchants which have forward delivery exposure such as travel, furniture, and consulting services.
  • Evaluate forward-delivery risk exposure — i.e., risk arising when a merchant collects payment in advance of delivering products/services — and recommend appropriate approval terms such as reserve, escrow, or collateral requirements.
  • Prepare detailed reports and present findings and recommendations to senior management.
Risk Mitigation Decision Making & Authority
  • Mitigate risk with approval terms including recommending periodic reviews, reserve levels, or processing limits.
  • Provide recommendations for approval to higher management when applications fall outside personal authority limits.
  • Work closely with the transaction risk team to ensure credit decisions align with transaction processing and ongoing account risk.
Team Support & Mentorship
  • Serve as an escalation point and subject-matter resource for Underwriter I/II staff on complex or high-risk applications.
  • Review and provide QA feedback on underwriting decisions made by junior team members as needed.
  • Assist in training new underwriters on risk factors and underwriting methodology for high-risk merchants.
Relationship Management
  • Build and maintain strong relationships with key stakeholders, including sales partners, sponsor banks, and internal teams.
Compliance and Reporting
  • Ensure all underwriting activities comply with company policy, card network rules, industry regulations, and legal requirements.
  • Maintain accurate records of credit decisions and ensure proper documentation of all underwriting activities.
Job Requirements
  • 5+ years of payments / merchant underwriting experience, including a minimum of 3 years managing high risk and/or high-volume merchants.
  • Demonstrated experience analyzing individual and company credit reports and interpreting financial statements.
  • Working knowledge of card network high-risk/high-brand-risk merchant monitoring programs and related compliance obligations.
  • Thorough understanding of merchant risk fees, dispute processes, and network registration requirements.
  • Strong analytical and financial review skills
  • Strong written and verbal communication skills, including experience presenting findings to senior management.
  • Demonstrated ability to mentor or provide guidance to junior underwriting staff.
  • Bachelor’s degree in Business, Finance, or related field preferred (or equivalent work experience).
  • Ability to operate independently under designated approval authority while maintaining sound judgment and compliance standards.
  • Underwrite and decision applications in a fast-paced environment, meeting departmental SLAs while maintaining accuracy.
Qualifications
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