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Remote Merchant Underwriter Jobs (NOW HIRING)

North American Bancard

Manager, Merchant Operations

Manager, Merchant Operations PayTrace - Remote PayTrace by North - Payment and ACH processing ... Coordinate internally with Sales, Underwriting, and Client Services, and externally with resellers ...

PAR Technology

Payments Manager, Merchant Onboarding

$90K - $107K/yr

Remote United States Reports To: General Manager, Payments & Ordering What We're Looking For ... Coordinate across Sales, Underwriting, Compliance, and Product to keep onboarding timelines on ...

Payliance

Merchant Activation Specialist

$65K - $75K/yr

... merchant. • Coordinate with Underwriting, Operations, and Sales to resolve onboarding ... Work Environment Remote-first with collaboration across U.S. time zones. Occasional travel may be ...

Easy Pay Direct

Certified Payment Specialist

Austin, TX · On-site +1

In this role, you will onboard qualified merchants, work with underwriters, help new clients go ... Remote Role, but willing to support and assist anyone open to relocating to Austin TX. Minimum ...

Huntington

Credit Coordinator

Hagerstown, MD · On-site +1

The Credit Coordinator supports the Merchant Services Risk & Underwriting team by conducting credit ... Remote roles will also have the opportunity to come together in our offices for moments that matter.

New

Huntington

Credit Coordinator

Hagerstown, MD · On-site +1

The Credit Coordinator supports the Merchant Services Risk & Underwriting team by conducting credit ... Remote roles will also have the opportunity to come together in our offices for moments that matter.

New

Huntington

Credit Coordinator

Hagerstown, MD · On-site +1

The Credit Coordinator supports the Merchant Services Risk & Underwriting team by conducting credit ... Remote roles will also have the opportunity to come together in our offices for moments that matter.

New

Axiom Bank

Senior Partner Risk Officer

Maitland, FL · On-site +1

... controls, merchant underwriting practices, and portfolio composition on a defined review cycle ... We will consider fully remote in the following states: Alabama, Florida, California, Georgia ...

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Remote Merchant Underwriter information

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$32.5K

$78.9K

$139.5K

How much do remote merchant underwriter jobs pay per year?

As of Aug 17, 2026, the average yearly pay for remote merchant underwriter in the United States is $78,878.00, according to ZipRecruiter salary data. Most workers in this role earn between $61,000.00 and $87,000.00 per year, depending on experience, location, and employer.

What are some common challenges remote merchant underwriters face when evaluating merchants online?

Remote Merchant Underwriters often encounter challenges such as verifying the legitimacy of businesses without in-person interactions, identifying potential fraud risks, and ensuring compliance with regulatory standards across various regions. Working remotely may require greater reliance on digital tools for gathering and analyzing documentation, making effective communication with merchants and internal teams crucial. Staying updated on evolving industry trends and risk indicators is also important to make informed, accurate underwriting decisions.

What is a remote merchant underwriter?

Remote Merchant Underwriters are professionals who assess the risk and creditworthiness of businesses applying for merchant accounts, typically for processing credit card transactions. Working remotely, they review financial documents, business histories, and industry data to determine whether to approve or deny merchant account applications. Their role is critical in helping financial institutions manage risk and prevent fraud. Remote Merchant Underwriters use specialized software and communicate with clients and internal teams virtually to perform their duties efficiently.

What are the key skills and qualifications needed to thrive as a remote merchant underwriter, and why are they important?

To thrive as a Remote Merchant Underwriter, you need a solid understanding of credit risk analysis, financial statement review, and underwriting principles, typically supported by a degree in finance, business, or a related field. Familiarity with underwriting software, payment processing systems, and compliance tools like Know Your Customer (KYC) platforms is essential. Strong analytical thinking, attention to detail, and effective communication skills help you assess risk accurately while working independently and collaborating with remote teams. These skills ensure sound risk decisions, regulatory compliance, and the protection of financial institutions from potential losses.

What is the difference between Remote Merchant Underwriter vs Remote Credit Analyst?

AspectRemote Merchant UnderwriterRemote Credit Analyst
Required CredentialsTypically requires underwriting certifications, finance or business degreesOften requires finance, accounting, or economics degrees
Work EnvironmentRemote, within financial or lending companiesRemote, within banking or financial institutions
Industry UsageUsed in merchant services, payment processing, and lendingCommon in banking, investment, and lending sectors
Comparison Search IntentUnderstanding underwriting roles in merchant servicesEvaluating credit analysis positions in finance

Remote Merchant Underwriters and Remote Credit Analysts both assess financial information but focus on different areas. Merchant underwriters evaluate merchant applications for payment processing and merchant accounts, while credit analysts analyze credit data for lending decisions. Both roles require financial knowledge and often similar certifications, but they serve distinct functions within the financial industry.

More about Remote Merchant Underwriter jobs

What cities are hiring for Remote Merchant Underwriter jobs?

Cities with the most Remote Merchant Underwriter job openings:

What are the most commonly searched types of Merchant Underwriter jobs?

The most popular types of Merchant Underwriter jobs are:

What states have the most Remote Merchant Underwriter jobs?

States with the most job openings for Remote Merchant Underwriter jobs include:

What job categories do people searching Remote Merchant Underwriter jobs look for?

The top searched job categories for Remote Merchant Underwriter jobs are:

Remote Merchant Underwriter jobs near you
Infographic showing various Remote Merchant Underwriter job openings in the United States as of August 2026, with employment types broken down into 95% Full Time, and 5% Contract. Highlights an 100% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.

Territory Underwriter - Commercial Surety (Boston, MA)

Merchants Bonding Company

Boston, MA • On-site, Remote

Full-time

Medical, PTO

Re-posted 19 days ago

Job description

Say Yes to the Best Career Opportunities

Merchants Bonding Company™ is hiring professionals who value clarity, collaboration, and opportunities to make an impact. Our team is growing, and we’re looking for people who thrive in a fast-moving environment built on common sense underwriting and first-class experiences. If you're ready for the next step in your career with a team that says yes to the best, this is your opportunity.

Job Purpose:

A Territory Underwriter – Commercial evaluates and underwrites Commercial surety bonds submitted to the Company within established parameters and guidelines, contributes to a profitable surety operation and to the marketing of other lines of business.

Job Responsibilities:

Underwriting Analysis & Documentation:

  • Determines the acceptability of surety risks, based on the Merchant’s guidelines and marketing strategy. Operates within the authority established by the Senior Vice President – Commercial Underwriting. 
  • Reviews new submissions and analyzes financial statements, applications, court documents, bond forms, statutes, and indemnity agreements to determine the commercial surety risk and then approves or denies the bond based on the risk analysis up to the authority granted. Accurately evaluates for future loss potential. Obtains information in order to analyze and properly evaluate the risk.
  • Reviews underwriting files at renewal for the purpose of analyzing risk and determining whether to renew or deny the bond(s). 
  • Documents commercial underwriting files and principal files with notes and supporting documentation to detail the underwriting decision.

Marketing & Relationship Building:

  • Maintains positive relationships with existing agencies, including regular on-site visits. Continues to build premium and business opportunities. Solicits feedback regarding our service levels and performance.
  • Maintains current account and relationship information. Follows up on leads for commercial bonding opportunities for the purpose of generating written premium.
  • Develops new business opportunities by prospecting for new agency relationships. Effectively utilizes marketing materials in presentations, proposals, and other marketing efforts

Forms and Underwriting Opinions

  • Reviews bond forms and/or statutes in order to form underwriting opinions.
  • Adjusts forms, opinions, rate cards and materials to reflect legislative changes. 

Education and Experience:

  • Bachelor’s degree or equivalent work experience in business, underwriting, insurance, or a related field, plus 3-5 years of experience in bond underwriting or a similar role in the Surety industry. Coursework in math, statistics, and financial analysis would be helpful.

Benefits at Merchants

At Merchants, we value balancing the needs of our associates and their families. We offer a wide range of benefits designed to help achieve a healthy work-life balance and support personal and professional growth. In addition to competitive pay, bonus programs, and generous paid-time off, here are a few stand-out benefits:

  • Flexible hybrid and remote opportunities with 37.5 hour work week
  • Free health insurance option
  • Paid volunteer time off with matching gift program
  • Infants in the Workplace Program with family resources
  • Discover more at: https://www.merchantsbonding.com/careers#Benefits

About Merchants

For nearly a century, Merchants Bonding Company has focused almost exclusively on surety, delivering common sense underwriting and first-class experiences to agents, accounts, and associates across the country. Merchants stands apart from multi-line carriers by offering deep surety expertise, a flexible approach, and strong financials that instill confidence and foster lasting partnerships.

Our people-first culture is built on collaboration, inclusion, and shared success. We’re committed to helping associates grow through real opportunities for advancement, while supporting a sense of belonging.

If you're looking to join a company that values your unique perspective, encourages new ideas, and invests in your development, apply today!

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