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Remote Merchant Underwriter Jobs (NOW HIRING)

Craft Recruiting

MCA Underwriter

Lakehurst, NJ · On-site +1

$50K - $80K/yr

We're collaborating with an established merchant cash advance (MCA) provider to add an Underwriter ... hybrid office/remote environment Skills and Competencies Required: • nalytical mindset for ...

Kapitus

Underwriter II

Los Angeles, CA · On-site +1

$55.80K - $86.10K/yr

Communicate with sales organizations, sales managers, and merchants in both written and verbal form ... Consideration will be given to qualified remote candidates residing in states where Kapitus and/or ...

Maverick Payments

Underwriting Analyst II

Calabasas, CA · On-site +1

$29 - $33/hr

Our payment products include merchant acquiring services, a proprietary gateway, ACH processing ... This position will consider remote telework for candidates in the following states: AZ, CA (outside ...

Quilt Software

Director, Risk and Fraud

New York, NY · On-site +1

Lead merchant underwriting operations end-to-end - credit review, risk decisioning, exposure ... Remote, based in the United States Applicants must be authorized to work for any employer in the U.

Quilt Software

Director, Risk and Fraud

New York, NY · Remote

Lead merchant underwriting operations end-to-end -- credit review, risk decisioning, exposure ... Remote, based in the United States Applicants must be authorized to work for any employer in the U.

Qu, Inc.

Merchant & Payments Onboarding Manager

Coordinate applications, KYC/KYB verification, underwriting, and processor setup * Configure ... Support device provisioning, remote configuration and activation workflows * Validate payment flows ...

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 ...

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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 May 31, 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 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 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 are Remote Merchant Underwriters?

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 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 May 2026, with employment types broken down into 100% Full Time. Highlights an 100% Physical job distribution, with an average salary of $78,878 per year, or $37.9 per hour.
Territory Contract Underwriter

Territory Contract Underwriter

Merchants Bonding Company

San Francisco, CA • On-site, Remote

Full-time

Medical, PTO

Posted 16 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.

Territory Contract Underwriter

Job Purpose

A Territory Contract Underwriter evaluates and underwrites contract 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. 

Core Work Responsibilities

Underwriting Analysis and 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 – Contract Underwriting.
  • Reviews agent submissions/applications and assures that business statements, personal statements, and work-on hand schedules are analyzed and noted properly. Accurately evaluates for future profit or loss potential and verifies appropriate rates for the risk. Obtains background information and references in order to analyze and properly evaluate the risk. Prepares contract bond quotations. Responds to questions regarding the proposed program and rate.
  • Creates year end updates on accounts and provides direction to the agent regarding further handling of the account.
  • Assures an accurate count of our contract bond backlog by keeping existing files and the status of existing bonds up to date. Maintains current File Notes, reflecting significant events and important information regarding the account.
  • Reviews specific contract bond forms and contracts to assess acceptability of risk. Recommends potential contract wording or revisions to make the risk more acceptable to the Company. 
  • Presents account terms and conditions properly so they are easily distinguishable and understood.
  • Maintains current data on Underwriting Information Sheet for all major accounts.
  • Serves as backup to other team underwriters in their absence to respond to client questions and issues. 
  • Works effectively within their assigned level of authority. Prepares documented recommendations on requests that are outside their level of authority. 
  • Prepares quarterly team production reports and travel recaps based on team specifications.

Marketing and Relationship Building

  • Maintains positive relationships with existing agencies and major accounts, including regular on-site visits. Continues to build premium and business opportunities with key agents and accounts.  Solicits feedback regarding our service levels and performance. 
  • Maintains current account and relationship information. Completes meeting summaries in a timely fashion. 
  • Develops new business opportunities by prospecting for new agency relationships. Effectively utilizes marketing materials in presentations, proposals, and other marketing efforts.
  • Represents Merchants Bonding and their interests professionally at industry functions. Networks with industry peers and experts to stay up-to-date on industry developments and potential legislative issues.
  • Plans and manages effective meetings with agents and/or contractors using effective meeting management tools. 
  • Establishes and achieves quarterly and annual production goals. Typically handles up to $1.5 million in production.

Qualifications

  • Bachelor’s degree or equivalent work experience in business, underwriting, insurance, or a related field, plus 3-6 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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