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Remote Merchant Underwriter Jobs in Arizona (NOW HIRING)

Remote Merchant Underwriter information

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 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 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.

What are popular job titles related to Remote Merchant Underwriter jobs in Arizona?

For Remote Merchant Underwriter jobs in Arizona, the most frequently searched job titles are:

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

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

Infographic showing various Remote Merchant Underwriter job openings in Arizona as of August 2026, with employment types broken down into 91% Full Time, 6% Part Time, 2% Temporary, and 1% Contract. Highlights an 93% Physical, 2% Hybrid, and 5% Remote job distribution.

Lead Software Engineer - Payments (Remote)

First Citizens Bank

Phoenix, AZ • On-site, Remote

$145K - $175K/yr

Full-time

Posted 7 days ago


First Citizens Bank rating

7.4

Company rating: 7.4 out of 10

Based on 106 frontline employees who took The Breakroom Quiz

106th of 171 rated banks


Job description

Overview
This is a remote role open for multiple markets across the United States.
We are looking for a hands-on Lead Software Engineer to join our growing Corporate Credit Card delivery team, which provides technology solutions and integration services in following areas: Corporate Credit Cards, Credit Card Risk Underwriting, Credit Card Portfolio Management, and Merchant Services.
We have a highly engaged team of engineers and are driving a new custom developed platform and implementing automated testing on all newly developed projects. Come join us as part of this exciting space where you can dig in the details with other developers and the business, as well as have fun sharpening your technical skills and designing solutions for problems that don't yet have answers. We are looking for people who have a passion for development and leading teams.
The ideal candidate is a seasoned software developer with a history of operating in large enterprise environment who has designed and led implementation of medium to large sized systems. Banking experience is preferred, but not necessary. This individual would have tangible examples of how they have led development teams to successful deployments, coached and mentored senior developers, and have driven an enterprise level design of a system(s). They will also be able to clearly communicate and express complex ideas not only with tech leads and team members, but also business product owners, as well as external teams, while establishing a working relationship built on trust through delivery.
Responsibilities
The Lead Software Engineer will be responsible for all software aspects within the domain including research, design, technology insertion, development, testing and support.
  • Partner with the business and architects to design and develop technical solutions that meet user needs with respect to functionality, performance, scalability, and reliability.
  • Lead multiple tech leads who oversee SCRUM teams within the domain providing coaching, and an escalation path for troubleshooting.
  • Drives domain wide change initiatives improving quality, speed, and throughput of the shop.
  • Oversee proactive maintenance on our existing Iaas/SaaS and on premise applications within the Digital, Cards, Risk, and Merchant Services to ensure our mission critical systems remain stable, are able to scale as our business grows, and remain fit-for-purpose.
  • Coordinate and assist with troubleshooting of code defects, data errors and configuration problems to determine the origin of application error.
  • Know how to support Business critical/ complex applications.
  • Exercises Judgement within defined procedures and practices to determine appropriate action.
  • Drive departmental best practices, guidelines implementation and adhere to standards.
  • Show expertise in designing and developing real-time integrations, file-based integrations and be able to optimize the use of database level processing.
  • Demonstrate empathy with developer and poses an innate desire to create a superlative developer experience down to the last detail.
  • Have a deep love of building elegant, maintainable, well-documented, secure code.
  • Always work to improve oneself and constructively support the team around them.

Qualifications
Bachelor's Degree and 6 years of experience in Software application development and maintenance OR High School Diploma or GED and 10 years of experience in Software application development and maintenance
Preferred Qualifications
  • Intermediate to Strong experience designing or modifying modern microservice based systems
  • Advanced interpersonal skills including communication and negotiation
  • Advanced knowledge and experience with Java 11+
  • Advanced knowledge and experience with Standard Design Patterns such as Factories, Command, Facade, Adapter, and more.
  • Advanced knowledge and experience with OOD/OOA
  • Advanced knowledge and experience with Spring and Spring Boot frameworks
  • Advanced knowledge and experience with REST and APIs
  • Advanced knowledge and experience with Unit Test and Mocking frameworks
  • Advanced knowledge and experience with git
  • Advanced knowledge and experience with Postman
  • Advanced knowledge and experience with Docker and Kubernetes
  • Advanced knowledge and experience with Scrum and Agile
  • Advanced knowledge and experience with wikis

Preferred Experience
  • Automation Testing Framework Development
  • React UI Development
  • Gitlab Pipeline Development

This job posting is expected to remain active for 45 days from the initial posting date listed above. If it is necessary to extend this deadline, the posting will remain active as appropriate. Job postings may come down early due to business need or a high volume of applicants.
The base pay for this position is generally between $145,000 and $175,000. Actual starting base pay will be determined based on skills, experience, location, and other non-discriminatory factors permitted by law. For some roles, total compensation may also include variable incentives, bonuses, benefits, and/or other awards as outlined in the offer of employment.
Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at https://jobs.firstcitizens.com/benefits.

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