Remote Merchant Underwriter Jobs (NOW HIRING)

Compensation:$175,000-$200,000
Location: United States- Remote

The job

As the Director,PaymentsandRisk Operations at Buildertrend,you'llhelp shape how contractors move money with confidence while supporting our mission to change the way the world builds.You'llownpayments risk and operations, balancing smart risk decisions with business growth so our customers can get paid faster, reduce friction, and keep projects moving. This role gives you the opportunity to influencecommercialization strategy, scale operations through AI and automation, and build a high-performing team that drives measurable business results. Within your first year,you'llestablisha scalable risk operation that improves customer experience, strengthens decision making, and supportsBuildertrend'scontinued growth.

What you will do

• Own and evolveBuildertrend'send-to-end payments risk and operations strategy, including merchant onboarding, underwriting, transaction monitoring, disputes, servicing, and portfolio management.

• Build and strengthen fraud prevention and loss mitigation capabilities by creating scalable processes, continuous feedback loops, and AI-assisted solutions that improve decision making and operational efficiency.

• Evaluate, implement, andoptimizeAI-powered fraud and risk platforms to scale operations through automation whilemaintaininga high-quality customer experience.

• Lead and develop a high-performing payments risk and operations team, building the structure, processes, and capabilities needed to support long-term growth.

• Partner with Product and Engineering to embed risk controls into payment experiences, onboarding journeys, payout configurations, APIs, and risk tooling, serving as the primary risk leader throughout product development.

• Develop risk analytics and reporting that provide real-time operational insights and portfolio-level visibility, enabling leaders to make informed business and financial decisions.

• Partner closely with Compliance, Product Security, Engineering, Finance, Revenue, the General Manager, and the Senior Manager of Compliance to refine risk appetite, loss thresholds, and governance frameworks while ensuring alignment with regulatory requirements, sponsor bank expectations, and network rules.

• Embrace using AI as a tool to enhance your work, whileremainingopen to learning, applying critical thinking, and owning the quality of your final work.

Who you are and what you need

• 7+years of progressive experience leading payments risk within a vertical SaaS, marketplace, or fintech environment, witha track recordof building and owning risk strategies that support business goals.

• 3+ years ofrecenthands-on risk experience across payment processing,ACHandcheckdisbursements - including underwriting, transaction monitoring, fraud prevention, and chargeback operations.

• Experience designing and implementing AI-powered decisioning systems, automation, or fraud platforms that improve efficiency and strengthen risk management.

• A growth-oriented approach to risk management, with the ability to evaluate risk and reward, make data-driven decisions, and translate risk insights into meaningful financial and operational outcomes.

• Strong operational judgment with experience building scalable, efficient risk functions and optimizing processes without relying on large, specialized teams.

• A player-coach leadership style, with the ability to set strategy, dive into operational details when needed, and develop high-performing teams.

• Excellent communication and relationship-building skills, with experience influencing Product, Engineering, Finance, Compliance, and other cross-functional leaders to deliver practical, scalable solutions.

We are giving you:

• Exceptional health packages, including medical, dental, and vision coverage, plus life insurance and short- and long-term disability benefits

• A 401(k) plan withBuildertrendmatching contributions to help youplan for the future

• Generous paid time off, 11 paid holidays, plus personal days to make sure you have time to recharge

• Parental leave and paid sabbaticals to support you during life's big moments

• Volunteer time off because giving back matters

• Wellness program and onsite fitness center to keep you feeling your best

• Opportunities for hybrid or remote work to give you the flexibility you need

• Technology reimbursement to help cover costs for the tech you need to do your job from home

• Free daily lunches whenyou'reat our HQ office, plus monthly events to connect with your team

Who we are:

Great buildersdon'tjust manageprojects,they run successful businesses.That'swhereBuildertrendcomes in. As the leading residential construction management platform, we give contractors the power to control their financials, schedules, teamworkflowsand client relationships, all in one system. No more juggling disconnected tools orguessing onprofitability. Withnearly twodecades of industryexpertise,Buildertrendhelps builders work smarter, scalefasterand stay ahead of the competition. If you want to learn more about us, check out:https://buildertrend.com/about/

Working atBuildertrend:

AtBuildertrend, we fully recognize that we all work so we can live better lives, weappreciate and respect that this is a job and not your whole life. What makesBuildertrendso special is a commitment to ensuring you can have the best job, work with the best people, and live your best life outside of work. Our goal is to create a culture where everyone can make an impact on our customers, communities, and each other. In short: We want you to be who you are, love what you do, and build your best life.

BuildertrendSolutions, Inc. is committed to a policy of Equal Employment Opportunity and will not discriminate against an applicant or employee based on race, including natural or protective hairstyle, color, religion, creed, national origin or ancestry, ethnicity, sex (including gender, pregnancy and pregnancy-related conditions, childbirth, breastfeeding, sexual orientation, gender identity, gender expression, sexual orientation, reproductive decision-making), age, physical or mental disability, veteran or military status, genetic information, citizenship, marital status, or any other legally recognized protected basis under federal, state, or local law. The information collected by this application is solely todeterminesuitability for employment, verify identity, andmaintainemployment statistics on applicants.

Applicants with disabilities may be entitled to reasonable accommodation under the Americans with Disabilities Act and certain state or local laws. A reasonable accommodation is a change in the way things are normally done which will ensure an equal employment opportunity without imposing undue hardship onBuildertrendSolutions, Inc. Please inform the company's personnel representative if you needassistancecompleting this application or to otherwiseparticipatein the application process. To see the complete list of Essential Job Functions, visithttps://buildertrend.com/essential-job-functions-notice/

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