Merchant Risk & Underwriting Lead

Confidential Jobs; Plano (TX); Hybrid; USD 110,000 - 160,000; Full time

Job summary

Confidential Jobs in Plano, TX is seeking a Manager, Risk & Underwriting to lead merchant risk lifecycle from underwriting to ongoing monitoring and loss mitigation, ensuring SLA compliance and defensible decisions. You will supervise Risk and Underwriting teams, drive strategy, coordinate with sales, sponsors, and partners, and report on high-risk investigations.

The role requires 5+ years in merchant acquiring/payments, 2+ years of leadership, and deep knowledge of FiServ systems and ACH

Qualifications

• Minimum five (5) years of merchant acquiring and/or payment experience in a financial, ISO, PayFac, or agent environment.
• At least two (2) years of supervisory experience.
• Expert knowledge of FiServ processor systems (Access One and Merchant Manager) and First Data system required.
• ACH process experience required; PayFac experience strongly preferred.

Responsibilities

• Lead the Risk and Underwriting teams, delegating workflow and tasks for departmental success.
• Conduct quarterly and annual performance reviews of team staff.
• Develop, train, and onboard new associates within Risk and Underwriting.
• Monitor and coach underwriting of all files presented for approval and onboarding.
• Review risk team escalations and fraud investigations.
• Shadow and coach Underwriters; act as primary Underwriter for high-volume, high-risk accounts.
• Evaluate underwriting strategies and recommend changes to support revenue growth.
• Oversee merchant monitoring and risk investigations.
• Access risk systems daily to analyze merchants exceeding risk parameters.
• Review Real Time Fraud System transactions and cycle batches when merchants are cleared.
• Review Daily Chargeback Summary and delegate high-value tasks with the chargeback team.
• Contact merchants and partners directly to obtain information as needed.

Skills

Merchant acquiring experience

Supervisory experience

Analytical problem solving

Communication skills

Team collaboration

Tools

FiServ processor systems: Access One

FiServ processor systems: Merchant Manager

First Data system

ACH processing experience

Job description

Confidential Jobs in Plano, TX is seeking a Manager, Risk & Underwriting to lead merchant risk lifecycle from underwriting to ongoing monitoring and loss mitigation, ensuring SLA compliance and defensible decisions. You will supervise Risk and Underwriting teams, drive strategy, coordinate with sales, sponsors, and partners, and report on high-risk investigations.

The role requires 5+ years in merchant acquiring/payments, 2+ years of leadership, and deep knowledge of FiServ systems and ACH