Payment Processing and Merchant Onboarding Specialist- (Hybrid- Costa Mesa, CA)

e.biT Consulting; Costa Mesa (CA); On-site; USD 65,000 - 90,000; Full time

Job summary

e.biT Consulting is seeking a Payment Processing and Merchant Onboarding Specialist to support new merchant onboarding and ongoing account servicing in a fintech environment.

You will work directly with sponsor banks, review documents, assess risk, and ensure compliance while maintaining strong client communications. This role emphasizes organization, problem-solving, and data privacy.

Qualifications

• Prior experience in payment processing, fintech, or merchant services.
• Familiarity with underwriting concepts and risk assessment.
• Knowledge of KYC/KYB, BSA/AML basics, NACHA rules a plus.
• Experience coordinating with banking partners on account issues and reporting.

Responsibilities

• Review and collect client documentation (licenses, financials, ownership info).
• Manage multi-step onboarding pipeline to keep files moving without dropping details.
• Evaluate risk (industry type, transaction history) as part of underwriting new merchants.
• Communicate clearly with clients and banks in writing and verbally.

Skills

Attention to detail

Onboarding pipeline management

Risk assessment

Bank correspondence

Documentation review

Tools

CRM software

e-signature tools

Excel basics

Job description

Payment Processing and Merchant Onboarding Specialist

Core Experience/Background

• Prior experience in payment processing, payments, or merchant services (fintech, payment processor, ISO, or bank operations background would be nice)
• Familiarity with underwriting concepts — risk assessment, financial statement review, credit/business verification
• Experience with KYC/KYB, BSA/AML compliance basics, and NACHA rules a plus
• Comfortable working directly with banking partners/sponsor banks on account issues, exceptions, and reporting

Role-Specific Skills

• Strong attention to detail for reviewing and collecting client documentation (business licenses, voided checks, financial statements, ownership/beneficial owner info, etc.)
• Ability to manage a multi-step onboarding pipeline and keep client files moving without dropping details
• Comfortable evaluating risk (industry type, transaction volume, processing history) as part of underwriting new merchants
• Clear written and verbal communication for client-facing support and bank correspondence

Soft Skills/Work Style

• Highly organized, able to juggle multiple client files/tasks simultaneously
• Self-starter who can handle recurring administrative work without heavy oversight
• Professional phone/email presence for client and bank interactions
• Problem-solver who can de-escalate client issues and follow up until resolved
• Trustworthy with sensitive financial and personal data (SSNs, EINs, bank account info)

Technical/Tools

• Comfortable with CRM or onboarding software, e-signature tools (DocuSign, etc.), and standard office software
• Basic Excel proficiency for tracking, reporting, or reconciliation tasks
• Ability to learn payment processing platforms/portals quickly

Nice-to-Haves

• Existing relationships or familiarity with sponsor banks/ACH network
• Notary or ability to become notarized (sometimes useful for docs)
• Bilingual, if your client base benefits from it