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

e.biT Consulting; Costa Mesa (CA); On-site; USD 70,000 - 90,000; Full time

Job summary

e.biT Consulting is seeking a Payment Processing and Merchant Onboarding Specialist to support onboarding and underwriting for new merchants. The role focuses on collecting documentation, evaluating risk, and liaising with banking partners to ensure smooth onboarding.

The ideal candidate demonstrates strong organizational skills, clear communication, and discretion with sensitive financial data, while quickly learning payment platforms and onboarding tools.

Qualifications

• Experience in payment processing, merchant services, or fintech operations.
• Familiarity with underwriting concepts (risk assessment, financial statement review, credit/business verification).
• Knowledge of KYC/KYB, BSA/AML basics, and NACHA rules is a plus.
• Comfort working with banking partners/sponsor banks on account issues, exceptions, and reporting.

Responsibilities

• Review and collect client documentation (business licenses, financial statements, ownership info).
• Manage a multi-step onboarding pipeline and keep client files moving without dropping details.
• Evaluate risk (industry type, transaction history) as part of underwriting new merchants.
• Maintain clear written and verbal communication for client-facing support and bank correspondence.

Skills

Attention to detail

Onboarding pipeline management

Risk assessment

Communication skills

Organization

Self-starter

Client communications

Tools

CRM

DocuSign

Excel

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