Phoenix Ecommerce Technologies - Payments Analyst (High-Risk Underwriting)

• Card network rules • Processor and acquiring bank requirements • Internal risk policies • Identify emerging risks and recommend appropriate controls while maintaining accurate, audit-ready underwriting documentation. • Risk Mitigation • Develop and recommend strategies that appropriately balance merchant growth with risk. • This may include: • Reserves and rolling holds • Processing limits • Transaction monitoring • Other operational safeguards • Prepare clear underwriting summaries, risk assessments, and approval recommendations for processors, sponsor banks, and acquiring partners. • Merchant & Partner Relationships • Build trusted relationships with merchants, processors, acquiring banks, sponsor banks, ISVs, and compliance partners. • Develop a strong understanding of each merchant's: • Growth objectives • Processing challenges • Fraud and chargeback exposure • Operational risk • Serve as a strategic partner throughout the underwriting and merchant lifecycle. • Payment Performance & Merchant Growth • Help identify payment strategies that support merchant growth while maintaining responsible risk management. • Provide recommendations around: • Authorization performance • Fraud prevention • Chargeback reduction • Payment processing efficiency • Processing costs • Overall payment performance • Identify opportunities to strengthen and expand existing merchant relationships where appropriate. • Cross-Functional Collaboration • Partner closely with: • Help structure approvable merchant submissions, resolve underwriting challenges, support seamless onboarding, and communicate merchant feedback that can improve Phoenix's products and processes. • 2+ years of underwriting experience within high-risk payments, merchant acquiring, fintech, or merchant services • 3+ years of experience across payments, fintech, merchant acquiring, risk management, or financial services • Strong understanding of high-risk ecommerce and merchant risk • Experience underwriting merchants for ISVs, Payment Facilitators (PayFacs), payment gateways, embedded payment platforms, processors, or similar payments environments • Experience evaluating financial statements, bank statements, processing history, fraud exposure, and chargeback trends • Knowledge of KYC/AML requirements and acquiring bank requirements • Familiarity with Visa, Mastercard, NACHA, and PCI DSS requirements • Ability to make independent, data-driven underwriting decisions while balancing risk with business growth • Strong analytical, written, verbal, and interpersonal communication skills • Ability to operate effectively in a fast-paced, high-growth environment • Experience underwriting high-risk DTC, subscription, digital goods, or ecommerce merchants • Experience working directly with ISOs, PayFacs, processors, acquiring banks, or sponsor banks • Experience establishing reserves, rolling holds, processing limits, or other merchant risk controls • Experience with merchant portfolio monitoring and ongoing risk reviews • Experience improving or building underwriting processes rather than solely operating within established procedures • Experience working in fast-paced startup or high-growth payments environments • Strong merchant-facing or partner relationship experience • Leadership Traits We Value • Strong recruiting and talent development capabilities • Product judgment • Calm under pressure • Builder mentality • These are the values that guide how we operate: • All In to Win — Operate with urgency, intensity, and a relentless bar for excellence. • A Players Only — Only hire, develop, and keep A players. Protect talent density. • Merchant First — Merchants are why we exist. Every decision measured by merchant impact. • Entrepreneurial Spirit — Move like a Day One company. Fast, scrappy, hungry. Everyone owns. • Execution Over Ego — Best ideas win regardless of source. Status and titles do not matter. • We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.