Merchant Onboarding Specialist

Most merchant applications that get declined were not bad businesses. They were incomplete files — a voided cheque that did not match the legal name, ownership percentages that did not add up, a business description too vague to categorise.

This role catches all of that before the sponsor bank ever sees it. You review incoming applications, check the documents, chase what is missing, and decide which underwriting desk a file should go to given the industry and the risk profile.

You are not the underwriter and you do not approve anything. You are the reason the approval comes back in 24 hours instead of six days.

What you will do

• Review incoming merchant applications for completeness and consistency
• Verify business details, ownership structure and settlement banking
• Request missing documents from merchants and agents and follow up until they arrive
• Assess which underwriting desk suits a file based on industry and risk profile
• Submit complete files and track them through to a decision
• Keep the agent or sales rep updated so they are not chasing you
• Maintain notes in the back office so anybody can pick up a file

What we are looking for

• Authorized to work in the United States
• Based in the United States
• Able to pass a background check after an offer is made
• 1+ year in an operations, onboarding, underwriting support, compliance or documentation role
• Genuinely careful with detail — this job is checking things properly
• Clear written English for chasing documents without annoying people
• Able to work US business hours

Nice to have

• Experience with merchant onboarding, KYC/KYB, or bank account opening
• Familiarity with business formation documents and tax IDs
• Worked with an underwriting or risk team before

Pay

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Benefits

• Remote, fixed weekday hours
• Full training on card-brand risk tiers and underwriting requirements
• Real ownership of the pre-approval process rather than a slice of it
• Direct access to the owner