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    • The Merchant Services Underwriter is responsible for evaluating merchant applications for credit card, debit card, e-wallet, and payment processing services.
    • View all Paystreams jobs - Work from Home jobs - Merchant Underwriter jobs in Work from Home
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Job Post Details

Underwriter Merchant Services
Paystreams
Remote
PHP 50,000 - PHP 80,000 a month
Full-time
Apply now

Job details

PHP 50,000 - PHP 80,000 a month
Full-time
Remote

Full job description

Job Summary

The Merchant Services Underwriter is responsible for evaluating merchant applications for credit card, debit card, e-wallet, and payment processing services. We are looking for someone to work the 9 am - 5 pm EST hours.

Key Responsibilities

  • Review and assess merchant applications for payment processing and acquiring services.
  • Analyze business permits, SEC/DTI registrations, bank statements, financial statements, and supporting documentation.
  • Conduct risk assessments based on industry type, business model, transaction volume, average ticket size, and processing history.
  • Perform Know Your Customer (KYC) and Anti-Money Laundering (AML) reviews in accordance with Bangko Sentral ng Pilipinas (BSP) regulations.
  • Verify merchant identity, beneficial ownership, and business legitimacy.
  • Evaluate high-risk industries and recommend appropriate controls or risk mitigation measures.
  • Approve, decline, or conditionally approve merchant applications within assigned authority limits.
  • Recommend processing limits, reserves, settlement holds, and other risk controls when necessary.
  • Monitor merchant portfolios for suspicious activity, excessive chargebacks, fraud trends, and compliance risks.
  • Ensure adherence to Visa, Mastercard, JCB, UnionPay, and company underwriting guidelines.
  • Collaborate with Sales, Compliance, Risk, Operations, and Relationship Management teams.
  • Maintain accurate underwriting records and audit documentation.
  • Assist with internal and external compliance audits.

QualificationsEducation

  • Bachelor's degree in Finance, Accounting, Business Administration, Economics, Banking, or a related field.

Experience

  • 2 to 5 years of experience in:
  • Merchant acquiring
  • Payment processing
  • Underwriting
  • Risk management
  • Banking operations
  • Credit analysis

Knowledge and Skills

  • Understanding of merchant acquiring and payment processing industry.
  • Knowledge of KYC, AMLA regulations, and BSP compliance standards.
  • Familiarity with Visa and Mastercard merchant regulations.
  • Experience reviewing financial statements and bank records.
  • Strong analytical and risk assessment skills.
  • Proficiency in Microsoft Excel, Word, and reporting tools.
  • Excellent communication and decision-making abilities.
  • Strong attention to detail and organizational skills.

Preferred Qualifications

  • Experience with acquirer banks, payment gateways, fintech companies, or merchant service providers.
  • Knowledge of fraud detection tools and chargeback management.
  • Background in e-commerce, digital payments, or financial services underwriting.
  • Certification or training in AML, compliance, or risk management is an advantage.

Pay: Php50,000.00 - Php80,000.00 per month

Work Location: Remote

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