Risk & Underwriting Specialist II

Entrata

. Underwrite merchant account applications in accordance with credit policies, industry rules, and regulatory standards .

Posted 10/21/2026full-timeRemote • United StatesJuniorMid-Level💰 $23 - $37 per hourWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in underwriting merchant account applications while adhering to credit policies and regulatory standards. Proficient in risk management, customer validation, and maintaining accurate transaction records in the payments industry.

Highest-signal resume keywords

Underwriting ExperienceRisk ManagementAnalytical SkillsMicrosoft Office ProficiencyGenAI Tools Utilization

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Underwriting PracticesPayment ProcessingQuality Assurance AuditsCustomer ValidationData ProtectionTransaction Record AccuracyProcess ImprovementFee AdjustmentsMerchant Account ManagementCompliance Checks

Soft Skills

Attention to DetailEffective CommunicationOrganizational SkillsTime ManagementProfessional Interaction

Tools & Technologies

Google SuiteAcquirer PortalInternal PlatformsGenAI Tools

Industry Keywords

Payments IndustryBankingAccountingOFAC Sanctions ListsMerchant Account Applications

About the role

Key responsibilities & impact

Underwrite merchant account applications in accordance with credit policies, industry rules, and regulatory standards
Monitor and confirm the accuracy of daily bank files and transaction records
Conduct customer validation on new and existing merchants, including screening against OFAC Sanctions Lists
Maintain and update merchant account information across internal platforms and acquirer systems
Process merchant account changes, including fee adjustments, distribution settings, and contact updates
Perform quality assurance audits of merchant configurations and settings
Respond to merchant inquiries via email within the department’s defined service level
Assist in onboarding and monitoring merchants through the acquirer portal
Support internal and external audits, including card brand reporting and compliance checks
Identify process improvement opportunities and recommend updates to standard procedures
Collaborate with team members and support special projects assigned by leadership
Manage merchant account terminations in accordance with policies and regulatory standards
Utilize approved GenAI tools to accelerate high-value deliverables
Exercise critical judgment as the human-in-the-loop by auditing AI outputs
Ensure proprietary or PII data is not exposed to unauthorized models

Requirements

What you’ll need

Minimum of 2–4 years of experience in Accounting, Banking, or the Payments industry
Underwriting experience focused on payment processing, including domestic and international accounts, preferred
High school diploma or equivalent required
College coursework or degree in a related field preferred
Strong analytical and decision-making abilities with attention to detail
Familiarity with underwriting practices and risk management in payment processing
Effective written and verbal communication skills
Ability to follow and contribute to documented procedures and policies
Strong organizational skills and time management in a deadline-driven environment
Proficiency in Microsoft Office and Google Suite
Availability to work Monday through Friday, 9:00 a.m. to 6:00 p.m., with flexibility to stay late as needed, including select holidays
Ability to prioritize tasks effectively by meeting deadlines and managing workload efficiently
Ability to work in a fast-paced and high-stress environment
Professional interaction with internal and external stakeholders
Ability to utilize company-approved GenAI tools
Ability to audit AI outputs for factual accuracy, brand alignment, and hallucinations
Ability to protect proprietary and personally identifiable information from unauthorized models
Ability to craft clear, context-rich prompts

Benefits

Comp & perks

Flexible and transparent culture with remote and hybrid work options
Generous vacation time
Frequent company recharge days
Comprehensive medical, dental, and vision coverage
Fertility benefits for eligible employees and their families
HSA/FSA options
Employer-paid disability benefits
401(k) or similar retirement plans with employer matching for eligible employees
Wellness initiatives promoting physical and mental well-being
Access to an onsite gym at HQ
Gym memberships
Mental health resources
Wellness challenges
Employee assistance programs
Entrata Cares volunteerism, charity events, and community giving opportunities
Exclusive Previ cell phone plan
Discounts on services or local business partnerships
Bi-annual swag drops for employees