pmtbox · 1 month ago
Sr. Merchant Risk Specialist
Orem, UT
Full-time
Onsite
Senior Level
5+ years exppmtbox is a company focused on creating effective payment solutions for businesses. They are seeking a Sr. Merchant Risk Specialist to manage underwriting, ongoing monitoring, and customer-facing risk support, ensuring the protection of the business while enabling good merchants to thrive.
Computer Software
Responsibilities
Own merchant underwriting reviews, onboarding assessments, and ongoing portfolio monitoring
Review and interpret KYC/KYB data using native TSYS systems, TransUnion, Plaid, and internal tools
Identify patterns, risks, anomalies, and signals — turning high-volume data into clear decisions
Manage escalations and exceptions with clarity and speed
Engage directly with customers on risk-related issues to drive single-touch resolution when possible
Work cross-functionally with CX to close loops quickly and deliver consistent, high-trust experiences
Partner with Product to inform improvements to risk tooling and dashboards — including future-state enhancements to native systems
Drive a strong compliance posture across the merchant lifecycle while helping good merchants move forward fast
Uphold and model pmtbox’s values: ownership, clarity, consistency, speed, and accountability
Qualification
Required
5–10+ years in payments, merchant services, underwriting, risk, or related fintech environments
Strong analytical rigor with exceptional pattern-recognition instincts
Deep familiarity with merchant risk signals, underwriting principles, and monitoring best practices
Ability to work independently and make sound, well-reasoned decisions in ambiguous situations
Comfortable engaging directly with customers on sensitive risk topics with professionalism and clarity
A high-ownership mindset — you protect the portfolio like it's your own
The ability to translate real-world risk learnings into actionable product insights
Crisp communication, strong judgement, and calm execution under pressure
Benefits
$2,000 in Monthly QSEHRA reimbursement toward health insurance
Safe Harbor 401(k) with 100% match up to 6%
In-office snacks and drinks
Weekly Friday team lunch with leadership
High-trust, high-ownership environment
Company
pmtbox
At pmtbox, we believe payments should fuel growth, not hold it back.
11-50 employees
Funding
Current Stage
Early StageCompany data provided by crunchbase