Bilt Rewards
Director, Merchant Risk & Onboarding
$150K–$180K
New York, United States · On-site · Director · Full-time · Posted Oct 30, 2026
- Experience
- 7+ years; the posting also says candidates with differing expertise levels will be considered and leveling will depend on experience and interview performance.
About the job
Own and improve Bilt’s merchant onboarding and risk program, from application review and underwriting through compliance, reporting, and first transaction.
What you'll do
- Design and refine onboarding flows with Product and Engineering; review applications and transactions and handle complex cases.
- Build merchant underwriting, KYB/KYC, policy, vendor, and monitoring processes that balance approval speed with risk and compliance.
- Report portfolio and funnel performance to executives, sponsor banks, and card network partners.
What they ask for
- 7+ years in merchant onboarding, merchant risk, underwriting, or KYB/KYC at a payment facilitator, acquirer, processor, merchant-facing fintech, or sponsor bank.
- Hands-on experience building onboarding or merchant risk programs and running KYB and beneficial owner verification at scale; working knowledge of the FinCEN CDD rule, CIP, and BSA/AML.
- Experience underwriting small and mid-sized merchants, including chargebacks, reserves, and merchant losses; working knowledge of payment facilitator card-network requirements and direct sponsor-bank experience.
- Experience with risk/vendor tools and fluency in SQL and portfolio analytics.
Nice to have
- Restaurant, POS, property management, or retail merchant onboarding experience, including multi-location or franchise structures.
- Experience taking a payfac through sponsor bank and network approval; fraud decision engines, processors, transaction laundering detection, or application risk scoring.
Pay
$150,000 - 180,000 USD base salary
Tools
SQL, Alloy, Taktile, Footprint, Oscilar, Middesk, Baselayer, LexisNexis
Model-written summary · the original posting is authoritative