Merchant Underwriter

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Full Time US

Flute is a united team of Fin Tech professionals. We are dedicated to providing our partners with customizable and reliable payments solutions that are suitable for any business environment. Our cutting‑edge, reliable technology produces results, as our partners experience increased efficiency and achieve additional growth opportunities. It’s the successes of our clients and partners that drive us to continue to provide the best quality products, customer service, and technical support in the industry.

Our goal is to help businesses grow revenue and increase efficiency with reliable, secure payment solutions. Based in Tempe, AZ, Flute is a well‑funded, employee‑centric company with 25,000+ merchants and $12 billion in annual processing. Since 2018, we have rapidly expanded our national footprint by providing competitive rates, unparalleled products, and superior services.

As an Underwriter, you will review and analyze merchant applications in accordance with Bank, Card Brand, and Company policies to mitigate potential risk and support portfolio growth. You will collaborate closely with Risk Management and Sales teams to identify emerging risk and market trends while contributing to business growth through sound judgment, proactive problem‑solving, and a positive, solutions‑oriented approach. Successful candidates must be self‑motivated, able to manage multiple priorities effectively, and comfortable evaluating risks and trade‑offs to make informed underwriting decisions.

The role also requires the ability to learn quickly and work efficiently across multiple systems.

• Evaluate merchant applications using multiple underwriting tools to identify credit, fraud, and reputational risk
• Apply a methodical approach to analyze data, draw clear conclusions, and prepare written summaries in accordance with department procedures
• Maintain accurate records of all underwriting reviews
• Communicate and collaborate effectively with sales partners, merchants, and colleagues
• Work independently and take initiative in a fast‑paced underwriting environment
• Other duties as assigned

• 2+ years of experience in payments processing underwriting or payment processing risk
• Proficiency in Microsoft Office and Share Point
• Experience reviewing KYC and KYB documentation across all risk levels
• Strong ability to make risk‑based decisions and work independently
• Demonstrate proactive critical thinking skills with a positive, solutions‑oriented approach
• Manage multiple priorities effectively while maintaining accuracy, sound judgment, and diligence

• Exposure to systems such as GIACT, G2, Mastercard Match, Zendesk, and TSYS