Senior Payments Risk & Operations Specialist (Processor Experience Required)

Compensation: $70,000–$100,000 (based on depth of payments experience)

Location: Lyndhurst, NJ (in-office preferred; flexibility may be available depending on fit)

Type: Full-time

This is a senior, multi-function role for someone who has lived inside payments—processor/ISO/acquirer environments—and can flex across underwriting, risk monitoring, operational execution, and escalations. The scope will adapt to the candidate’s strengths, but the expectation is: you can step in and own outcomes.

If you’ve worked at/with major processors or platforms (especially Fiserv, but also TSYS, Global Payments, Worldpay, etc.), and you know how risk, underwriting, and operational controls actually work in production—this is the seat.

• Senior Merchant Underwriting (Payments): Review complex merchants, processing history, and risk signals; recommend controls (reserves, delayed funding, limits, monitoring triggers, etc.).
• Portfolio Risk Monitoring: Monitor chargeback/refund trends, spikes, policy violations, unusual activity, and implement mitigation actions.
• Transaction/Fraud Monitoring Support: Detect unusual patterns, coordinate investigations, and document decisions/actions.
• Escalations & Sensitive Cases: Be a senior point of contact for high-impact merchant situations—balancing risk controls with merchant experience and speed.
• Operational Support (When Needed): Help plug gaps as we scale—tighten workflows, fix broken handoffs, reduce rework, improve documentation standards.
• Policy Process Improvement: Help refine underwriting standards, monitoring rules, and internal playbooks; train/mentor junior team members.
• Cross-Functional Partnership: Work tightly with Sales, Client Services, Underwriting, and Operations to keep growth clean and controlled.

• 5 years in payments risk/underwriting/monitoring/operations (processor, acquirer, ISO/MSP, fintech payments platform, or high-volume merchant services environment)
• Strong understanding of payments risk concepts: chargebacks/disputes, refunds, fraud patterns, merchant behavior models, reserves/holds/delayed funding
• Ability to document decisions clearly, defend recommendations with data, and communicate calmly under pressure
• Comfortable operating with autonomy and accountability in a fast-moving environment

• Recognized processor/platform exposure (Fiserv strongly preferred; also TSYS / Global / Worldpay / Chase Paymentech / etc.)
• Experience supporting higher-risk verticals and exception handling
• Track record of improving workflows or building repeatable processes (not just “doing the job”)
• Equal Opportunity Employer: Tekcard Payments is an equal opportunity employer.