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fulfillment timing, refund practices, dispute and chargeback patterns, and processing history\nCalculate or validate processing exposure and non-delivery exposure; assign or confirm the appropriate Merchant Category Code\nIdentify restricted, prohibited, or heightened-risk activity and complete or coordinate required due diligence\nMake or recommend approval, decline, retention, restriction, or termination decisions within established authority and risk appetite\nContact merchants and internal partners to obtain missing information, resolve discrepancies, and document a clear decision rationale\nServe as a primary contact for merchant risk escalations and provide an independent recommendation to onboard, retain, restrict, terminate, or escalate\nPerform or coordinate enhanced due diligence for elevated-risk merchants, including licensing, registration, ownership, and business-practice reviews where applicable\nMaintain complete, accurate, and audit-ready documentation of evidence, calculations, decisions, conditions, approvals, and escalations\nIdentify recurring risks, control gaps, and policy ambiguities; recommend improvements to procedures, training, documentation, or systems\nRequired qualifications, capabilities and skills\nMinimum 3 years of experience in merchant underwriting, payments risk, fraud risk, credit risk, or a related financial risk discipline\nDemonstrated ability to analyze merchant documentation (for example: bank statements, processing statements, ownership and business information) and synthesize an evidence-based decision\nWorking knowledge of merchant risk concepts including disputes, chargebacks, refunds, fulfillment/non-delivery exposure, and prohibited or restricted business activity\nAbility to apply documented risk criteria consistently and operate within defined approval authority and escalation requirements\nStrong attention to detail with the ability to maintain accurate, audit-ready documentation and a clear decision 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