Client Ops Manager III

Job responsibilities


* Review merchant applications, websites, ownership and business information, credit reports, bank statements, prior processing statements, internal history, and approved fraud-risk tools


* Validate business legitimacy and evaluate products or services, sales channels, and customer experience considerations


* Assess expected processing volume, average transaction size, fulfillment timing, refund practices, dispute and chargeback patterns, and processing history


* Calculate or validate processing exposure and non-delivery exposure; assign or confirm the appropriate Merchant Category Code


* Identify restricted, prohibited, or heightened-risk activity and complete or coordinate required due diligence


* Make or recommend approval, decline, retention, restriction, or termination decisions within established authority and risk appetite


* Contact merchants and internal partners to obtain missing information, resolve discrepancies, and document a clear decision rationale


* Serve as a primary contact for merchant risk escalations and provide an independent recommendation to onboard, retain, restrict, terminate, or escalate


* Perform or coordinate enhanced due diligence for elevated-risk merchants, including licensing, registration, ownership, and business-practice reviews where applicable


* Maintain complete, accurate, and audit-ready documentation of evidence, calculations, decisions, conditions, approvals, and escalations


* Identify recurring risks, control gaps, and policy ambiguities; recommend improvements to procedures, training, documentation, or systems

Required qualifications, capabilities and skills


* Minimum 3 years of experience in merchant underwriting, payments risk, fraud risk, credit risk, or a related financial risk discipline


* Demonstrated ability to analyze merchant documentation (for example: bank statements, processing statements, ownership and business information) and synthesize an evidence-based decision


* Working knowledge of merchant risk concepts including disputes, chargebacks, refunds, fulfillment/non-delivery exposure, and prohibited or restricted business activity


* Ability to apply documented risk criteria consistently and operate within defined approval authority and escalation requirements


* Strong attention to detail with the ability to maintain accurate, audit-ready documentation and a clear decision rationale


* Effective written and verbal communication skills, including comfort contacting merchants to clarify information and resolve discrepancies


* Ability to manage multiple reviews concurrently while meeting service-level and quality expectations


* Proficiency with spreadsheet and documentation tools for analysis, tracking, and reporting


* Understanding of relevant legal, regulatory, and payment-network requirements for merchant onboarding and monitoring


* Commitment to fair, consistent c...