Bilt is the membership program for where you live, transforming housing payments into valuable rewards while connecting members with exclusive benefits in their neighborhood. Backed by General Catalyst.
About the role
What started as a way to reward people on their largest expense has turned into an ecosystem connecting our members, property managers and local merchants. We run lean and move quickly. Every person here has a real impact on what gets built and how fast it happens. Found on 1752vc Careers, the job board for startup and VC roles.
What they're looking for
- 7+ years in merchant onboarding, merchant risk, underwriting or KYB/KYC at a payment facilitator, acquirer, processor, merchant-facing fintech or sponsor bank
- A track record of building onboarding or merchant risk programs hands-on, ideally at a high-volume SMB payfac (Square or Toast style) or a smaller company where you built it yourself
- Hands-on experience running KYB and beneficial owner verification at scale, with working knowledge of the FinCEN CDD rule, CIP requirements and BSA/AML fundamentals
- Experience underwriting small and mid-sized merchants, with real exposure to chargebacks, reserves and merchant losses
- Working knowledge of card network registration and monitoring requirements for payment facilitators and their sub-merchants, and direct experience working with sponsor banks
- Fluency in SQL and portfolio analytics: you can pull your own cohorts, read approval and loss curves, and design rules and thresholds with analysts and data scientists
More about this role
What is Bilt?
Bilt is the membership for where you live.
What started as a way to reward people on their largest expense has turned into an ecosystem connecting our members, property managers and local merchants.
Travel, dining, fitness, everyday spend. We are building systems across payments, credit, loyalty, and commerce all at once.
We run lean and move quickly. Every person here has a real impact on what gets built and how fast it happens.
This role comes with real ownership and high expectations. If you prefer clearly defined lanes and structure, this will feel uncomfortable. If you want to build quickly, have a real say in what gets built, and work on products used by millions, you will likely do your best work here.
What’s the role?
Bilt is building a payment facilitator business, which means we carry the merchant risk a processor would otherwise carry for us. Every restaurant, property management partner and retailer we sign is a decision about identity, ownership, business legitimacy and credit exposure. As our Director, Merchant Risk & Onboarding, you will own that decision end to end: the onboarding flow, KYB and beneficial owner KYC, underwriting, the vendor stack,...
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