Own the end-to-end merchant onboarding and risk program for a payment facilitator. Responsibilities include KYB, beneficial-owner KYC, underwriting, fraud and transaction monitoring, vendor configuration, policy development, manual reviews, portfolio analytics, and sponsor bank, card network, and regulatory readiness. The role partners with Product, Engineering, Compliance, Legal, Fraud, Data Science, and payment partners while balancing merchant conversion with credit, fraud, and compliance risk.