# Merchant and Network Compliance Manager

**Company:** [Square](https://hotfix.jobs/companies/square)
**Location:** California
**Role:** Legal
**Salary:** $103k – $194k/yr
**Experience:** 5+ years
**Skills:** Visa Network Rules, Mastercard Network Rules, Amex Network Rules, Merchant Acquiring Risk, Mcc Classification, Bsa/Aml Compliance, Sanctions Compliance, Financial Crimes Compliance, Partner Escalation Management, Audit Support
**Posted:** 2026-06-23

> Own payment network and acquiring bank escalations for Square, investigating violations, preparing evidence packages, and managing compliance responses to Visa, Mastercard, Amex, and bank partners. Requires 5+ years in financial services compliance or risk with knowledge of payment network rules.

## Job Description

## Responsibilities
- Serve as the primary owner of inbound payment network and acquiring bank escalations, managing investigations end-to-end from intake through resolution and formal partner response
- Investigate and remediate brand risk violations, restricted and illegal product inquiries, account data compromise events, complex surcharge matters, and payment service provider escalations across bank-acquired and Square-acquired merchants
- Prepare and deliver evidence packages, remediation plans, and formal written responses to Visa, Mastercard, Amex, and acquiring bank partners under strict deadlines
- Manage acquirer-driven escalations involving suspicious merchant activity, MCC classification, and merchant governance issues across multiple bank partners
- Conduct merchant due diligence, apply network rule interpretation, and assess compliance posture to determine appropriate remediation strategy
- Support network and acquiring bank audits end-to-end, including evidence preparation, coordination, and closeout documentation
- Identify recurring escalation patterns and contribute to scalable control improvements, AI-enabled workflow enhancements, and standardized SOPs
- Maintain accurate case records, tracking, and reporting to support audit readiness and leadership visibility

## Requirements
- 5+ years of experience in compliance, risk, or a related function in financial services or payments, or equivalent work experience
- Working knowledge of payment network rules and regulations across Visa, Mastercard, and/or Amex, with the ability to interpret and apply rule language to specific merchant and partner situations
- Experience managing partner-facing escalations and communications, including preparation of evidence packages and formal responses under time-sensitive deadlines
- Solid understanding of merchant acquiring risk, including brand risk, prohibited merchant categories, MCC classification, account data compromise, and surcharging compliance
- Familiarity with BSA/AML, sanctions, and broader financial crimes compliance frameworks
- Strong organizational and analytical skills with the ability to manage multiple active escalations, prioritize effectively, and meet strict deadlines
- Excellent written and verbal communication skills, with the ability to engage credibly with internal stakeholders and external bank and network partners
- Sound judgment when navigating complex, ambiguous escalations with significant financial or partner-relationship consequences
- Comfort operating in a fast-paced, evolving environment where partner expectations and network rules shift frequently

## Nice-to-Haves
- Industry certifications (CAMS, CFE, CFCS, CRCM)

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