Quilt Software

Role Description This is an operator and leader role. You’ll set strategy, run day-to-day risk and fraud operations, and build the systems and processes that scale with our portfolio. You’ll work cross-functionally with Sales, Finance, Engineering, and Customer Experience to protect Quilt and our merchants — without becoming a speed bump in the sales motion. What You'll Own - Lead merchant underwriting operations end-to-end — credit review, risk decisioning, exposure monitoring, and policy management. - Manage fraud detection and prevention across the merchant portfolio, including chargeback management, dispute resolution, and loss mitigation. - Maintain credit exposure within defined thresholds while optimizing merchant approval rates and minimizing unnecessary friction. - Build and refine risk scoring models, underwriting frameworks, and fraud rule logic; champion automation wherever it reduces manual review without compromising controls. - Develop and track KPIs across underwriting decisioning quality, fraud losses, chargeback rates, and portfolio health. - Partner with Sales and Account Management to support merchant onboarding, escalations, and exception handling — acting as a collaborative resource, not a gatekeeper. - Lead, develop, and grow a team of risk analysts and fraud operations specialists. - Manage relationships with processors, card networks, and third-party risk vendors. - Stay ahead of evolving fraud vectors, card network rules, and regulatory requirements relevant to PayFac operations. Qualifications - 8–10+ years in payments risk, fraud, or underwriting — ideally in a PayFac, ISO, or acquiring environment. - Strong analytical and data skills; comfortable building models, querying data, and driving decisions from numbers. - Proven track record balancing risk discipline with business velocity in a high-growth setting. - Hands-on operator instincts — you don’t just design processes, you run them. - Experience building and deploying risk automation tools and fraud ML models. - Track record building and leading high-performing risk operations teams. - Deep familiarity with chargeback management, dispute workflows, and card network rules (Visa, Mastercard). - Strong written and verbal communication; able to translate risk concepts for non-technical stakeholders. Nice to Have - Direct PayFac experience — familiarity with sponsor bank relationships, sub-merchant liability, and PayFac-specific regulatory obligations. - Experience with Stripe or Adyen as processing platforms. - Background in specialty retail verticals (dive, pet, outdoor, liquor, etc.). Benefits - Opportunity to build software that powers real-world commerce at scale. - Competitive salary and equity package. - Comprehensive benefits (health, dental, vision, 401k, etc.). - Strong emphasis on engineering quality and career growth.

• Writing compelling copy across all marketing channels, including website copy, email campaigns, blog posts, video scripts, digital and print ads, and packaging • Editing and proofreading copy before it goes live • Adhering and maintaining the brand voice and tone • Using data-driven marketing to guide all copy decisions • Thriving in a fast-paced work environment and meeting tight deadlines • Working on multiple projects at once and excelling at project management • Collaborating with colleagues from other departments to help them hit their marketing goals • Knowing how to use popular digital marketing tools, including Adobe Creative Suite, content management software, search engine optimization software, and website analytics software

• Design and build data pipelines • Develop, maintain, and optimize ETL/ELT pipelines on Databricks and Spark. • Integrate data from multiple internal and external sources into a centralized data platform. • Own data modeling & architecture • Design and maintain robust data models (e.g., star/snowflake schemas, data vault, dimensional models) to support analytics and self-service BI. • Establish and enforce data modeling standards and documentation. • Ensure data quality, reliability, and performance • Implement data quality checks, validation frameworks, and monitoring. • Tune queries and jobs for performance and cost efficiency in Databricks and downstream systems. • Collaborate and lead • Partner with data analysts, data scientists, and product/engineering teams to understand data needs and translate them into technical solutions. • Provide technical leadership and mentorship to other data engineers; help review designs and code. • Governance & best practices • Contribute to and refine our data governance, security, and access control practices. • Drive best practices around version control, CI/CD for data, and code standards.

• Manage content calendars for a variety of in-house brands • Perform industry and keyword research to discover new content opportunities • Ideate, execute, and measure the performance of content • Identify necessary content refreshes and optimizations • Watch trends and audit brands in Google Search Console and SEMrush • Write and review copy (primarily long-form) as needed • Assist in launching targeted marketing campaigns • Mentor a small team of content specialists

About the role: We’re looking for a content marketing manager to perform keyword and industry research, optimize content for SEO, build content calendars, and assist with strategic content-led initiatives. Reporting to the director of content marketing, this role should be a perfect balance of creative and strategic: Someone who enjoys storytelling — and knows how to analyze content marketing performance to recommend improvements that are worth the lift. What you will do: Manage content calendars for a variety of in-house brands Perform industry and keyword research to discover new content opportunities Ideate, execute, and measure the performance of content Identify necessary content refreshes and optimizations Watch trends and audit brands in Google Search Console and SEMrush Write and review copy (primarily long-form) as needed Assist in launching targeted marketing campaigns Mentor a small team of content specialists Preferred skills and qualifications: Competitive salary with performance-based incentives Comprehensive medical, dental, and vision benefits Paid professional development opportunities to help you grow in your career Flexible work arrangements, including hybrid work environment options Paid time off, 401k investment opportunity, and an engaging, collaborative company culture Salary starting at $80,000 and is dependent on experience Location: Remote in the United States. If you prefer onsite, we have offices in Provo, Utah, or Charlotte, NC #LI-Remote Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or take over sponsorship of an employment Visa at this time. About Quilt Software Ever wondered how your favorite local shops compete with the big guys? That’s where we come in. We’re Quilt Software, providing Main Street's unsung heroes – from quirky cheese shops to family-run jewelry stores – with the tools they need to compete. Last year, we helped 14,000+ shops make over $2 billion in sales with our family of industry-specific software solutions. If you get a kick out of supporting local businesses, love great software, and want to be part of a company that’s powering Main Street, we’d love to chat. Come join us in our quest to keep local retail not just alive, but thriving! Notice - Employment Scams Communication from our team regarding job opportunities will only be made by a Quilt Software employee with an @quiltsoftware.com email address. We do not conduct interviews over email or chat platforms, and we will never ask you to provide personal or financial information such as your mailing address, social security number, credit card numbers, or banking information. If you believe a scammer is contacting you, please mark the communication as "phishing" or “spam” and do not respond.