Responsibilities
- Develop, implement, and maintain high-risk merchant underwriting frameworks
- Ensure consistent delivery of comprehensive risk assessments across the high-risk merchant portfolio
- Lead and communicate due diligence outcomes, providing well-supported recommendations on merchant business model and risk mitigation approaches
- Build, mentor, and manage the high-risk underwriting team
- Conduct post-onboarding and periodic reviews to confirm that identified risks are adequately mitigated and controls remain effective
- Own and manage inbound requests from payment schemes and regulators, including assessment of identified gaps or non-compliance, preparation and coordination of action and mitigation plans, accountability for remediation activities, and end-to-end communication and case closure with all relevant stakeholders
Requirements
- 3+ years of hands-on experience in merchant underwriting, with a strong focus on high-risk merchant portfolios
- Prior experience in a senior or lead underwriting role within an acquirer, PayFac, PSP, or similar payment institution
- Strong understanding of high-risk business models and associated risk drivers
- In-depth understanding of regulatory and card schema requirements relevant to high-risk merchant onboarding and monitoring across multiple jurisdictions
- Demonstrated professional competence in underwriting, supported by relevant certifications or equivalent practical experience
Work Arrangement
Remote (Worldwide)
