Responsibilities
- Review and evaluate merchant applications, supporting documents, and risk indicators.
- Analyze credit reports, bank statements, processing history, and business models to determine risk exposure.
- Make recommendations and decisions on account approvals, holds, or declines.
- Maintain up-to-date knowledge of industry trends, compliance regulations, and risk management strategies.
- Collaborate with risk, sales, and operations teams to optimize onboarding and underwriting processes.
- Mentor junior underwriters and assist in complex case escalations.
Requirements
- Minimum 2 years of underwriting experience in the merchant services or payments industry.
- Strong understanding of risk assessment, KYC/AML policies, and credit analysis.
- Ability to interpret financial and business documents quickly and accurately.
- Excellent attention to detail and problem-solving skills.
- Strong communication and decision-making abilities.
- Experience working in a fast-paced, high-volume underwriting environment.
Nice to Have
- Familiarity with common payment processing platforms, chargeback trends, and high-risk merchant categories.
- Experience with automated underwriting tools or platforms.
- Bachelor’s degree in finance, business, or a related field (or equivalent work experience).
