3 часа назад
Senior Merchant Underwriter (Fintech)
100 000 - 140 000$
Мэтч & Сопровод
Для мэтча с этой вакансией нужен Plus
Описание вакансии
Текст:
TL;DR
Senior Merchant Underwriter (Fintech): Analyzing merchant applications, portfolio reviews, transaction activity, licenses, legal opinions, and credit risk with an accent on high-regulatory-risk sectors such as crypto, remittance, real money gaming, and prediction markets. Focus on determining risk mitigation conditions, investigating chargebacks and ACH returns, adapting underwriting policies to regulatory requirements, and building scalable underwriting processes.
Location: Chicago, United States; work arrangement: on-site
Salary: $100,000–$140,000 USD per year, plus equity and benefits
Company
is a payment service provider building financial infrastructure with stablecoins, AI-driven fraud prevention, instant settlement, global pay-ins, multi-currency FX, and unified payouts.
What you will do
- Evaluate new merchant applications for legal, card scheme, operational, credit, and chargeback risk.
- Conduct refresher reviews of the existing merchant portfolio, including licenses, legal opinions, and financial statements.
- Investigate chargeback spikes, ACH returns, and other indicators of changes in merchant risk profiles.
- Define approval conditions such as reserves, transaction limits, and enhanced monitoring.
- Lead process, tooling, regulatory, and card-scheme adaptation initiatives to scale the underwriting program.
- Collaborate with Compliance, Product, Engineering, and Operations on scalable underwriting solutions.
Requirements
- 4+ years of underwriting experience in fintech, payments, banking, or financial services.
- Understanding of payment processing, merchant acquiring, and transaction risk.
- Experience evaluating high-regulatory-risk business models, including crypto, remittance, real money gaming, and prediction markets.
- Strong analytical, communication, and evidence-based decision-making skills.
- Experience meeting SLAs and performance expectations in ambiguous, fast-paced environments.
- Proficiency with Excel or Google Sheets for data modeling, trend analysis, and merchant processing data synthesis.
Nice to have
- Experience with transaction monitoring systems and case management platforms.
- SQL and business intelligence tools such as Tableau or Looker.
- Experience at high-growth payment companies.
- Cryptocurrency or blockchain analytics expertise with tools such as Chainalysis, Merkle, Elliptic, or TRM Labs.
- Bachelor's degree.
Culture & Benefits
- Opportunity to build the financial crimes program from the ground up with executive visibility.
- High-growth environment with potential to expand role scope and team responsibilities.
- Work at the intersection of compliance, cryptocurrency, and payment technology.
- Equity grant and comprehensive health and wellness benefits.
- 401(k) savings plan, flexible time off, and professional development support.
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