Senior Merchant Underwriter (Fintech)

Location: Chicago, United States; work arrangement: on-site

Salary: $100,000–$140,000 USD per year, plus equity and benefits

Company

hirify.global 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.