Senior Director of Underwriting, Fraud Monitoring & Boarding (Fintech)

Location: United States (Remote)

Salary: $140,000–$160,000 per year

Company

hirify.global provides accounts receivable automation and B2B payment solutions, connecting finance teams, customers, and business systems to improve cash flow visibility and payment reconciliation.

What you will do

• Lead underwriting, merchant boarding, risk analytics, and portfolio monitoring teams supporting payments and future lending applications.
• Redesign merchant onboarding with automated decisioning, AI-assisted document review, straight-through processing, exception routing, and auditable human oversight.
• Own daily underwriting, boarding, exception management, merchant monitoring, fraud detection, chargeback and return analytics, and high-severity risk response protocols.
• Partner with Product, Engineering, Compliance, Finance, Sales, vendors, processors, and sponsor banks on risk policies, integrations, reporting, audits, and governance.
• Build the operating model for future embedded lending, including policy translation, exposure controls, portfolio performance analysis, servicing controls, and loss mitigation.
• Establish measurable SLAs and KPIs covering decision time, approval rates, fraud, losses, and merchant experience.

Requirements

• 8+ years of experience in payments risk, merchant underwriting, boarding operations, credit risk, or financial services operations, including 3+ years leading teams or major workstreams.
• Deep knowledge of KYB/KYC, beneficial ownership, financial statement review, exposure modeling, MCC and industry risk, and chargeback economics.
• Experience modernizing boarding processes through automated decisioning, vendor orchestration, and straight-through processing.
• Working knowledge of card brand rules, NACHA, BSA/AML, OFAC, sponsor bank requirements, and processor environments.
• Strong SQL and analytical skills, including portfolio data analysis, model-output review, and use of AR, invoice, accounting-system, and transaction data.
• Pragmatic experience applying automation and AI while maintaining documented decision logic, override tracking, quality assurance, and human oversight.

Nice to have

• Experience in small business lending, working capital, MCA, factoring, term loans, or embedded finance.
• Experience launching or scaling lending, credit, or embedded-finance products within payments, fintech, or B2B software.
• Familiarity with AI/ML risk decisioning platforms and LLM-based document review tools.
• Experience with sponsor bank audits, regulatory examinations, model risk management, and U.S. and Canadian requirements.
• Background in B2B accounts receivable payments, embedded finance, vertical SaaS, or lending economics.

Culture & Benefits

• Regular full-time employment.
• Remote workplace based in the United States.
• Work focused on scaling B2B payments and future embedded lending capabilities.
• Equal opportunity employment and a commitment to workplace diversity.