813.666.4504

Manager, Underwriting & Risk Compliance

Atlanta, GA

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Title: Manager, Underwriting & Risk Compliance

Location: Atlanta, GA

Overview:

Our client is a Fintech Payments firm base din Atlanta looking for a Manager, Underwriting & Risk Compliance to join their team. They are a strategic full-service processor and they focus on key merchant segments offering integrated and non-integrated payments acceptance with a fully compliant toolset. The company has two operations centers in Georgia and on West Coast. The role would oversee their merchant onboarding credit/underwriting, risk management of existing clients and work closely with internal and external partners such as clearing banks, payment brands, and debit networks.

Responsibilities:

  • Manage underwriting and risk
  • Receive merchant application files from Quality Assurance for review
  • Comprehensive review and analysis of individual and company reports including Lexis Nexis, Verisk, Tax Returns, Merchant Statements, Bank Statements, Financial Statements, and Legal Opinion Letters
  • Oversee the KYC process for the business
  • Determine exposure worthiness from a range of merchants
  • Conduct audits of any auto-approved merchants if the company & its clearing banks enable
  • Communicate effectively with internal company departments and offices
  • Communicate with counterparts at clearing banks
  • Recommend and develop enhancements, sources, and resources to assist in the underwriting and risk process
  • Provide recommendations (approvals, declines, credit holds, freezes, etc.) on merchant applications and existing merchants. Escalate to executive management on any fraudulent merchant risk aspects
  • Review the merchant portfolio, monitor dashboards for any merchant sales or transactional volumes approaching daily, weekly, or monthly approved numbers
  • Review chargeback rations frequently
  • Review data from Risk management tools and reports
  • Conduct audits as needed
  • Collaborate internally and externally with our processing partners

Requirements:

  • Minimum of 10 years’ experience in an underwriting and risk management role (direct experience in merchant services industries strongly preferred)
  • Previous experience working with credit card brands is preferred
  • Previous experience of payment processing industry preferred
  • Previous management experience is preferred
  • Experience reviewing and analyzing individual and company financial data
  • Ability to work independently without close supervision/oversight
  • Excellent organization and analytical skills, strong oral and written communication skills
  • Desire to work in emerging Fintech Payments Firm
  • Experience with TSYS, Lexis Nexis, Verisk (G2), IRIS CRM, preferred
  • Bachelor’s degree or equivalent work experience in credit, underwriting or risk management