Senior Director of Underwriting, Fraud Monitoring & Boarding

📋 Description

• Lead and scale teams across merchant underwriting, boarding operations, risk analytics, fraud
• Own day-to-day merchant boarding and underwriting operations across payments and future lending
• Redesign onboarding and underwriting workflows with automation and AI-assisted decisioning for
• Define risk appetite, policies, exposure limits, authorities, escalation, and exception-management.
• Establish risk governance routines, reporting for senior leadership and sponsor banks.
• Partner with Product, Engineering, Compliance, Finance, and external vendors to modernize KYB/KYC

🎯 Requirements

• 8+ years in payments risk, merchant underwriting, boarding, credit risk, or related field; 3+ years
• Deep expertise in merchant underwriting, KYB/KYC, ownership analysis, exposure modeling, risk
• Experience modernizing onboarding/underwriting with automated decisioning and integrations.
• Hands-on familiarity with KYB/KYC, fraud, bank-data aggregation, and decision orchestration tech.
• Knowledge of card-network rules, NACHA, BSA/AML, OFAC, sponsor-bank requirements in
• Strong SQL, portfolio data analysis, and ability to apply alternative data signals for better risk

🎁 Benefits

• Annual base salary: $140,000–$160,000.
• Remote work opportunity.
• Opportunity to lead and transform underwriting, fraud, and merchant-risk functions in a scaling B2B
• High-visibility role with senior leaders across Product, Engineering, Compliance, Finance, and
• Opportunity to shape AI-enabled risk operations and embedded lending capabilities.
• Chance to build and scale high-performing teams and modern operating models.