Senior Underwriting Analyst, eCommerce

Conduct detailed credit & risk analysis of applying merchant accounts to determine creditworthiness and identify potential risks.

Demonstrate strong methodical skills in analyzing data, drawing meaningful conclusions, preparing written summaries, and making holistic business recommendations.

Maintain communication and collaboration with partners, merchants, and other teams.

Process applications efficiently with analytical thinking to streamline underwriting workload.

Answer internal and external inquiries about Underwriting issues.

Provide internal concurrence and mentorship to non-senior underwriters on accounts up to $700,000 in MV and/or exposure.

Approve fund releases up to $15,000, as needed.

5 years' experience in underwriting in the bankcard industry.

Proficiency in English (written and spoken).

Strong knowledge of enhanced due diligence requirements for strategic verticals (e.g., online pharmacies, money remittance providers, online marketplaces, airlines, cruise lines, OTAs, online gaming/gambling, cryptocurrency).

Strong knowledge of card scheme rules, regulations, and registration requirements.

Experience with drafting high-level write-ups for C-level executives and sponsor banks with minimal oversight.

Ability to read and interpret financial statements.

Ability to calculate financial risk and delayed delivery exposure.

Ability to analyze high-volume accounts while accurately assessing credit, regulatory, and reputation risk.