Underwriter

• Review merchant transaction details and make decisions based on parameters as well as processing activity (i.e. merchant's average ticket, month-to-date volume vs expected volume, invalid authorizations, ACH returns, and chargebacks)
• Review daily monitoring reports (i.e. chargeback, retrieval and next day funding summary reports). Take appropriate action where appropriate to resolve chargeback related problems
• Recommend accounts for termination, as appropriate
• Investigate accounts to identify risks (i.e. fraudulent merchants, card testing, money laundering, account takeover, and other fraud or risk vectors)
• Review merchant exception reports and act on issues in accordance with procedures
• Perform periodic risk based merchant reviews
• Provide backup support to the underwriting team to assist in underwriting merchants when necessary
• Contact merchants and secure supporting documentation to support underwriting and/or risk management work, as needed
• Contribute to root cause analysis to identify opportunities to better predict, prevent, and mitigate risk within NMI’s existing process
• Assist with internal quality assurance reviews
• Support continuous monitoring efforts and processes to maintain compliance with NMI’s risk tolerance
• Help manage the portfolio by developing a deep understanding of risk across industries, geographies, and operating models
• Manage assignments of additional risk and underwriting related initiatives as assigned

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