Underwriting Specialist

Payabli

Underwriting Specialist at Payabli evaluates risk profiles and creditworthiness of potential clients. Collaborating with teams to guide applicants in a fintech environment.

Posted 5/8/2026full-timeRemote • 🇺🇸 United StatesJuniorMid-LevelWebsite

About the role

Key responsibilities & impact

Conduct thorough analysis of merchant applications, including financial statements, processing history, and KYC documentation.
Verify business legitimacy through entity formation documents, EIN verification, and ownership structure validation.
Evaluate creditworthiness, processing behavior, and potential exposure risk for both credit card and ACH transactions.
Flag and escalate high-risk or unusual business models to the Director of CRU for deeper review.
Maintain comprehensive documentation of underwriting decisions, ensuring compliance with internal policies and regulatory standards.
Interact with merchants to gather missing information, clarify discrepancies, or provide feedback on required improvements.
Respond promptly and professionally to application-related inquiries and proactively guide applicants through the process.
Educate merchants on underwriting expectations and provide tailored advice on best practices for application success.
Partner with Compliance and Risk Analysts to support deeper risk investigations or chargeback-related assessments.
Collaborate with CRU leadership to refine risk models, underwriting criteria, and approval matrices.
Mentor and support junior team members by reviewing applications, offering feedback, and leading knowledge-sharing sessions.

Requirements

What you’ll need

2–5 years of experience in KYC/KYB, compliance, onboarding, or underwriting within a payments, fintech, or financial services organization
Well-versed in identity verification protocols, including the review of business formation documents, beneficial ownership, and government-issued identification
Working knowledge of AML/BSA regulatory frameworks, sanctions screening (OFAC), and customer due diligence (CDD/EDD) requirements
Confident reviewing business models and legal structures, and can validate entity legitimacy and expected transaction behavior
Detail-oriented and understand the importance of regulatory adherence across onboarding and ongoing monitoring
Comfortable communicating with clients to collect and validate sensitive documentation, while maintaining a high degree of professionalism and care
Thrive in a collaborative, fast-paced environment and bring a mindset of continuous improvement to workflows, tools, and procedures
Bonus: Experience with compliance tools such as Alloy, Middesk, ComplyAdvantage, or similar vendor platforms

Benefits

Comp & perks

Competitive base salary with strong performance-based upside potential
Stock options with the potential to unlock more equity as we grow
Flexible PTO
Comprehensive medical, dental, and vision insurance
401K with company match, HSA, and pre-tax savings programs
Monthly education fund to invest in your professional development and passion goals
Fully remote work environment with a collaborative, supportive team culture

ATS Keywords

✓ Tailor your resume

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools

KYCKYBcomplianceunderwritingidentity verificationAMLBSAsanctions screeningcustomer due diligencetransaction behavior

Soft Skills

detail-orientedprofessionalismcollaborativecontinuous improvementmentoringcommunicationanalytical thinkingproblem-solvingfeedbackinterpersonal skills