Underwriter – KYC/KYB

Worth AI

full-time

Posted on: 9/18/2025

Origin: • 🇺🇸 United States • Florida, New York

✨ AI Apply

Mid-LevelSenior

About the role

Review and underwrite customer (KYC) and business (KYB) applications in accordance with UK regulatory standards and Worth AI’s internal policies
Conduct in-depth risk assessments, including financial analysis, creditworthiness reviews, and fraud detection
Verify company structures, ownership hierarchies, and beneficial ownership for UK and international clients
Apply FCA, PRA, AML, and other relevant UK regulations in the underwriting process
Collaborate with product, compliance, and risk teams to escalate and resolve complex cases
Make sound underwriting decisions that align with Worth AI’s mission of balancing growth with responsible risk management
Maintain accurate and auditable records of all underwriting decisions
Contribute to continuous improvement of Worth AI’s underwriting policies, processes, and AI-driven compliance tools
Evaluate client and business applications and help strengthen the companys compliance framework

Bachelor’s degree in Finance, Business, Law, or a related discipline (or equivalent experience)
3–5+ years of underwriting, risk, or compliance experience within UK financial services, banking, or fintech
Strong knowledge of UK AML, KYC, and KYB frameworks, including FCA requirements
Experience in credit risk assessment, fraud detection, and financial statement analysis
Excellent analytical, communication, and decision-making skills
Proficiency with compliance and underwriting platforms; experience with AI/fintech tools is a plus
Professional certifications (e.g., ICA, ACAMS, CII) preferred
Integrity and a strong sense of accountability
Exceptional attention to detail and organizational skills
Ability to work independently in a high-growth, fast-paced fintech environment
Willingness to travel as required
Prior experience in Risk, Underwriting, credit and/or Payments Industry