White Code Information Technology & ERP Consulting · 1 day ago
High Risk Underwriter Analyst I – Payments & Fintech
United States
Full-time
Remote
Entry, Mid Level
2+ years expPhoenix Ecommerce Technologies is a modern fintech and ecommerce infrastructure company enabling high-risk and emerging-market ISVs to scale responsibly. The High Risk Underwriter will review merchant and ISV applications, assess various risks, and act as a trusted advisor to sales and product teams while ensuring compliant growth.
Software Development
Responsibilities
Review and decision 100% of merchant and ISV applications prior to processor submission
Perform deep-dive underwriting on high-risk ecommerce and embedded payments models
Analyze business models, transaction flows, chargeback exposure, fraud risk, and compliance posture
Evaluate financial statements, bank statements, processing history, and credit data
Assess regulatory and card brand compliance (Visa, Mastercard, card network rules)
Identify mitigation strategies including reserves, rolling holds, limits, monitoring, and controls
Partner with Sales, Partnerships, and ISVs to structure approvable submissions
Prepare underwriting summaries and recommendations for processors and sponsor banks
Maintain strong relationships with processors, acquiring banks, and compliance partners
Support audits, reviews, and ongoing merchant monitoring programs
Qualification
Required
Minimum 2 years underwriting experience in a high-risk payments environment
Strong understanding of high-risk ecommerce, digital goods, and subscription models
Experience underwriting ISVs, PayFacs, or embedded payments platforms
Working knowledge of fraud, chargebacks, and risk mitigation frameworks
Ability to make independent, defensible underwriting decisions
Excellent written and verbal communication skills
Advanced risk assessment and critical thinking
Strong judgment with a balanced risk-reward mindset
Ability to thrive in fast-paced, high-growth environments
Comfort working cross-functionally with sales and product teams
Detail-oriented with strong documentation discipline
Professional presence with internal and external partners
Preferred
Minimum 3 years experience in payments, fintech, acquiring, or merchant services
Company
White Code Information Technology & ERP Consulting
WHITE CODE is a Certified Odoo Gold Partner in UK, KSA & Egypt with complete customized solutions.
51-200 employees
Funding
Current Stage
Growth StageCompany data provided by crunchbase