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Senior Director of Underwriting, Fraud Monitoring & Boarding

3 weeks, 1 day ago
Canada
Full-time
Lead
Operations Manager
Operations
LLM Machine Learning SQL
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Versapay

Versapay

Versapay provides cloud-based accounts receivable automation software and integrated payment solutions that enhance efficiency and cash flow for businesses by facilitating electronic invoice presentment and online payment collaboration with customers.

Capital Markets
51-250
Founded 2006
$16M raised
View All Jobs 20

Description

  • Lead the day-to-day boarding, underwriting, exception management, and merchant risk monitoring operations.
  • Manage and develop a team of underwriters, risk analysts, and boarding specialists.
  • Redesign the boarding journey to improve speed, consistency, and straight-through processing for clean files.
  • Define and operationalize risk appetite, credit policy, exposure limits, and approval guardrails.
  • Partner with Product, Engineering, Compliance, Finance, Sales, vendors, and sponsor banks to improve workflows, integrations, reporting, and governance.
  • Implement automation and AI-assisted document review with reviewable, auditable outputs and human oversight.
  • Build the underwriting operating model for future embedded lending products, including application intake, documentation requirements, and exception handling.
  • Own portfolio risk monitoring, including transaction surveillance, chargeback and return analytics, anomaly detection, and fraud indicators.
  • Build dashboards and exposure reporting for executive and sponsor bank review.
  • Ensure boarding, underwriting, and monitoring comply with NACHA, BSA/AML, OFAC, card brand rules, state lending laws, and sponsor bank requirements.

Requirements

  • 8+ years of relevant experience in payments risk, merchant underwriting, boarding operations, credit risk, or financial services operations.
  • At least 3+ years leading teams or major operational workstreams.
  • Deep knowledge of merchant underwriting, including KYB/KYC, beneficial ownership, financial statement review, exposure modeling, MCC/industry risk, and chargeback economics.
  • Proven experience modernizing legacy boarding processes with automated decisioning, vendor orchestration, and straight-through processing.
  • Hands-on familiarity with KYB/KYC, fraud, bank data aggregators, accounting connectors, and decision orchestration vendors.
  • Working knowledge of card brand rules, NACHA, BSA/AML, OFAC, and sponsor bank operating requirements.
  • Experience operating in major card processor and sponsor bank environments.
  • Strong analytical skills, including fluency in SQL and comfort with portfolio data.
  • Ability to use alternative data such as AR/invoice data, payer behavior, accounting-system data, or transaction flows to improve underwriting and monitoring.
  • Pragmatic approach to automation and AI with auditable decisions and appropriate human oversight.
  • Strong communication skills for explaining underwriting decisions, operational tradeoffs, risk trends, and exceptions to senior stakeholders.
  • Prior lending exposure preferred, especially in small business lending, working capital, MCA, factoring, term loans, or embedded finance.
  • Experience launching or scaling a lending, credit, or embedded-finance product in a payments, fintech, or B2B software company.
  • Familiarity with AI/ML risk decisioning platforms such as Sift, Sardine, Feedzai, Zest, Taktile, Oscilar, Unit21, or Sentilink.
  • Background in B2B or accounts receivable payments, embedded finance, or vertical SaaS is preferred.
  • Exposure to model risk management frameworks such as SR 11-7 or equivalent is preferred.
  • Experience navigating sponsor bank audits and regulatory exams is preferred.
  • Working understanding of lending economics, including credit facilities, covenants, advance rates, cost of capital, and pricing inputs is preferred.
  • Experience across multiple jurisdictions, including U.S. and Canadian payments or lending requirements, is preferred.

Benefits

  • Remote-first role (#LI-Remote).
  • Equal opportunity employer with a commitment to diversity and non-discrimination.

Interested in this position?

Apply directly on the company website

Apply Now

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