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Senior Director of Underwriting, Fraud Monitoring & Boarding

3 weeks, 1 day ago
United States
Full-time
Lead
Operations Manager
Operations
Machine Learning SQL
Apply Now
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.
  • Build and manage a team of underwriters, risk analysts, and boarding specialists.
  • Redesign the boarding journey to use AI-first and straight-through decisioning for low-risk 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, and reporting.
  • Implement automation and AI-assisted document review with auditable and reviewable outputs.
  • Develop the underwriting operating model for future embedded lending products.
  • Own portfolio monitoring, including transaction surveillance, chargeback and return analytics, fraud detection, and anomaly monitoring.
  • Build dashboards and exposure reporting for executive and sponsor bank review.
  • Ensure compliance with NACHA, BSA/AML, OFAC, card brand rules, 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, 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 signals such as AR/invoice data, payer behavior, accounting-system data, or transaction flows to improve underwriting and monitoring.
  • Strong communication skills for explaining underwriting decisions, tradeoffs, risk trends, and exceptions to senior stakeholders.
  • Prior lending exposure is preferred, especially in small business lending, working capital, MCA, factoring, term loans, or embedded finance.
  • Experience launching or scaling lending, credit, or embedded-finance products in payments, fintech, or B2B software is preferred.
  • Familiarity with AI/ML risk decisioning platforms and LLM-based document review tooling is preferred.
  • Background in B2B payments, accounts receivable payments, embedded finance, or vertical SaaS is preferred.
  • Exposure to model risk management frameworks such as SR 11-7 is preferred.
  • Experience navigating sponsor bank audits and regulatory exams is preferred.
  • Working understanding of lending economics, including credit facilities, covenants, advance rates, and cost of capital, is preferred.
  • Experience operating across multiple jurisdictions, including U.S. and Canadian payments or lending requirements, is preferred.

Benefits

  • Remote work indicated by #LI-Remote.
  • Equal opportunity employer status.
  • Commitment to diversity and nondiscrimination.

Interested in this position?

Apply directly on the company website

Apply Now

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