Senior Merchant Underwriter
Coinflow provides global payment acceptance, instant blockchain settlement, and real-time payouts for online businesses.
Funding history
Projects
About Coinflow
Coinflow is a payments company that connects traditional payment methods such as cards and bank transfers with stablecoin settlement on public blockchains. Its APIs and low-code widgets let merchants accept payments, settle funds instantly in USDC, issue real-time payouts, and manage chargeback protection and marketplace split payments across more than 130 countries.
Skills
Candidate Availability
Required and preferred rules are kept separate and reflect the wording in the original posting.
About the Role
You will analyze merchant applications, licenses, legal opinions, transaction activity, and credit risk. You will underwrite new and existing merchants, investigate chargeback and ACH return alerts, determine risk mitigations, improve underwriting processes, adapt policies to regulatory and card scheme changes, and advise leadership on complex approvals or declines.
Requirements
- 4+ years of experience in fintech, payments, banking, or financial services underwriting
- Understanding of payment processing, merchant acquiring, and transaction risk
- Familiarity with high regulatory risk business models including crypto, remittance, real money gaming, and prediction markets
- Track record meeting SLAs and performance expectations
- Strong analytical skills for data-driven decision-making
- Excellent communication skills
- Ability to work in ambiguous and fast-paced environments
- Proficiency with Excel or Google Sheets for data modeling and trend analysis
- Experience with transaction monitoring systems and case management platforms
- SQL and business intelligence tools such as Tableau or Looker
- Interest in cryptocurrency or blockchain analytics tools such as Chainalysis, Merkle, Elliptic, or TRM Labs
- Bachelor's degree
Responsibilities
- Evaluate merchant applications for legal, card scheme, and operational risk compliance
- Perform credit reviews to assess financial stability and chargeback liability coverage
- Review existing merchant portfolios, licenses, legal opinions, and financial statements
- Investigate chargeback spikes, ACH returns, and other risk profile indicators
- Drive process improvement and tooling projects for the underwriting program
- Update internal processes and policies for card scheme requirements, laws, and regional expansions
- Determine approval conditions such as reserves, transaction limits, and enhanced monitoring
- Collaborate with Compliance, Product, Engineering, and Operations on scalable underwriting solutions
- Advise risk and executive leadership on approval, mitigation, or decline recommendations
Benefits
- Salary and equity
- Health and wellness benefits
- 401(k) savings plan
- Flexible time off
- Professional development support