Coinflow Labs
Senior Merchant Underwriter
$100K–$140K
Chicago · On-site · Senior · Full-time · Posted Jan 8, 2026
- Experience
- 4+ years in fintech, payments, banking, or financial services Underwriting.
About the job
Underwrite new and existing merchants, assess transaction and credit risk, and recommend risk mitigations and decisions, including for high-risk sectors.
What you'll do
- Review merchant applications, licenses, legal opinions, financial information, and transaction activity for compliance and risk.
- Investigate portfolio changes and risk alerts; recommend measures such as reserves, transaction limits, or enhanced monitoring.
- Improve underwriting processes and policies, including adapting to regulatory and scheme changes and collaborating across teams.
What they ask for
- 4+ years in fintech, payments, banking, or financial services Underwriting.
- Understanding of payment processing, merchant acquiring, and transaction risk; familiarity with high-regulatory-risk business models such as crypto, remittance, real money gaming, and prediction markets.
- Proven track record meeting SLAs and performance expectations; strong analytical and communication skills.
- Proficiency in Excel/Google Sheets for data modeling, trend analysis, and synthesis of merchant processing data.
Nice to have
- Experience with transaction monitoring systems and case management platforms; SQL and business intelligence tools (e.g., Tableau, Looker).
- Bachelor's degree; cryptocurrency or blockchain analytics expertise (Chainalysis, Merkle, Elliptic, TRM Labs).
Pay
$100,000 to $140,000 USD (base salary)
Tools
Excel, Google Sheets, SQL, Tableau, Looker, Chainalysis, Merkle, Elliptic
Model-written summary · the original posting is authoritative