Senior Director of Risk and Underwriting

Job Summary

Leading the risk and underwriting function remotely, the full-time Senior Director of Risk and Underwriting will develop and implement risk frameworks, oversee portfolio risk management, and maintain relationships with financial institution partners while enabling safe growth in a dynamic payments environment.

Key responsibilities

• Developing and executing underwriting policies for card merchants and A2A clients, focusing on high-velocity onboarding
• Monitoring portfolio risk through fraud and transaction alerts, chargeback operations, and compliance with KYC and KYB regulations
• Managing reserve methodologies, including sizing and release decisions, while ensuring readiness for audits and examinations

Required qualifications

• Minimum of eight years of experience in risk and underwriting within a regulated payments business
• Proven track record of managing sponsor bank or ODFI relationships
• Expertise in fraud strategy, chargeback management, and AML/KYC program governance
• Experience with AI and automation in underwriting processes
• Strong credibility with auditors and executive leadership in the payments sector