This includes leading Enhanced Due Diligence (EDD), assessing high-risk merchants, and ensuring compliance with regulatory, card scheme, and payment channel requirements. You will work closely with internal stakeholders, support team development, and act as a key decision-maker for escalated and high-impact cases.

The role requires strong hands-on experience in underwriting, the ability to make sound risk decisions, and the capability to translate risk insights into practical actions.

Key responsibilities include:

• Evaluating and underwriting new and existing merchant applications, including high-risk industries and complex business models
• Conducting Enhanced Due Diligence (EDD) and assessing risks across business model, MCC, transaction flow, and geography
• Making approval, conditional approval, or rejection decisions based on risk assessment and business considerations
• Assessing exposure risk with clear understanding of financial impact, liability implications, and impact to merchant performance

• Performing ongoing risk assessments and detailed reviews of merchant portfolio to identify high-risk behaviours
• Overseeing Ongoing Due Diligence (ODD) and ensuring merchants meet regulatory, card scheme, and payment channel requirements
• Monitoring merchant performance including chargeback ratios, abnormal transaction behaviour, and compliance indicators
• Recommending appropriate actions such as review, restriction, or termination based on risk findings

• Demonstrating strong understanding and hands-on experience with card schemes (e.g. Visa, Mastercard) and their rules and requirements
• Ensuring merchant compliance with card scheme and payment channel requirements (including e-wallets and PayNet), including prohibited categories and monitoring thresholds such as excessive chargebacks
• Applying scheme and channel requirements in underwriting decisions and ongoing risk management

• Supporting the Manager in guiding the underwriting team and providing day-to-day direction
• Mentoring junior analysts by reviewing cases, providing feedback, and guiding decision-making
• Ensuring consistency, accuracy, and adherence to underwriting standards and risk policies

• Developing and refining underwriting frameworks, EDD and ODD processes, and risk management practices
• Identifying gaps and implementing improvements to strengthen risk controls and operational efficiency
• Ensuring internal policies remain aligned with regulatory, card scheme, and payment channel requirements

• Acting as the key contact for escalated and complex risk cases, providing clear analysis and recommendations
• Supporting relevant business units by providing underwriting insights and risk assessment support for complex or escalated cases
• Collaborating with Business, Operations, Dispute, and Compliance teams to support decision-making
• Preparing and presenting risk insights, analysis, and reports to senior management

Experience Level: senior

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