Underwriting Specialist

Ensuring the integrity of the company’s merchant onboarding process through thorough identity verification, document validation, and adherence to Know Your Customer (KYC) and Anti-Money Laundering (AML) regulations. Protecting the company against financial crime risks by maintaining accurate onboarding records, identifying inconsistencies or risk indicators, and ensuring compliance with regulatory requirements. Collaborating closely with Risk, Compliance, and Legal teams to manage operational workflows and support continuous process improvements in a fast-paced fintech environment.

Responsibilities

• Perform comprehensive identity verification and KYC procedures for new merchant applications in accordance with internal policies and regulatory standards.
• Review and validate all submitted KYC documentation, ensuring accuracy, authenticity, and alignment with company requirements.
• Identify, flag, and escalate any inconsistencies, discrepancies, or risk indicators detected during the document review or identity verification process.
• Maintain organized and accurate onboarding records to support internal audits, regulatory reviews, and reporting obligations.
• Collaborate with Risk, Compliance Operations, and Legal teams to manage and optimize onboarding workflows, ensuring operational efficiency and regulatory compliance.
• Ensure that merchant onboarding and KYC processes remain up-to-date with applicable financial regulations and internal policy updates.
• Participate in ongoing training to stay informed of changes in fintech regulations, KYC/AML practices, and compliance requirements.
• Support process enhancement initiatives by providing feedback on recurring issues or operational bottlenecks encountered during onboarding.
• Assist in preparing reports and dashboards related to onboarding performance, flagged cases, and compliance indicators when required.
  
  

Requirements

• Bachelor’s degree in finance, Business Administration, Risk Management, Economics, Criminology, or a related field.
• Minimum of a year of related experience
• Ability to manage multiple onboarding cases while maintaining accuracy and meeting deadlines in a high-volume, fast-paced environment.
• Previous internship or work experience in a fintech, financial institution, or compliance-related function.
• Familiarity with KYC, AML, CDD (Customer Due Diligence), US and UN principles and financial regulatory requirements is a plus.
• Experience using onboarding or compliance platforms is an advantage.
• Good