Senior Underwriter

Company Description:

Trust Payments is an MFSA-regulated in Malta; and an FCA-regulated company in the UK. We provide a range of payments and commerce solutions, with market-leading technology and data insights.

We offer innovative payment methods and cutting-edge technologies, with a truly global presence. Our global offices cater to the most demanding business sectors, including retail, travel, hospitality, forex, and financial services.

Driving value for our clients and demonstrating genuine care for their success, is a core value of ours. We also believe in striving to build a better, more sustainable tomorrow and believe in conducting our business ethically, driving social and environmental change.

We have a passionate, collaborative, and diverse culture that recognizes that every employee contributes to our business success.

Find out more at www.trustpayments.com.

Trust Payments has an exciting opportunity for a Senior Underwriter to join their team.

Location: Hybrid- London, United Kingdom

Salary: Competitive + Benefits

How will you make an impact in this role?

The Role:

We are seeking an experienced Senior Underwriter to join our Risk Management team. This role is critical in evaluating merchant applications, assessing risk profiles, and making informed underwriting decisions to protect the company while supporting business growth. The Senior Underwriter will review and complete underwriting and credit analysis of applications by applying sound underwriting judgment and adhering to company policy. The role involves supporting the Underwriting Team Lead in communicating company goals and deadlines, as well as helping to motivate team members and train new starters.

What We Expect of You, Day To Day:

• Evaluate merchant applications for payment processing services, conducting thorough risk assessments
• Analyse financial statements, business models, and credit reports to determine merchant risk levels
• Make independent underwriting decisions based on established risk criteria and company policies
• Review high-risk or complex merchant applications, providing expert recommendations
• Collaborate with Sales, Compliance and Fraud teams to balance risk management with business objectives
• Stay current with industry regulations, card scheme rules and emerging fraud trends
• Provide guidance to junior underwriters and contribute to the development of underwriting policies
• Prepare detailed reports on underwriting activities and risk metrics
• Ensure adherence to underwriting standards, instructions and best practices to minimise risk and maximise efficiency
• Maintain compliance with Company and Card Scheme rules and policies
• Calculate financial risk exposure and implement appropriate risk mitigation measures
• Contribute to continuous process improvement and share best practices
• Assist in training new team members
• Build strong partnerships with other teams such as BRO and Operations

Qualifications

• 5+ years of underwriting experience within merchant acquiring, payment processing or financial services
• In-depth knowledge of card scheme regulations (Visa, Mastercard) and payment industry compliance requirements
• Strong analytical skills with ability to interpret financial statements and assess business viability
• Experience with AML/KYC procedures and fraud detection methodologies
• Excellent decision-making abilities with attention to detail
• Strong communication skills, both written and verbal
• Bachelor's degree in Finance, Business, Economics or related field
• Knowledge of high-risk merchant categories and appropriate risk mitigation strategies
• Experience with underwriting automation systems and risk scoring models
• Analytical capabilities to identify and assess potential fraud and compliance issues
• Ability to priorities effectively to ensure timely achievement of goals

Additional Information:

Trust Payments is an Equal Opportunities Employer

We are a growing business with an aspiration to create a truly inclusive working environment, where each employee can reach their full potential. We celebrate the differences that exist within our teams. We encourage our people to bring their own opinions and thoughts to work, to be authentic and help us to innovate. We do this by embracing people as individuals, and appreciating that what works for one person, doesn’t work for everyone. We are committed to equal employment opportunity for all, regardless of race, heritage, religion, gender, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity or any other protected characteristic.

If you require reasonable adjustments to be made to enable you to apply for a role with us, or wish to provide feedback about the accessibility of this website, please contact the Talent Acquisition Team.

Get a glimpse into the exciting world of Trust Payments through:

Next Steps:

Ready to revolutionize fintech? If you're excited about this opportunity, we'd love to hear from you!

To submit your resume for this opportunity, please complete the application form and click 'Submit Application' now.

Our Talent Acquisition Team will review your application promptly. We'll contact successful candidates via email and phone to discuss the next steps, including our inclusive interview process.

We offer comprehensive benefits to support our team members and their families' well-being.

Our robust benefits package includes (subject to local office benefits policy):

• Be part of a dynamic, market-leading Fintech experiencing rapid growth
• Flexible work arrangements tailored to role requirements and business needs
• Comprehensive wellness initiatives, including mental health resources supported by internally qualified mental health first aiders
• Extensive leave provisions, encompassing annual, volunteering, and birthday allowances
• Progressive family-oriented policies and benefits, including Maternity, Paternity and Adoption leave
• Robust compensation package, including pension scheme, healthcare plans, and life assurance
• Regular corporate events fostering team cohesion and company culture
• Diverse company culture and global working environment
• Continuous professional development and career advancement opportunities

Offer of employment with Trust Payment is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.

To submit your CV for this opportunity, please complete the application form and click 'Submit Application' now.