Business Card Onboarding Underwriting Risk Specialist — Hybrid, New York, United States

Overview

Support risk-based approval of new business card and payment customers through evidence review, fraud assessment and underwriting policy. Coordinate case decisions with operations and product engineering to improve customer experience and decision quality.

Requirements

• At least one year of experience in underwriting, credit risk management or fraud risk management; the source states a one-to-two-year minimum.
• Bachelor's degree from an accredited university.
• Practical experience with consumer, corporate or small-business cards, payments, invoices, lending or comparable financial products.
• Excellent written and verbal communication and strong customer-support experience by email.
• Strong investigative and critical thinking skills, including analysis of credit and fraud risks.
• Ability to work the Sunday-through-Thursday schedule, including weekends.
• Experience integrating AI-assisted tools into daily work and improving risk decision processes.
• Knowledge of SQL or Python, earlier startup experience, complex financial-product building or telephone support are advantages, not mandatory.

Responsibilities

• Apply and improve underwriting policy for new business credit-card and bill-pay customers.
• Review financial and fraud risk factors when onboarding customer applications.
• Build monitoring dashboards for underwriting outcomes, operational risk and losses.
• Coordinate with product and engineering on decisioning tools and efficient workflows.
• Investigate emerging underwriting and fraud patterns and propose risk controls.
• Communicate with applicants about risks, information requirements and outcomes via phone and email.
• Use AI and workflow automation responsibly to improve accuracy and case throughput.

Conditions

• Full-time hybrid role in New York City, United States.
• Work schedule runs Sunday through Thursday.