Director of Underwriting, Funding, Risk & Collections

Stellenbeschreibung:

Provide strategic leadership over payments underwriting, portfolio risk, funding, collections, and related merchant risk operations for U.S. and Canadian merchants
Set the operating strategy and provide team leadership, managing vendor and acquiring bank relationships
Monitor portfolio performance and risk trends, identifying emerging risks and recommending portfolio-level actions
Oversee automated high-risk alert monitoring systems, criteria, and reporting to improve decision quality and reduce manual dependency
Partner with cross-functional teams to improve systems, workflows, and alignment
Prepare and present risk, funding, and collections reporting to the CFO and other senior stakeholders
Manage relationships with acquiring bank risk teams, AML partners, auditors, and vendors
Evaluate vendor performance, contracts, issue resolution, and scalability against business objectives and regulatory requirements

Bachelor’s degree in Accounting, Finance, Business, or related field; Master’s or MBA preferred
8+ years of progressive experience in underwriting, risk management, fraud, payment processing, funding, collections, or financial services operations
Prior experience leading multi-disciplinary teams in medium-to-large, complex organizations
Experience managing U.S. and Canadian underwriting, risk, funding, and/or collections operations
Experience leading process improvement, automation, workflow transformation, or AI-enabled decision-support initiatives in a risk, payments, fintech, PayFac, or financial services environment
Experience with PayFac environments preferred
Experience with Agreement Express, WorldPay, and electronic check processing preferred
Strong knowledge of PayFac, AML, KYC, OFAC, card network, ACH, and acquiring bank requirements
Proficiency in Microsoft Excel and comfort with reporting, workflow, and risk technology tools