Credit Risk Underwriter

Calling all innovators – find your future at Fiserv. We’re Fiserv, a global leader in Fintech and payments, and we move money and information in a way that moves the world. We connect financial institutions, corporations, merchants, and consumers to one another millions of times a day – quickly, reliably, and securely. Any time you swipe your credit card, pay through a mobile app, or withdraw money from the bank, we’re involved. If you want to make an impact on a global scale, come make a difference at Fiserv. Job Title Credit Risk Underwriter Entities We Manage: Retail ISOs (RISO), Third Party Service Providers (TPSP), Encryption Support Organizations (ESO), Merchant Cash Advance providers (CAD), Terminal Servicers, and a small number of Agent Banks Objectives and Responsibilities: Conduct underwriting of new retail relationships for all entity types Conduct periodic annual reviews of all retail entities Monitor relationships for the presence of reputational and other risks Ensure partner compliance with Credit Policy and Retail ISO Program Standards Annual and ongoing audit of the Periodic Review, Registration, ISO, and Integrated Partners databases to ensure that all active entities are registered and in a review cycle Manage removal of Inactive User IDs and provide backup for the creation of new User IDs for MAI, CARS, and IDS (Integrated Dispute System) systems Provide on demand MATCH diligence searches and review for Card Compliance as needed Manage, update, and upload monthly Retail ISO OFAC files for consistent screening Manage Monthly Retail ISO Alerts for variances in portfolio composition and chargeback levels Experience you'll need to have: 3+ years of experience in credit risk, underwriting, merchant processing, financial services, or a related risk evaluation environment 2+ years of experience reviewing individual and business credit reports and applying findings to risk-based decisions 2+ years of experience working in a client-facing role with sales partners, merchants, processors, or similar external stakeholders 2+ years of experience using Microsoft Office Suite to document reviews, manage workflows, and communicate findings Ability to assess application quality, interpret supporting documentation, and use third-party verification tools to evaluate business legitimacy and credit exposure Bachelor's Degree in finance, business, accounting, economics, or a related field, or equivalent combination of education, related experience and/or military experience Experience that would be great to have: Experience in the merchant processing industry Knowledge of card brand rules and regulations Experience supporting underwriting workflows tied to service level agreement (SLA) performance Experience evaluating small business or merchant application documentation Thank you for considering employment with Fiserv. Please: Apply using your legal name Complete the step-by-step profile and attach your resume (either is acceptable, both are preferable). Our commitment to Diversity and Inclusion: Fiserv is proud to be an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, gender, gender identity, sexual orientation, age, disability, protected veteran status, or any other category protected by law. Note to agencies: Fiserv does not accept resume submissions from agencies outside of existing agreements. Please do not send resumes to Fiserv associates. Fiserv is not responsible for any fees associated with unsolicited resume submissions. Warning about fake job posts: Please be aware of fraudulent job postings that are not affiliated with Fiserv. Fraudulent job postings may be used by cyber criminals to target your personally identifiable information and/or to steal money or financial information. Any communications from a Fiserv representative will come from a legitimate Fiserv email address.