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Transaction Risk Underwriter Jobs (NOW HIRING)

Coinflow

Senior Merchant Underwriter

Chicago, IL · On-site

$100K - $140K/yr

This includes reviews of licenses, legal opinions, transaction activity, and credit risk. You will ... New Business Underwriting: Evaluate merchant applications, ensuring that merchants are operating ...

Inhabit

Senior Credit Risk Analyst

Alpharetta, GA · On-site

Leverage AI-assisted underwriting tools to accelerate application evaluation, surface risk indicators, and validate AI-generated outputs with sound human judgment * Monitor daily transactions to ...

Southstar Capital LLC

Underwriter

Mount Pleasant, SC · On-site

The ideal candidate will bring deep a knowledge of Commercial Finance with the ability to balance credit risk with business growth objectives. Key Responsibilities * Transaction Underwriting & Credit ...

Diedre Moire

VP M&A Transaction Risks

Houston, TX · On-site +1

$300K - $400K/yr

Insurance Co VP M&A R&A Transaction Risk - Houston, TX Vice President VP Mergers and Acquisitions Representation and Warranty Insurance Underwriting MBA Attorney CPA Accountant Underwriter ...

Diedre Moire Corp.

VP M&A Transaction Risks

Houston, TX · On-site +1

$300K - $400K/yr

Insurance Co VP M&A R&A Transaction Risk - Houston, TX Vice President VP Mergers and Acquisitions Representation and Warranty Insurance Underwriting MBA Attorney CPA Accountant Underwriter ...

Shift4

Credit Risk Lead

Atlanta, GA · On-site

As the leader in commerce-enabling technology, Shift4 powers billions of transactions annually for ... Lead underwriting of complex, high-risk merchant applications across key verticals (e.g., Airlines ...

Shift4

Credit Risk Lead

Atlanta, GA · Remote

As the leader in commerce-enabling technology, Shift4 powers billions of transactions annually for ... Lead underwriting of complex, high-risk merchant applications across key verticals (e.g., Airlines ...

NEWMARK

Underwriter Associate

Boston, MA · On-site

$75K - $95K/yr

We are seeking an Underwriter Associate to support commercial real estate title transactions by analyzing title searches, commitments, surveys, and legal descriptions to assess and mitigate risk. The ...

Texas Farm Bureau

Underwriter

Waco, TX · On-site

MAJOR RESPONSIBILITIES AND AUTHORITY Review transactions to determine acceptability of risk in accordance with company standards, guidelines, and procedures. Make and implement underwriting decisions ...

Texas Farm Bureau Insurance

Underwriter

Waco, TX · On-site

MAJOR RESPONSIBILITIES AND AUTHORITY Review transactions to determine acceptability of risk in accordance with company standards, guidelines, and procedures. Make and implement underwriting decisions ...

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How much do transaction risk underwriter jobs pay per year?

As of Jun 6, 2026, the average yearly pay for transaction risk underwriter in the United States is $109,999.00, according to ZipRecruiter salary data. Most workers in this role earn between $103,500.00 and $115,000.00 per year, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive as a Transaction Risk Underwriter, and why are they important?

To thrive as a Transaction Risk Underwriter, you need strong analytical abilities, financial acumen, and knowledge of risk assessment, often supported by a degree in finance, business, or a related field. Familiarity with risk modeling software, fraud detection systems, and underwriting platforms is typically required, along with relevant certifications such as CPCU or ARM. Attention to detail, sound judgment, and effective communication are crucial soft skills for evaluating complex transactions and collaborating with stakeholders. These competencies are vital for accurately assessing risk, minimizing financial losses, and ensuring secure and compliant business operations.

What are Transaction Risk Underwriters?

Transaction Risk Underwriters are professionals who assess, evaluate, and manage the risks associated with complex financial transactions, such as mergers and acquisitions, or warranty and indemnity insurance. Their primary role is to analyze potential exposures that could arise from a transaction and determine the appropriate terms, pricing, and coverage for risk transfer solutions. They work closely with legal, financial, and insurance professionals to ensure that clients are protected against unforeseen liabilities. This role requires strong analytical skills, attention to detail, and a deep understanding of both insurance products and the specifics of business transactions.

What is the difference between Transaction Risk Underwriter vs Credit Analyst?

AspectTransaction Risk UnderwriterCredit Analyst
CredentialsTypically requires underwriting certifications or finance degreesOften requires finance, accounting, or economics degrees
Work EnvironmentFinancial institutions, banks, or lending companiesBanks, credit agencies, or financial firms
Primary FocusAssessing transaction risks for loan approvalsAnalyzing creditworthiness of individuals or companies
Common UsageUsed in loan underwriting and risk assessmentUsed in credit evaluation and risk management

While both roles involve financial analysis, Transaction Risk Underwriters focus on evaluating risks associated with specific transactions, such as loans or credit applications, often requiring underwriting certifications. Credit Analysts primarily assess overall creditworthiness of clients or companies, working across various financial products. Both roles are vital in the lending industry but differ in scope and specific responsibilities.

How does a Transaction Risk Underwriter typically collaborate with other departments to assess and mitigate risk?

Transaction Risk Underwriters frequently work cross-functionally with teams such as compliance, fraud prevention, legal, and operations. They collaborate to gather relevant data, share insights on emerging risks, and develop strategies to minimize potential losses. This teamwork ensures a comprehensive evaluation of transactions and helps implement effective risk mitigation measures. Regular meetings and clear communication are essential to keep everyone aligned and responsive to new threats.
Infographic showing various Transaction Risk Underwriter job openings in the United States as of May 2026, with employment types broken down into 83% Full Time, and 17% Contract. Highlights an 66% In-person, 17% Hybrid, and 17% Remote job distribution, with an average salary of $109,999 per year, or $52.9 per hour.

Senior Merchant Underwriter

Coinflow

Chicago, IL • On-site

$100K - $140K/yr

Full-time

Medical, Retirement

Posted 28 days ago

Job description

About Coinflow
Coinflow is the next-generation payment service provider revolutionizing global financial infrastructure with stablecoins, AI-driven fraud prevention, and instant settlement. Coinflow enables businesses to grow faster with instant settlement, fraud & chargeback indemnity, global pay-ins, multi-currency FX, and unified payouts. Founded in 2023, the company serves marketplaces, fintechs, remittance providers, gaming platforms, and ecommerce merchants worldwide.
Since our seed round in 2024, we've achieved 23x revenue growth and scaled to multi-billion-dollar annual transaction volume. In response to this growth, Coinflow announced a $25M Series A in October 2025-led by Pantera Capital, CMT Digital, Coinbase Ventures, Jump Crypto, and Reciprocal Ventures-accelerating our mission to power the world's fastest-moving businesses with innovative, reliable global payments.
Coinflow is proudly headquartered in Chicago, IL. Learn more at coinflow.cash.
The Role
As a Senior Merchant Underwriter, you will perform critical analyses on all merchant applications. This includes reviews of licenses, legal opinions, transaction activity, and credit risk. You will hold independent decision making authority for standard merchant applications and serve as a lead advisor for high-risk sectors (e.g., Crypto, Real Money Gaming, Remittance); for these complex reviews, you will determine the optimal underwriting posture and present formal approval, approval with mitigation, or decline recommendations to risk & executive leadership.
What You'll Do
  • New Business Underwriting: Evaluate merchant applications, ensuring that merchants are operating Legally, within Card Scheme Rules, and within Coinflow's operational risk appetite. This includes credit reviews to ensure financial stability and the ability to cover potential chargeback liabilities.
  • Backbook & Portfolio Reviews: Complete refresher reviews of the existing merchant portfolio, such as reviewing updated licenses, legal opinions, or Financial Statements to ensure that merchants are still operating compliantly and manage any changes to their risk profile.
  • Alert Investigation: Perform investigations on Chargeback Spikes, ACH Returns, or other indicators of changes to a merchants risk profile.
  • Process & Efficiency Projects: Drive process improvement or tooling projects to improve efficiency and scale our Underwriting program.
  • Regulatory & Scheme Adaptation: Lead initiatives to update internal processes and policies in response to emerging card partner/scheme requirements, laws, or new regional expansions.
  • Risk Mitigation: Determine actionable conditions for approval, such as implementing reserves, transaction limits, or enhanced monitoring.
  • Collaborate cross-functionally: Partner with Compliance, Product, Engineering, and Operations to help build scalable Underwriting solutions.

Required Qualifications
  • 4+ years in fintech, payments, banking, or financial services Underwriting.
  • Understanding of payment processing, merchant acquiring, and transaction risk.
  • Familiarity with evaluating high regulatory risk business models, such as business related to crypto, remittance, real money gaming, and prediction markets.
  • Proven track record meeting SLAs, and performance expectations
  • Strong analytical skills with ability to work with data and make evidence-based decisions.
  • Excellent communication skills and comfort operating in ambiguous, fast-paced environments.
  • Proficiency in spreadsheet software (Excel/Google Sheets) for data modeling, trend analysis, and synthesis of merchant processing data.

Preferred Qualifications
  • Experience working transaction monitoring systems and case management platforms.
  • SQL and business intelligence tools (e.g., Tableau, Looker).
  • Background in high-growth payment companies.
  • Interest in cryptocurrency and/or blockchain analytics expertise (Chainalysis, Merkle, Elliptic, TRM Labs).
  • Bachelor's degree

Why Join Coinflow?
  • Build from the ground up - Shape our financial crimes program with executive visibility
  • High-growth opportunity - Join during a pivotal phase with room to expand your role with team and scope
  • Cutting-edge work - Operate at the intersection of compliance, crypto, and innovative payment technology
  • Competitive package - Strong salary, equity, comprehensive benefits, and professional development support
  • Collaborative culture - Work with talented, mission-driven people building the future of payments

The base salary range for this role is $100,000 to $140,000 USD. The actual base salary offered depends on a variety of factors, including but not limited to experience, education, skills, qualifications and business needs.
In addition, the employee who fills this role will be eligible for an equity grant, allowing you to share in the long-term success of the company. You will also have access to a wide array of benefits, including health and wellness benefits, 401(k) savings plan, and flexible time off.
Join the team rewriting how money moves worldwide-and become a driving force in the $194 trillion cross-border payments market.

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