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Transaction Risk Underwriter Jobs (NOW HIRING)

Arcadia

Risk Analyst

Santa Rosa, CA · On-site

This person will work closely with leadership on onboarding, underwriting, transaction monitoring ... Risk analytics and reporting tied to approval rates, utilization, losses, and fraud trends

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 ...

Arcadia

Risk Analyst

Fremont, CA · On-site

This person will work closely with leadership on onboarding, underwriting, transaction monitoring ... Risk analytics and reporting tied to approval rates, utilization, losses, and fraud trends

First American

Underwriter (hybrid) Texas

Dallas, TX · On-site

$100K - $125K/yr

Analyze and underwrite complex residential and commercial title transactions * Provide clear, practical guidance on title issues, curative matters, and risk mitigation * Exercise sound judgment to ...

Crum & Forster

eRisk/Cyber Underwriter

Morristown, NJ · On-site +1

$115K/yr

Our claims and risk engineering services are recognized as among the best in the industry. Our most ... Transactions include quotes, new business, renewals, endorsements, and cancellations. * Manage and ...

JLL

Underwriter

San Francisco, CA · On-site

The Underwriter must demonstrate the ability for detail, organization and analytical orientation ... transactions simultaneously * Ability to recognize and mitigate risk * Excellent attention to ...

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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.

Risk Analyst

Arcadia

Santa Rosa, CA • On-site

Full-time

This job post has expired 1 day ago. Applications are no longer accepted.

Job description

Credit & Fraud Risk Analyst

We're hiring a Credit & Fraud Risk Analyst to help build and scale the risk function at a fast-growing fintech startup building modern financial infrastructure around Education Savings Accounts (ESAs).

This is a demanding, high-intensity role in a rapidly scaling company. Candidates should expect a fast-moving environment with high ownership, operational rigor, and direct exposure to real-time risk decision making. This person will work closely with leadership on onboarding, underwriting, transaction monitoring, fraud detection, and operational automation across the company's charge card and payments infrastructure.

This is not a traditional back-office risk role. We are looking for highly analytical operators who are comfortable making decisions with imperfect information, digging deeply into data, and balancing customer experience with sound risk management.

What You'll Own

  • Transaction monitoring and fraud investigations across the charge card program
  • Credit risk analysis, underwriting support, and portfolio performance monitoring
  • Risk analytics and reporting tied to approval rates, utilization, losses, and fraud trends
  • Operational workflows and automations across Credit, Fraud, BSA/AML, and servicing
  • Risk tooling, dashboards, and data-driven decision infrastructure
  • Cross-functional coordination across engineering, compliance, legal, support, and operations teams
  • Building scalable systems for a rapidly growing fintech platform

What You'll Do

  • Monitor and investigate transaction activity to identify fraud patterns, suspicious behavior, and emerging risk vectors
  • Analyze portfolio performance including approval rates, loss rates, NSF returns, and utilization trends
  • Build analytics initiatives to support underwriting optimization and portfolio management strategies
  • Develop operational automations that streamline workflows across risk and compliance functions
  • Work closely with engineering, legal, support, and compliance teams to operationalize risk requirements
  • Communicate directly with customers while balancing customer experience and risk management objectives
  • Identify operational bottlenecks and improve internal processes through automation and data analysis
  • Help shape how the risk organization scales as the business grows
  • Operate effectively in an environment with constant change, evolving priorities, and imperfect information

Who You Are

  • 2+ years of experience across risk, credit, fraud, underwriting, trust & safety, or operational analytics functions
  • Experience working in fast-paced startup, fintech, payments, banking, or high-growth environments
  • Strong analytical mindset with the ability to make decisions using incomplete information
  • Comfortable working directly with transaction data, portfolio analytics, and operational workflows
  • Strong attention to detail with a high level of operational ownership
  • Customer-oriented and thoughtful about balancing friction with risk mitigation
  • Highly organized, resourceful, and execution-oriented
  • Comfortable working cross-functionally with technical and non-technical teams

Strongly Preferred

  • Experience with credit card, charge card, or payments products
  • Exposure to underwriting, fraud prevention, transaction monitoring, or portfolio risk management
  • Familiarity with MCC codes, merchant risk, or payments infrastructure
  • Strong SQL skills and comfort analyzing transaction-level data
  • Experience building automations or operational tooling
  • Startup or early-stage fintech experience

Why This Role

This is an opportunity to join a company at an early stage and help build the foundation of the risk organization from the ground up.

You'll work directly with experienced fintech and risk leadership, influence core operational and product decisions, and have meaningful ownership from day one in a rapidly growing startup environment.

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