ZipRecruiter

Log In

1

Underwriting Program Jobs (NOW HIRING)

Coinflow

Senior Merchant Underwriter

Chicago, IL · On-site

$100K - $140K/yr

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 ...

QuoteWell

Construction Underwriter (Programs)

Help scale Kinetic's construction program from the ground up by establishing strong underwriting practices early and driving efficiency as the business line grows. * Shape the platform. Partner with ...

Canopius

Head of Programs

Chicago, IL

$200K - $232K/yr

Responsibilities Underwriting & Program Strategy: * Devise and execute a cohesive long-term strategy for the US Programs business within the Canopius USA and Global Product frameworks. * Annually ...

previous page

Showing results 41-60

All JobsUnderwriting Program Jobs

Underwriting Program information

See salary details

$32.5K

$78.9K

$139.5K

How much do underwriting program jobs pay per year?

As of Aug 7, 2026, the average yearly pay for underwriting program in the United States is $78,878.00, according to ZipRecruiter salary data. Most workers in this role earn between $61,000.00 and $87,000.00 per year, depending on experience, location, and employer.

What are some common challenges faced by professionals working in an underwriting program, and how can they be addressed?

Professionals in underwriting programs often encounter challenges such as balancing risk assessment with business growth goals, managing tight deadlines, and adapting to evolving regulatory requirements. Staying updated with industry guidelines, leveraging advanced data analytics tools, and cultivating strong communication skills are essential strategies for overcoming these hurdles. Additionally, collaborating closely with sales, legal, and claims teams helps underwriters make well-informed decisions and maintain consistency across the organization.

Is underwriting a good career to get into?

Underwriting is a stable career that involves evaluating risks for insurance companies, requiring analytical skills and attention to detail. It often offers opportunities for advancement, professional certifications, and a predictable work environment, making it a viable option for those interested in finance and risk assessment.

What is an underwriting program?

An underwriting program is a structured process used by financial institutions, insurance companies, or lenders to evaluate the risk and eligibility of applicants for loans, insurance policies, or other financial products. The program sets the guidelines and criteria for assessing factors such as creditworthiness, health, or property value before approving or denying an application. By standardizing this evaluation, underwriting programs help organizations make informed decisions, minimize risk, and ensure compliance with regulations.

Can I become an underwriting program with no experience?

Underwriting programs typically require some knowledge of insurance principles and analytical skills, but many entry-level positions are open to candidates without prior experience. Relevant education, such as a degree in finance or business, and familiarity with underwriting software can improve chances of entry. On-the-job training is common for new hires in underwriting roles.

What is the difference between Underwriting Program vs Underwriter?

AspectUnderwriting ProgramUnderwriter
CredentialsTypically requires insurance or finance certifications, such as CPCU or FCASSame certifications often required, with additional experience in risk assessment
Work EnvironmentFocuses on developing, managing, and implementing underwriting policies and programsPerforms risk evaluation, decision-making, and approval of individual insurance applications
Employer & Industry UsageCommonly employed by insurance companies, brokers, and underwriting firmsFound within insurance companies, underwriting agencies, and brokers

In summary, an Underwriting Program focuses on creating and managing underwriting strategies and policies, while an Underwriter evaluates individual risks and approves insurance applications. Both roles require similar credentials and work within the insurance industry, but their responsibilities differ in scope and focus.

What are the key skills and qualifications needed to thrive in an underwriting program, and why are they important?

To excel in an Underwriting Program, strong analytical skills, attention to detail, and a relevant degree in finance, business, or a related field are essential. Familiarity with underwriting software, risk assessment tools, and industry certifications such as CPCU or AU are typically required. Effective communication, critical thinking, and decision-making skills help underwriters collaborate with stakeholders and evaluate complex information. These abilities ensure accurate risk evaluation, regulatory compliance, and profitable decision-making for financial institutions.
What cities are hiring for Underwriting Program jobs? Cities with the most Underwriting Program job openings:
What states have the most Underwriting Program jobs? States with the most job openings for Underwriting Program jobs include:
Underwriting Program jobs near you

Senior Merchant Underwriter

Coinflow

Chicago, IL • On-site

$100K - $140K/yr

Full-time

Medical, Retirement

Re-posted 1 hour 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.

Apply