About Us

Move money. Make money. Finix is a full-stack acquirer processor, empowering businesses of all sizes with flexible, modern payment solutions. Processing billions of dollars annually, Finix enables SaaS, marketplace, and e-commerce platforms to accept payments, manage payouts, and onboard merchants seamlessly. With our no-code, low-code, and developer-friendly tools, businesses can get up and running in hours—not months.

Finix has raised over $175M, including a $75M Series C led by Acrew Capital, with participation from Lightspeed Venture Partners, Leap Global, American Express Ventures, Bain Capital Ventures, Homebrew, Inspired Capital, Sequoia Capital, Visa, and others.

About the role

The Compliance & Payment Operations (POPs) teams manage Finix’s Compliance and Risk functions. We design, implement, and monitor programs required by regulators, Card Brand and NACHA rules, and our banking partners. This includes interpreting applicable rules (e.g., AML, Enhanced Due Diligence), defining what’s required, building how we execute it, and ensuring compliance to gain approval from Sponsor Banks and Card Brands.

The Enhanced Due Diligence Underwriter will manage underwriting for High Risk Verticals, Payment Facilitators, and ISOs. We're looking for someone proactive and strategic, with the ability to work cross-functionally, support underwriting engine improvements, represent Finix in audits, and partner with Sponsor Banks to onboard High Risk Merchants.

**Standard 5-day work week with required weekend coverage**

You Will:

Create and own the Enhanced Due Diligence of high-risk clients and industries including building out an Enhanced Due Diligence Program for high-risk verticals including debt collection, accounts receivable management, marketplace, digital wallets, subscription services, Nutraceuticals and others as needed

Partner with Account Management within high-risk verticals to determine if we can onboard clients within these verticals while adhering to vertical EDD and AML program requirements

Seek and clarify compliance requirements from sponsor banks and card brands, reviewing these with POPs and Compliance

Once EDD programs are solidified, work with Sales and communicate requirements to potential customers

Work closely with Underwriting, Compliance, and Legal on any potential customer onboarding

You Are:

Proactive and enthusiastic to build an Enhanced Due Diligence program

Excited to research rules & regulations to ensure our interpretation and operationalization is within Finix's risk tolerance

Able to communicate with technical and non-technical teams, translating complex concepts between the two and ensuring alignment between them

Keenly attuned to details, ensuring nothing is overlooked when defining & assessing risk

Organized and able to manage multiple projects simultaneously, against deadlines and within budget

Confident in your abilities but eager to learn and expand your knowledge

You Have:

Prior payments experience at a processor, payment facilitator, or FinTech specializing in money movement

3+ years of experience in Enhanced Due Diligence or Underwriting

A talent for analyzing industry requirements as set by the sponsor bank to determine whether or not Finix can do business with a variety of customers

Knowledge of industry standard regulatory compliance and ability to build a program to ensure potential customers meet these requirements

Customer-facing experience

Ability to work cross-functionally with a variety of teams such as Risk, Compliance, Underwriting, and Account Management

Additional Information

Finix is an equal opportunity employer and values diversity. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, disability status,or any other protected class.

Role: Underwriting Analyst Analyst

Level: IC3-IC4

Location: Remote

Base Salary Range: $75,000/yr to $125,000/yr + equity + benefits

Our salary ranges are determined by role, level, and location. The range displayed on each job posting reflects the minimum and maximum target for new hire salaries at our headquarters in San Francisco, California. Individual pay is determined by work location, job-related skills, experience, and relevant education or training.

#LI-EH1

Meet JobCopilot: Your Personal AI Job Hunter