Underwriting Officer

Trust Payments has an exciting opportunity for an Underwriting Officer to join our team.

Location:  London, UK (Hybrid), EC3V 3DGSalary: Competitive + Benefits

Job Type: Full – Time Permanent

About Us:

Trust Payments is an MFSA-regulated in Malta; and an FCA-regulated company in the UK. We provide a range of payments and commerce solutions, with market-leading technology and data insights.

We offer innovative payment methods and cutting-edge technologies, with a truly global presence. Our global offices cater to the most demanding business sectors, including gaming, retail, travel, hospitality, forex, and financial services.

We have a passionate, collaborative, and diverse culture that recognises that every employee contributes to our business success.

Underwriting Officer – The Role:

We are seeking an experienced Senior Underwriter to join our Risk Management team. This role is essential in evaluating merchant applications, assessing risk profiles, and making informed underwriting decisions to protect the company whilst assisting business growth. The Senior Underwriter will review and complete underwriting and credit analysis of applications by applying sound underwriting judgement and adhering to company policy. You will also support the Underwriting Team Lead in communicating company goals and deadlines, as well as helping to develop junior team members and train new starters.

Underwriting Officer – Key Responsibilities:

• Evaluate merchant applications for payment processing services, conducting thorough risk assessments
  
  
• Analyse financial statements, business models, and credit reports to determine merchant risk levels
  
  
• Make independent underwriting decisions based on established risk criteria and company policies
  
  
• Review high-risk or complex merchant applications, providing recommendations
  
  -  Collaborate with Sales, Compliance and Fraud teams to balance risk management with business objectives
  
  
• Stay current with industry regulations, card scheme rules and emerging fraud trends
  
  
• Assist junior underwriters and contribute to the development of underwriting policies
  
  
• Prepare detailed reports on underwriting activities and risk metrics
  
  Underwriting Officer – You:
  
  
• 3-5 years of underwriting experience within merchant acquiring, payment processing or financial services, with a strong preference for B2B underwriting experience
  
  
• Knowledge of card scheme regulations (Visa, Mastercard) and payment industry compliance requirements
  
  
• Analytical skills with ability to interpret financial statements and assess business viability
  
  
• Experience with AML/KYC procedures and fraud detection methodologies
  
  
• Bachelor's degree in Finance, Business, Economics or related would be beneficial
  
  
• Experience underwriting high-risk merchant categories (ideally including crypto, gambling, and other regulated sectors) with knowledge of appropriate risk mitigation strategies
  
  
• Experience with underwriting automation systems and risk scoring models
  
  
• Analytical skills to identify and assess potential fraud and compliance issues
  
  Underwriting Officer – Benefits:
  
  Our robust benefits package includes (subject to local office benefits policy):
  
  
• Be part of a dynamic, market-leading Fintech experiencing rapid growth
  
  
• Flexible work arrangements tailored to role requirements and business needs
  
  
• Comprehensive wellness initiatives, including mental health resources assisted by internally qualified mental health first aiders
  
  
• Extensive leave provisions, encompassing annual, volunteering, and birthday allowances
  
  
• Progressive family-oriented policies and benefits, including Maternity, Paternity and Adoption Leave
  
  
• Robust compensation package, including pension scheme, healthcare plans, and life assurance
  
  
• Regular corporate events fostering team cohesion and company culture
  
  
• Diverse company culture and global working environment
  
  
• Continuous professional development and career advancement opportunities
  
  Trust Payments is an Equal Opportunities EmployerWe’re a growing business committed to building an inclusive workplace where everyone can thrive. We value individuality and believe diverse perspectives drive innovation. That’s why we encourage authenticity and welcome different views, recognising that one size doesn’t fit all. We offer equal employment opportunities to all, regardless of race, religion, gender, age, sexual orientation, disability, or any other protected characteristic. If you need any adjustments to assist your application, please get in touch.
  
  Application Process:
  
  Ready to revolutionise fintech If you're excited about this opportunity, we'd love to hear from you!
  
  To submit your application for this Underwriting Officer opportunity, please click 'Apply’ now