Underwriter

**WHO WE ARE**
- Founded in 2008, Trustly is the global leader in Open Banking Payments, and the U.S. is Trustly’s fastest-growing market. Today we serve 10,000 merchants, connecting them with over 650 million consumers and 7,600 banks in over 30 countries. In 2021, we processed over $20 billion in transaction volume in our global network.

Our digital account-to-account platform redefines the speed, simplicity, and security of payments. Consumers pay for purchases by simply signing into their bank accounts, bypassing the card networks, and never leaving a merchant’s site or app - no credit card numbers or separate account setup necessary. With offices in Vitoria, Brazil, Silicon Valley in the US, and global headquarters in Stockholm, Sweden, we are a culturally diverse team. Across Brazil, we have embraced remote work from home policy.

At Trustly, we believe that inclusion and diversity are essential foundations for building a fair and equitable society. We do not discriminate based on race, religion, ancestry, color, national origin, gender identity, sexual orientation, age, citizenship, marital status, or disability status. Our main goal is to provide a fair, welcoming, diverse environment with opportunities for all collaborators. The stages of our selection process take place online and without distinction of any kind.

It’s a great time to join Trustly as the Americas team is growing fast. If you thrive in an entrepreneurially-minded, fast-paced, casual, professional, positive, and rewarding work environment, check us out

**About the team**
- The Underwriting team is responsible for reviewing all new and existing insourced deals holistically by analyzing the merchants' compliance framework and risk controls, financial conditions, historical performance, and regulatory and legal environment.

**What you'll do**:

- Review industry information and comparisons, key risks, and mitigants to form a general risk overview of merchants;
- Review financial statements and/or business tax returns and performs analysis to recommend merchant’s risk ratings;
- Ensure compliance with all BSA/AML and other regulatory requirements;
- Summarize analysis in a concise credit memo and complete all required underwriting checklists;
- Underwrite according to applicable regulations, procedures, and guidelines;
- Conduct periodic reviews for existing merchants to facilitate ongoing risk monitoring and management;
- Maintain productivity standard goals as established by management;
- Other duties as assigned.

**Who you are**:

- Bachelor's degree in Accounting, Finance, Business Administration, Statistics, Mathematics, or a related field;
- Solid experience in a commercial underwriting role at a fintech or other financial institution;
- Understanding of credit fundamentals in a commercial environment;
- Must have familiarity with commercial credit underwriting and Know Your Customer (KYC) requirements in North America;
- Good independent decision-making capabilities;
- Must be detail-oriented, and able to prioritize multiple tasks to meet deadlines;
- Flexible and adaptable to a dynamic environment;
- Strong analytical, intuitive investigation, and problem-solving skills;
- High level of English proficiency both in oral and written communication;
- Ability to exercise sound, professional judgment;
- Demonstrate experience in working with cross-functional teams;
- Strong Microsoft Office skills; Salesforce knowledge is a plus.

**Our perks and benefits**:

- Bradesco health and dental plan, for you and your dependents, with no co-payment cost
- Life insurance with differentiated coverage
- Meal voucher and supermarket voucher
- Home Office Allowance
- Gympass - Platform that gives access to spaces for physical activities and online classes
- Trustly Club - Discount at educational institutions and partner stores
- Monthly happy hours with iFood coupon
- English Program - Here you have space to develop your English, and you can choose an Online Platform or English Classes in company
- Extended maternity and paternity leave
- Birthday Off
- Flexible hours/Home Office - our culture is remote-first You can work in every city in Brazil
- Welcome Kit - We work with Apple equipment (Macbook Pro, iPhone) and we send many more treats Spoiler alert: Equipment can be purchased by you according to internal criteria
- Annual premium - As a member of our team, you are eligible to receive an annual bonus, at the company's discretion, based on the achievement of our KPI's.

At Trustly, we embrace and celebrate diversity of all forms and the value it brings to our employees and customers. We are proud and committed to being an Equal Opportunity Employer and believe an open and inclusive environment enables people to do their best work. All decisions regarding hiring, advancement, and any other aspects of employment are made solely on the basis of qualifications, merit, and business need.