Total Processing
Manchester, UK
Closing date
16 Oct 2020

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Contract Type
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Card Payment Underwriter - £18,000 to £22,000 p/a - Manchester City Centre

The Role

Total Processing is seeking a Card Payment Underwriter who will be part of the Applications and Underwriting team, which is responsible for the underwriting and ongoing risk monitoring of our Card Not Present (CNP) merchant portfolio.

The primary responsibility of this role is to package merchant applications to the acquiring banks acceptance policy, underwrite and perform a credit review of eCommerce merchants wanting to board to the Total Processing services platform, and to gather required know your customer ("KYC") and anti-money laundering ("AML") information. This forms a key part of our on-boarding process; the successful candidate will be a valued and integral part of our rapidly growing team.

The key responsibilities of a Card Payment Underwriter include, but are not limited to:

Taking responsibility for merchant underwriting and ongoing periodic reviews
Case packaging and drafting for acquiring bank acceptance
Developing knowledge of AML, KYC, PCI, OFAC, MC/Visa compliance and equivalents in all relevant domestic and international markets; and developing experience with Card Not Present (CNP) merchants industries, becoming a SME within those industries
Qualifying client documents for 'Know Your Business' and 'Know Your Client' information
Reviewing and reporting on existing merchants periodically to ensure compliance with card scheme rules and regulations
Assisting in the analysis of chargeback exposure and provide Management Information (MI) on merchant performance, identified trends and risk elements
Ensuring processes operate as designed; and identifying risk, escalating where appropriate
The Company

Total Processing facilitates online payments for ecommerce and POS businesses across all market sectors including both low- and high-risk industries. Our merchant services allows our business clients to take secure card payments via online websites, over the telephone and face to face, offering peace of mind to both the business and their customers with each transaction.

We pride ourselves in offering a bespoke service that can be tailored to client requirements and business growth. This together with marketing leading rates and payment platforms across multiple acquiring banks and allow our sales team to be on the front foot with any prospective client.

The Person

This role would suit someone with at least one years' experience in credit, underwriting, preferably in the card payments industry; and in packaging and drafting IVAs. The key skills and qualities of a Card Payment Underwriter include:

Experience with online/card not present merchants in electronic and digital commerce channels; knowledge of card transactions and Visa/MasterCard regulations strongly preferred
A results-focused individual, with strong conceptual and quantitative problem-solving skills, able to deliver results on a consistent basis
Skilled communicator with excellent written, verbal, facilitation and presentation abilities; able to work with and influence management regarding risk and compliance issues
Extensive multi-tasking and prioritisation skills, able to excel in a fast-paced environment with frequently changing priorities
Proficient use of Excel and other MS Office applications
If you are keen on joining this exciting, forward thinking company and taking the next step in your career, then please click the apply now button to find out more
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