Underwriter - Aurora Payments, LLC - Remotely
(2025-01)
- Review merchant applications using multiple Underwriting tools and identify associated credit, fraud, and reputational risk
- Analyze data, draw meaningful conclusions, and prepare a written summary results in accordance with department procedures
- Maintain records of all underwriting performed
- Maintain communication and collaboration with sales partners, merchants and co-workers
- Actively engage with Risk Management to identify current Risk and market trend
- Perform monthly audit per the bank's request
- Other duties as assigned
Underwriter - Trinity Payment Solutions, LP - Remotely
(2021-01 - 2024-06)
- Data entry: Enter new accounts into internal system
- Review, modify and update Underwriting policies and procedures
- Follow up and abide the sponsored bank and the credit cards' updating rules
- Assess the applicant's credit worthiness and background check
- Analyze the applicant's financial information such as income statements, tax forms, cash flow history and current debts and thoroughly conduct necessary searches prior to make final decisions on the application
- Process, underwrite and approve or decline accounts
- Identify and report any instances of identity theft, suspected fraudulent merchant application, and/or any- and-all questionable merchant application data
- Data entry/Board the approved accounts into different platforms
Risk and Underwriting Support Representative - Trinity Payment Solutions, LP - Remotely
(2020-11 - 2021-01)
- Assist both Risk Manager and Senior Underwriter in special projects as requested
- Data entry: Enter new accounts into internal system
- Data entry/Board approved accounts into different platforms
Senior Credit Analyst - Electronic Commerce LLC - Orange, CA
(2017-06 - 2020-06)
- Help the new company to build the Underwriting Department by working closely with the executives and provide ideas
- Review, modify and update Underwriting policies and procedures
- Follow up and abide the sponsored bank and the credit cards' updating rules
- Assess the applicant's credit worthiness and background check
- Analyze the applicant's financial information such as income statements, tax forms, cash flow history and current debts and thoroughly conduct necessary searches prior to make final decisions on the application
- Contact with sponsored bank in regards concurrence, approvals, and special considerations on new merchants boarding
- Correspond with Agent Relations on special approval and/or considerations for merchant account approval and/or stipulations
- Identify and report any instances of identity theft, suspected fraudulent merchant application, and/or any- and-all questionable merchant application data
Underwriter - Atlantic-Pacific Processing Systems, Inc. - Fountain Valley, CA
(2015-09 - 2017-05)
- Audit and QC new accounts merchant data into APPSOS
- Maintain internal status report
- Review all stipulations with Senior Underwriter or Director prior to publishing
- Maintain acceptable underwriting and approval time frames
- Process, underwrite and approve all Auto Approval Accounts
- Contact with sponsored bank in regards concurrence, approvals, and special considerations on new merchants boarding
- Correspond with Agent Relations on special approval and/or considerations for merchant account approval and/or stipulations
- Identify and report any instances of identity theft, suspected fraudulent merchant application, and/or any- and-all questionable merchant application data
- Assist in special projects as requested
- Perform other miscellaneous company related duties as assigned
Coding/Deployment File Architect - Atlantic-Pacific Processing Systems, Inc. - Fountain Valley, CA
(2015-07 - 2015-09)
- Build and board new accounts in TSYS and other front-end systems
- Work together with IT Director to provide coding knowledge to help the company integrating coding into automatic system
- Complete change requests in TSYS
- Build terminal and stage-only files
- Assist Risk department with zeroing out fees on closed accounts
- Close merchant accounts
- Assist merchants-answering questions, trouble shooting
- Add new users in e-Connections, unlock users, reset passwords, maintain e-Connections spreadsheet
- Add merchants to custom hierarchy (chained merchants and agent offices)
- Create new association numbers for new agents in TSYS and in Coding Spreadsheet
- Maintain data entry requirements by following data program techniques and procedures
- Verify entered customer and account data by reviewing, correcting, deleting or reentering data
- Test customer and account system changes and upgrades by inputting new data; reviewing output
- Complete multiple monthly reports (PCI Non-compliance, Stubs, Intra-change, Discover and PEN Test Merchants)
- Rewrite/update boarding new merchants Policy and Procedures for the company
- Correspond with Agent Relations regarding missing data and information that is critical to the merchant application process
- Report to the VP of Operations and Risk department any instances of identity theft, suspected fraudulent merchant application, and any questionable merchant application data
Insurance Agent - World Financial Group
(2013-11 - 2016-02)
- Recruit
- Set up appointments with clients
