Underwriting Analyst | Merchant Risk & Acquiring
Underwriting Analyst | Merchant Risk & Acquiring
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Job Description
What we do
Aion Bank is a fully regulated European bank and credit institution combining Vodenos cutting-edge private blockchain-based platform with its ECB banking license strong balance sheet and deep regulatory expertise. Our mission is to provide a comprehensive suite of embedded banking solutions enabling businesses to seamlessly integrate financial services into their offerings.
As part of the UniCredit Group Aion Bank and Vodeno will accelerate their digital banking offer in strategic markets and will act as a sandbox for innovation for the wider UniCredit Group. Aion Bank and Vodenos existing Banking-as-a-Service (BaaS) offering across key European markets includingGermanyandPoland will see the bank embed its services - ranging from account access and deposits to lending payments and loyalty programs - directly into non-banking digital platforms facilitating seamless customer experiences.
At Aion Bank ourbiggest strength is our peoplea team of highly intelligent creative and ambitious professionals who thrive in a fast-paced innovative environment. We believe in delivering results while fostering a culture of passion and collaboration.
We are currently looking for a Underwriting Analystready to join our adventure share our ambition and help shape the future of digital banking.What you will be doing
- Conduct detailed due diligence and onboarding analysis of merchants applying for acquiring services.
- Evaluate merchant business models websites terms and conditions and product/service legitimacy.
- Identify potential reputational regulatory financial and fraud-related risks associated with the merchants operations.
- Assess industry risk business location chargeback potential and compliance with card scheme rules (e.g. Visa Mastercard).
- Review and verify documentation including business registration ownership structure financials and licensing.
- Collaborate with Risk Compliance and Legal teams to ensure a holistic view of merchant risk exposure.
- Document underwriting decisions clearly and ensure adherence to internal policies and SLAs.
- Monitor approved merchants for ongoing compliance and risk triggers during the early months of activity.
- Support enhancements to the underwriting framework policies and risk scoring models.
- Stay informed on emerging trends in e-commerce high-risk verticals and acquiring-related regulatory developments.
Skills you should have
- 5 years of experience in underwriting merchant onboarding or risk analysis in a payments fintech or acquiring environment.
- Solid understanding of card acquiring merchant risk management and payment ecosystem basics.
- Ability to analyze business models and assess the legitimacy and transparency of online merchants.
- Familiarity with e-commerce platforms website content analysis and high-risk merchant categories.
- Detail-oriented mindset with strong documentation and analytical skills.
- Proficiency in English both written and spoken; additional languages are a plus.
- Readiness to work in a fast-paced regulated environment with cross-functional collaboration.
- Bachelors degree in Finance Business Risk Management or a related field; compliance or risk certifications are a plus (e.g. ETA CPP ICA).
What we offer
You will be provided anIndividual Development Budget dedicated to enhancing your professional skills.
If your role permits we also offerflexible work location.
You and your closest family will be covered with VIP-level private medical care which includes dental treatment and ahospitalisation package.
We care for our colleagues well being therefore we coverpsychological consultations if you ever feel you need such support.
Aion bank account without fee.
We co-sponsor your Multisport card and cover50% of its cost.
You will work on computer equipment that delivers the best user experience Apple MacBook.
Our office in Warsaw offers healthy snacks throughout the day.
Our process
Step 1:Talk with one of our Recruiters about your to date experiences and ambitions
Step 2:Meet with your future Team Manager to deep dive on the role specifics and our work environment
Our note to you
Diverse teams really are the best teams. Research shows that some candidates may hesitate to apply for a job unless they meet every requirement. If you are excited about working with us we encourage you to apply - even if youre not 100% sure. We are interested in getting to know you and learning about what you bring to the table.
Please note that we may close a job posting early if we receive a large number of exceptional applications.
Good luck!
About us
Required Experience:
IC
Employment Type
Full-Time
