Company Overview:
Coinflow is a well-funded, high-growth startup headquartered in Chicago, dedicated to revolutionizing payments. We offer our merchants global payment options with instant settlement and fraud guarantees. This potent mix enables the next generation of online merchants and marketplaces. Over the past two and a half years, we’ve rapidly scaled our operations and solidified our position as a leader in the digital payments ecosystem, driving innovation and delivering seamless payment solutions for the future of digital commerce. Join our fast-expanding team to help shape the next generation of payments in a dynamic, collaborative, and fast-paced environment where your contributions have a direct impact on our continued growth trajectory.
Job Summary:
As an early member of Coinflow’s Risk Strategy & Operations, you will drive operational initiatives related to merchant underwriting, transaction risk management, and payment fraud prevention. This role requires an understanding of payment processing workflows, fluency with data, and the ability to analyze risk vectors such as merchant credit risk, transaction fraud, and compliance risks. We take our responsibility to enable secure, seamless payments for our merchants and their customers seriously, and our approach is anchored in data-driven and systematic decisions to deliver exceptional payment experiences.
Responsibilities:
- Conduct comprehensive merchant underwriting assessments, evaluating credit risk, business viability, and compliance requirements, then communicate these risk profiles and underwriting decisions to bank partners to ensure seamless onboarding and relationship management
- Collaborate cross-functionally with Sales, Product, Legal, and Operations teams to develop detailed merchant risk profiles, refine underwriting criteria, and understand how new payment products can be effectively utilized by different merchant segments
- Serve as the primary point of contact for merchants regarding underwriting requirements, compliance standards, and product eligibility, helping them understand and navigate our payment solutions
- Analyze merchant transaction patterns and business models to identify potential risks and opportunities, while maintaining documentation of underwriting decisions and reporting key metrics to drive continuous process improvement
Qualifications:
- Minimum 5 years of experience in Payment Risk Management, Merchant Underwriting, or Transaction Fraud Prevention
- Experience within payment processing, merchant acquiring, fintech, e-commerce, or related financial services industries
- Strong understanding of payment networks, chargeback management, and merchant credit risk assessment
- Excellent written and verbal communication skills with ability to explain complex payment risk concepts to merchants
- Strong background in merchant support via email and phone for payment-related inquiries
- Investigative and critical thinking skills with ability to analyze transaction patterns and merchant behavior
- BA/BS from an accredited university
Nice to haves:
- Experience in high-growth fintech or payment startups
- Experience building or supporting complex payment products and merchant solutions
- Understanding of emerging business models including crypto, digital marketplaces, AI-powered services, and other innovative commerce platforms
- Strong background in merchant support via phone for payment processing and risk-related inquiries
Why Join Us?
- Be part of an industry-leading team at the forefront of payments innovation.
- Enjoy a collaborative and supportive work culture that values growth and creativity.
- Work on exciting projects with cutting-edge technologies that challenge the status quo.
- Competitive salary and benefits, with opportunities for career advancement in a rapidly growing company.
