Job description
WHO WE ARE
At Trustly, we are on a mission to deliver a better way to pay and get paid. Consumers deserve a payment option that prioritizes financial responsibility, and merchants should have the independence to accept payments without unnecessary costs. This mission drives everything we do.
We are revolutionizing the payments industry by making Pay by Bank the new standard at checkout, providing a smarter payment option to credit and debit cards. For merchants and consumers, this means the freedom to make and receive payments with greater security and ease.
Fueled by this purpose, we have grown into a global network connecting 9,000 merchants to 650 million consumers through 12,000 banks across 33 countries, processing over $100 billion annually. As the leader in Pay by Bank, we aim to redefine the payments experience by delivering exceptional products and unmatched value.
With regional offices in Vitória, Brazil and Silicon Valley, USA, and our global headquarters in Stockholm, Sweden, we are a diverse team that spans over 30 nationalities. Embracing a culture of innovation and collaboration, our “work from anywhere” policy allows employees in Brazil, the U.S., and Canada to work remotely within their country of residence, enabling flexibility while staying connected to our global team.
Now is the perfect time to join us and help accomplish our mission. If you are inspired by purpose, thrive in a fast-paced and entrepreneurial environment, and are ready to shape the future of payments, we would love to hear from you!
ABOUT THE ROLE
Trustly is looking for a Senior Underwriter to join our Risk team. You are a great fit if you have expertise in commercial underwriting and are a self starter eager to have an impact in our fast growing company. You’ll be joining the industry leader in open banking payments.
WHAT YOU’LL DO
- Evaluate merchant applications and supporting documentation to assess Merchants’ credit and reputational risk
- Review financial statements and/or business tax returns and perform analysis to recommend merchants’ risk ratings
- Analyze complex corporate structures, beneficial ownership, and licensing requirements, coordinating with the Compliance and Legal teams as needed
- Review industry information and comparisons, key risks, and mitigants to form a general risk overview of merchants
- 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
- Assist the Commercial team with customer calls for larger merchants requiring explanation of specific credit risks, internal credit policies, and/or underwriting decisions
- Other duties as assigned
WHO YOU ARE
- 5+ years underwriting experience in payment, commercial lending or Fintech.
- Bachelor’s Degree in Accounting, Finance, Economics or related discipline required
- Ability to read, analyze and interpret business financial statements
- Familiarity with Know your Customer (KYC), Anti-Money Laundering (AML) and payment processing requirements in North America Strong analytical and intuitive investigative skills
- Strong independent decision-making capabilities
- Must be detail-oriented, and able to manage and prioritize multiple tasks
- Ability to solve practical problems and interpret a variety of data furnished in oral, written, or schedule form
- Prior payment and Fintech experience a plus
#LI-Remote
$120,000 - $140,000 a year
SALARY RANGE: $120,000 - $140,000 USD/yr
Applications for this role are accepted on an ongoing basis.
SALARY RANGES IN US-BASED ROLE POSTING
Our salary ranges are determined by role, level, and location. The range displayed on each job posting reflects the minimum and maximum target for new hire salaries for the position across all US locations. Within the range, individual pay is determined by work location and additional factors, including job-related skills, experience, and relevant education or training. Recruiters can share more information with applicants about the specific salary range for preferred locations during the hiring process. Please note that the compensation details listed in US role postings reflect the base salary only, and do not include bonus, equity, and other perks and benefits.
WHAT WE OFFER
At Trustly, you will have the chance to solve meaningful challenges alongside some of the brightest minds in FinTech. Together, we are shaping the future of payments in an environment that celebrates curiosity, collaboration, and innovation. You will be challenged and empowered to grow, making a real impact every step of the way.
Our team is as diverse as the global footprint we serve, with colleagues across Silicon Valley, the U.S., Canada, Brazil, Europe, and beyond. We embrace a remote-first culture that empowers you to balance your career ambitions with personal fulfillment. At Trustly, we foster a workplace where everyone feels they belong—a place where teamwork thrives, ideas flourish, and we never forget to have fun along the way.
The total compensation packages include competitive salaries, bonus plans, and stock options. We offer innovative perks and benefits packages that include:
- Flexible paid time off & generous PTO accrual plans
- Comprehensive medical, dental, vision, and other insurances
- FSA & HSA plans for medical and dependent care
- Home office set-up allowance
- Internet stipend
- Retirement plan match for 401k and RRSP
- Gender-neutral paid parental leave, and more!
(The benefits and total compensation packages outlined above are for full-time employees; some exclusions apply for temporary positions.)
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.
