Prioritize and analyze internal and external escalations to prevent future escalations.
Provide feedback regarding necessary changes and updates including policies, upgrades, and potential workflow changes.
Function as Subject Matter Expert, partnering with key stakeholders for educating, training, coaching, and enhancing risk/detections.
Report trends, make recommendations, and escalate issues/concerns appropriately to enhance the program.
Contribute to business improvements e.g., MBR, DSA/ Internal service level, routing analysis, contact reduction etc.
Develop robust monthly insights for team members and the leadership team.
Run business and self-identified projects.
Support complex consumer and merchant issues or escalations engaging appropriate stakeholders focused on resolution.
In the underwriting capacity, the Credit & Fraud Risk Specialist is responsible for developing a comprehensive understanding of the customer's financial profile and business health to assess creditworthiness and loan eligibility.
Team members are passionate about helping customers achieve their goals by making sound, data-driven credit decisions that balance growth, risk, and profitability.
In the fraud operations capacity, the Credit & Fraud Risk Specialist is responsible for detecting, investigating, and preventing financial crimes across small business loan applications.




Specialists continuously adapt their strategies as fraud patterns and customer behaviors evolve.
This dual-skilled role requires the ability to seamlessly shift between credit risk assessment and fraud risk analysis, applying strong judgment, analytical rigor, and investigative skills.
Interpret and analyze financial statements and business tax returns Review business banking statements Verify the accuracy of information submitted for underwriting Interview small business owners, landlords, trade references, and review site inspections Analyze credit bureau information (consumer and business) Identify and research any inconsistencies with the application to identify potential fraud Operate within a defined regulatory environment 1+ years relevant experience and a Bachelor's degree OR Any equivalent combination of education and experience.
Commercial credit underwriting experience preferred Bachelor's degree in a business-related major Superior decision making and analytical skills Excellent oral and written communication skills Ability to work within a team setting with all levels of the organization Ability to multi-task with attention to detail Superior customer service skills Willingness and ability to discuss potentially difficult financial issues with business owners Willingness to work versátil hours and additional hours as required Proficient PC user, including experience with Microsoft Office suite

📌 Analyst, Risk Operations (Xico)
🏢 Paypal
📍 Xico