Title: Head of Underwriting (MALPB) Location Atlanta Employment Type Full time Department All cost centres Job Description: Company Description We’re Checkout.com – you might not know our name, but companies like eBay, ASOS, Klarna, Uber Eats, and Sony do. That moment when you check out online? We make it happen. Checkout.com is where the world checks out. Our global network powers billions of transactions every year, making money move without making a fuss. We spent years perfecting a service most people will never notice. Because when digital payments just work, businesses grow, customers stay, and no one stops to think about why. With 19 offices spanning six continents, we feel at home everywhere – but London is our HQ. Wherever our people work their magic, they’re fast-moving, performance-obsessed, and driven by being better every day. Ideal. Because a role here isn’t just another job; it’s a career-defining opportunity to build the future of fintech. We’re looking for a Senior Manager of Underwriting, with a background in payments and/or financial analysis, to serve as a cornerstone of our Atlanta risk operations. This is a high-impact, individual contributor role designed for a seasoned expert who thrives on technical complexity and strategic autonomy. In this dual-faceted position, you will own the underwriting lifecycle of strategic enterprise merchants, navigating complex business models, credit exposure, and scheme rules. Simultaneously, you will serve as the Head of Underwriting for Checkout’s Merchant Acquiring Limited Purpose Bank (MALPB). In this capacity, you will act as the primary bridge between our global risk standards and the MALPB’s specific regulatory landscape, providing the specialized oversight necessary to scale this entity. This role offers unique visibility across our core business, requiring close collaboration with Senior Management and key internal partners, including Business Development, Financial Partnerships, Sales, Risk, Compliance, and Legal. While initially focused on high-level execution and the onboarding of enterprise clients, this is a designated leadership track with the clear objective of building and mentoring our Atlanta underwriting team as we expand. How you’ll make an impact - MALPB Strategic Leadership: Develop and implement the underwriting and onboarding strategy for Checkout’s Merchant Acquiring Limited Purpose Bank, ensuring alignment with local regulatory requirements and global standards. - Enterprise Decision Authority: Own the underwriting lifecycle for complex enterprise applications, focusing on deep-dive analysis of Business Models, Credit Exposure, and Financial Statements. - Regulatory & External Representation: Represent Underwriting in high-stakes external calls and meetings with third parties, including the regulator, auditors, and card schemes. - High-Risk Domain Expertise: Mitigate micro and macro risks for high-value merchants in complex, high-risk sectors such as travel, ticket and events, gambling, and securities. - Operational Oversight: Exercise ultimate oversight over decisions made by Risk Operations and identify systemic recommendations to improve the merchant onboarding experience. - Commercial Partnership: Foster a culture of collaboration by partnering with the Commercial team and representing Underwriting in customer calls to drive creative solutions. - Talent Incubation: High-grade the technical skills of junior team members through training initiatives on business model and credit analysis in line with internal policy. What we’re looking for - Sector Authority: 8+ years of deep-domain experience in merchant underwriting, with a proven track record of expert business model assessment and identification of credit risk exposure. - Financial Mastery: Expert-level proficiency in analyzing profit and loss, balance sheets, and cash flow statements for enterprise customers. - Regulatory Sophistication: Strong command of Customer Due Diligence (CDD), KYC, and KYB frameworks within a regulated banking or fintech environment. - Strategic Judgment: A demonstrated ability to balance risk and reward, making sound, autonomous decisions that protect the company while enabling commercial growth. - Executive Communication: Exceptional written and interpersonal skills with the "gravitas" to lead customer calls and influence internal senior management. - Leadership Readiness: A passion for coaching and a desire to transition from an elite individual contributor into a people leader as the Atlanta hub expands. - Culture Carrier: Leading by example, you will demonstrate our core Values and live out our Operating Principles in everything you do. - Customer First and One-Team Mentality: Adopt a ‘customer first’ mindset to deliver creative solutions for our merchants and contribute to cross-team collaboration and building a ‘One Team’ culture. Additional Information Bring all of you to work We create the conditions for high performers to thrive, through real ownership, fewer blockers, and work that makes a difference from day one. Here, you’ll move fast, take on meaningful challenges, and be recognized for the impact you deliver. It’s a place where ambition gets met with opportunity, and where your growth is in your hands. We work as one team, and we back each other to succeed. So whatever your background or identity, if you’re ready to grow and make a difference, you’ll be right at home here. It’s important we set you up for success and make our process as accessible as possible. So let us know in your application, or tell your recruiter directly, if you need anything to make your experience or working environment more comfortable. Life at Checkout.com We understand that work is just one part of your life. Our hybrid working model offers flexibility, with three days per week in the office to support collaboration and connection. Curious about what it’s like to be part of our team? Visit our Careers Page to learn more about our culture, open roles, and what drives us. For a closer look at daily life at Checkout.com, follow us on LinkedIn and Instagram

Role Description First State Bank is seeking a Quality Control Underwriter. This position will be remote with a home base location out of our West Clay office in St. Charles, MO. If you are detail oriented with experience in analysis, compliance, or processing related to quality control in the mortgage industry, this may be a good fit for you! 40 hours per week. Full Time benefits will apply, including: - Medical, dental and vision insurance - Paid time off - 401k - ESOP - And more! Duties and Responsibilities: - Conducts Pre-closing audits of mortgage loans, identifying deficiencies related to agency, investor, or internal requirements, to prevent closing with significant defects such as misrepresentation, inaccurate data or inadequate documentation. - Conducts Post closing audits mortgage loans, identifying deficiencies related to agency, investor, regulatory, or internal requirements, to identify defects in the loan manufacturing process from which actionable remediation plans are implemented. - Completes independent calculation and analysis of key aspects of mortgage file, including but not limited to, compliance requirements, loan-to-value and debt-to-income ratios, employment/income, assets, credit, liabilities, and collateral. - Completes independent unbiased validation and re-verification of data/documentation relied upon during the loan decision, including when necessary, ordering desk and field review appraisals. - Evaluates decision made by origination underwriter and completion of other required items attributable to various business units, including but not limited to processing and closing. - Accurately and thoroughly communicates audit findings for each file reviewed, including completion of checklists, within QC Software or other method determined by department manager. - Complete all required compliance training and complies with the Bank Secrecy Act and Anti-Money Laundering Act as well as all regulations which apply within the scope of the position. Qualifications - High school diploma or general education degree (GED) required. - Associate's degree (A.A.) or higher preferred. - Minimum 2 years’ recent experience in residential mortgage lending quality control and/or origination underwriting, or 5 or more years’ residential mortgage processing experience with current or past credit decisioning authority, is required. - Experience processing, underwriting, or performing quality control on conventional and government loan types is required. - Experience with Encompass Loan Origination System and ACES QC Software is preferred. - Understanding of regulatory compliance applicable to mortgage lending including TILA, RESPA, ECOA, FCRA and other applicable laws. - Strong knowledge of Fannie Mae/Freddie Mac guidelines is required along with a firm comprehension of Desktop Underwriter (“DU”), and Loan Product Advisor (“LPA”) Findings Summaries/Feedback Certificates. Requirements - As a condition of employment, all new hires will be required to complete a background check and drug testing. Benefits - First State Bank is an Equal Opportunity Employer, including protected veterans and individuals with disabilities.

• Overseeing and managing daily business operations to ensure efficiency, quality, accuracy, customer service, and cost effectiveness • Assisting with the managing of underwriting operations, policy execution • Developing, implementing, and improving operational policies and procedures and workflows for the Public Auto Department • Managing the Policy Services Department responsible for all policy related functions • Ensure internal and external compliance with company policies, carrier underwriting authority, guidelines and regulatory requirements • Maintain operational quality controls

• Conduct thorough analysis of merchant applications, including financial statements, processing history, and KYC documentation. • Verify business legitimacy through entity formation documents, EIN verification, and ownership structure validation. • Evaluate creditworthiness, processing behavior, and potential exposure risk for both credit card and ACH transactions. • Flag and escalate high-risk or unusual business models to the Director of CRU for deeper review. • Maintain comprehensive documentation of underwriting decisions, ensuring compliance with internal policies and regulatory standards. • Interact with merchants to gather missing information, clarify discrepancies, or provide feedback on required improvements. • Respond promptly and professionally to application-related inquiries and proactively guide applicants through the process. • Educate merchants on underwriting expectations and provide tailored advice on best practices for application success. • Partner with Compliance and Risk Analysts to support deeper risk investigations or chargeback-related assessments. • Collaborate with CRU leadership to refine risk models, underwriting criteria, and approval matrices. • Mentor and support junior team members by reviewing applications, offering feedback, and leading knowledge-sharing sessions.