Position Title: Underwriting Associate
Department: Payment Operations
Reports To: Underwriting Manager
Job Type: Full-time, hourly
Location: United States

Overview: The Underwriting Associate conducts due diligence on new and existing clients to comply with Anti-Money Laundering and Know Your Customer requirements. They inspect documents for completeness, conduct independent research using third-party services and deliver a comprehensive package to the Underwriter for review. The Underwriting Associate communicates directly with clients during their onboarding and again for re-underwriting or change management events. One Inc business is growing in size and complexity, and so too are the requirements for underwriting to mitigate risk.

This is a wonderful opportunity for a candidate who appreciates digging into the details and collaborating with a tight team. As an entry-level position this is a good start for those interested in compliance, AML and production reporting.

The Underwriting Associate will work daily to directly support the Underwriters, and will work closely with the Payment Operations Onboarding and Fraud teams. This role contributes to business success by quickly getting a new client up and running to accept payments. For existing clients this role owns initiating re-underwriting and client outreach. The Underwriting team acts as a portfolio regulator for our business payment processing and merchant credit risk, and reports to the Senior Director of Risk Management.

Key Responsibilities:

• Manage queue of underwriting cases against department priorities and timeframes
• Examine documents for completion and consistency
• Source credit and consumer reports from third-party services
• Organize files and notes to maintain quality records
• Escalate inconsistencies or red flags
• Communicate clearly and effectively in writing
• Build strong, trusted relationships with customers, banking partners, and vendors
• Create reports in Excel for audit and department performance metrics
• Drive operational improvements and support emerging requirements
• Assist with projects to ensure clients are adhering to applicable rules, regulations and best practices
• Other duties assigned as necessary

Skills Needed:

• Ability to gather and assess information from various sources to support decision making
• Strong attention to detail
• Ability to prioritize and complete responsibilities in a timely manner
• Data entry skills with the ability to input and track customer data accurately

Skills: An ideal Underwriting Associate is analytical and communicative. A candidate will be most successful when they prioritize deadlines, operate independently against a checklist, and escalate red flag exceptions. Underwriting is accountable to internal and external partners, so the ability to deliver audit-level quality is essential.

Desired Traits: Action Oriented, Growth Mindset, Positive Outlook, Problem Solver, Self-starter, Demonstrates Ethical Behavior, Strong Drive, Team Player, Supportive & Adaptable to Change, Exudes a commitment to Personal & Professional Development

Physical Demands: The conditions herein are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job functions.

Environment: Standard indoor office setting; exposure to computer screens.

Physical: Requires repetitive motion. Substantial movements/motions of the wrists hands, and/or fingers. Sufficient mobility to work in an office setting; stand or sit for prolonged periods of time; operate office equipment including use of a computer keyboard, mouse, scanner and other tools as needed.

Vision: See in the normal vision range with or without correction; vision sufficient to read computer screens and printed documents.

Hearing: Ability to hear in the normal audio range with or without corrections.

Company Profile: One Inc provides insurers with the capability to give their customers what they expect: choice, control, convenience, and continuity. That’s the strength derived from the Power of One™ - a cohesive and seamless experience for both inbound and outbound digital insurance payments.

The One Inc Digital Payments Platform combines multi-channel digital communications with electronic payment processing and disbursement, creating a frictionless premiums and claims payments experience. As one of the fastest growing digital payments platforms in the insurance industry, One Inc manages billions of dollars per year in premiums and claims payments.

Headquartered in Folsom, CA—One Inc offers a competitive salary, and benefits including medical, dental, and vision insurance, 401(k) plan, a commitment to a solid work/life balance, and a policy of promoting from within whenever possible.

One Inc is an equal opportunity employer and complies with all EEOC legislation in each jurisdiction it operates in.