Catherine Christian
Montgomery,IL
Summary
Experienced Merchant Risk and Underwriting Manager skilled in implementing risk management policies. Go-to Subject Matter Expert and escalation point for all merchant underwriting inquiries, collaborating closely with Sales, Product Support, and Customer Success teams. In-depth knowledge of current KYB/KYC and AML requirements essential for merchant processing operations.
Overview
14
14
years of professional experience
Work History
Merchant Underwriting Manager
Momnt Technologies, Inc
Atlanta, GA
07.2023 - Current
- Created & implemented policies, procedures and underwriting strategies. Weekly & monthly reporting to executive leadership
- Drive operational initiatives related to underwriting, credit risk management, and fraud.
- Facilitate the daily merchant underwriting operations process & production related issues on a fintech business platform
- Partnered with internal teams: Product, Data Scientist, Integration & Sales to improve credit risk models
- Coached & developed JR/SR Underwriting team - merchant reviews, audits. Adherence to company underwriting guidelines and approved/declined escalated underwriting decisions.
Senior Merchant Underwriter
Momnt Technologies, Inc
Atlanta, GA
10.2022 - 07.2023
- Independently reviewed, underwrite, evaluate, and approve/deny merchant applications in compliance with established underwriting guidelines and policies.
- Supervise Underwriters in daily underwriting of manual merchant applications.
Merchant Risk Analyst
Momnt Technologies, Inc
Atlanta, GA
10.2021 - 10.2022
- Independently evaluated merchant applications for approval/decline decisions.
- Utilized 3rd party data: Socure, TLOxp, Secretary of State filings
- Validate documents provided with new applications using online publications and resources.
ISV Account Manager
FISERV (Formerly First Data)
Naperville, IL
06.2019 - 10.2021
- Lead client facing projects with user documentation and technical requirements for merchant account implementations.
- Worked with Card Pointe, Merchant Solutions, Integration Teams to provide Partner support
- Facilitated partner-initiated point of contact before, during and after account integrations
Credit Risk Analyst
First Data/Card Connect (Formerly BluePay)
Naperville, IL
09.2018 - 06.2019
- Analyzes business models & risk exposures to render an underwriting decision on new US & Canadian merchant applications.
- Review credit, business financials, site inspections, processing statements, state licenses, OFAC & Mastercard checks.
- Exercised credit authority of up to $100K, exceptions sent to Management for approval via concurrences.
Underwriter
BluePay Processing, LLC
Naperville, IL
04.2016 - 09.2018
- Conducted complete reviews of new merchant applications to assess business model & risk exposure.
- Reviewed business financials, bank statements, and other legal documents provided with merchants applications.
- Researched online publications and resources provided to verify new merchant’s retail & e-commerce businesses.
- Communicated with internal departments for underwriting decisions.
- Monthly Volume reporting for company analysis
Data Analyst
BluePay Processing, LLC
Naperville, IL
01.2013 - 04.2016
- Responded to incoming support email inquiries accurately and in a timely manner
- Entered new merchant applications, rate accuracy, checking credit via Experian & IP address verification.
- Assist with various special projects as assigned.
Merchant Services Representative
BluePay Processing, LLC
Naperville, IL
02.2011 - 01.2013
- Responded to incoming support calls & email inquiries
- Lead project to convert referral inquiries from sales teams to accounts
- Provide full technical and non-technical support to customers and agents on retail and e-commerce accounts.
Education
BA, Bachelor of Science - undefined
Western Illinois University
Macomb, ILSkills
- Clientline, Confluence, Demyst, HubSpot, ISONET, LexisNexis, Microsoft Access, Microsoft ME Edition, Microsoft Teams, Monday, PowerPoint, SalesForce, Socure, Silver Plume, Tableau, TLOxp, Trustwave, Trustkeeper, Verdata
Timeline
Merchant Underwriting Manager
Momnt Technologies, Inc
07.2023 - Current
Senior Merchant Underwriter
Momnt Technologies, Inc
10.2022 - 07.2023
Merchant Risk Analyst
Momnt Technologies, Inc
10.2021 - 10.2022
ISV Account Manager
FISERV (Formerly First Data)
06.2019 - 10.2021
Credit Risk Analyst
First Data/Card Connect (Formerly BluePay)
09.2018 - 06.2019
Underwriter
BluePay Processing, LLC
04.2016 - 09.2018
Data Analyst
BluePay Processing, LLC
01.2013 - 04.2016
Merchant Services Representative
BluePay Processing, LLC
02.2011 - 01.2013
BA, Bachelor of Science - undefined
Western Illinois University