Owen Holly
Minneapolis,MN
Summary
Motivated and results-driven professional with 7 years of experience working in risk management at Fin-tech startups. Seeking to leverage experience in credit, underwriting, data analysis, and loss / fraud mitigation to contribute to the overall profitability of the organization. Committed to always be better, be selfless, and have grit.
Overview
7
7
years of professional experience
1
1
Certification
Work History
Head of Underwriting
Onyx Processing
01.2025 - 06.2025
- Credit & Risk Strategy: Own and execute the overarching merchant credit underwriting strategy, structuring custom credit limits, and establishing risk tolerances for high-risk portfolios.
- Cross-Functional Leadership: Partner directly with executive leadership, compliance, and sales teams to standardize strict regulatory reporting and manage the onboarding pipeline for specialty industries.
- Portfolio Health: Monitor high-risk merchant accounts, analyzing complex income structures, transaction patterns, and chargeback metrics to insulate the processor from operational and financial losses.
- A FinTech Payment Processing Company
Senior Business Underwriter
Branch
01.2024 - 01.2025
- Risk Assessment and Analysis:
- Evaluated and monitored the risks and credit worthiness of new and existing businesses by analyzing financial statements, entity structures, credit reports (Experian, LexisNexis, and TransUnion), UCC databases, news, repayment history, and court cases (via Pacer)
- Identified fraud patterns and conduct investigations to deter fraudulent / suspicious activities by businesses
- Assigned businesses daily disbursement limits based on risk tolerances by the org
- Lead efforts in loss recover efforts through monitoring repayment data and previous postmortem cases
- Presented areas of operational improvements found through attention to detail by reviewing process gaps and inefficiencies to leadership and see these process improvement projects all the way through to completion
- Reporting and modeling:
- Managed reporting portfolio data to leadership
- Manage Portfolio Data within Google sheets
- Using data to perform basic risk modeling
- Assisted in building out risk score model based on historical data on various attributes of businesses
- Built out custom forms for sales team to utilize for choosing which customer information form to use for new and existing customers
- Implementing Automation and Integrations:
- Worked with tech teams from various vendors including Ocrolus, Persona, Feather.io, Oscilar, Lexis Nexis, GBG, Worth AI, and Dun and Bradstreet on tooling to best serve the companies needs
- Worked with the above vendors to utilize AI to automate processes and streamline workflows
- Building out policy and procedure:
- Created policy processes that align with both legal and sales requirements to define KYC and KYB processes for the organization
- Audited previous polices and current polices for improvements and efficiencies
- A FinTech Payments Company
Senior Business Underwriter
Billd
01.2021 - 01.2024
- Risk Assessment and Analysis
- Evaluated the credit worthiness of new customers, including commercial / residential contractors by analyzing financial statements, entity structures, credit reports (via Experian, LexisNexis, and TransUnion), UCC databases, and legal searches (via Pacer)
- Credit assessment:
- Designed and structured policies, and credit limits that meet the needs of both the borrower and the company, considering factors such debt service coverage ratios, annual revenue, tax returns, AR/AP reports, WIP reports, and other income statements
- Decision Making:
- Made final underwriting decisions and communicated them with the org
- Worked closely with internal teams, including the CEO, CRO, analytics team, legal, sales, and compliance, to ensure all aspects of the businesses we’ve reviewed are according to company and regulatory standards
- Portfolio Management:
- Monitored and managed a portfolio of commercial / residential contractors, ensuring ongoing financial health of those businesses
- Tracked daily updates from Moody’s alerts on existing customers to ensure nothing concerning comes up i.e. bankruptcy filings, new liens / judgements, or negative news
- Created and maintained Salesforce dashboards to automate flagged accounts due for underwriting review, which are required to be reviewed quarterly
- Created quality control alerts within Salesforce reports to catch potential underwriting errors
- Leadership and Mentoring:
- Provided mentorship and training to internal sales teams, and junior underwriters. Helping to develop their skills and expertise on decisions and policies
- Lead by example in maintaining high standards of underwriting quality, communicating data, and decisions with professionalism
- A Construction Finance Startup
Senior Accounts Receivable Representative
Dedicated Financial GBC
01.2018 - 01.2021
- Payment Tracking:
- Tracked and reconciled incoming payments, focusing on overdue accounts and working with borrowers on manageable repayment plans
- Collections:
- Implemented strategies to improve collections teams recoveries of overdue payments and resolving disputes
- Reporting:
- Prepared financial reports on receivables and payment trends and presented that data to leadership
- Legal Collaboration:
- Worked with legal teams to ensure collections teams complied with state and federal regulations
- Audited collections teams work and presented that data to the legal team monthly
- A 3rd Party Commercial Loan Servicing FinTech Startup
Education
Bachelor of Science - Accounting
Saint Mary's University of Minnesota
Minneapolis, MN12-2026
Associate of Applied Science - Project Management
Dunwoody College of Technology
Minneapolis, MN01-2021
Skills
- Risk Assessment, Modeling, and Data Analysis
- Regulatory Compliance
- Project Management
- Advanced product knowledge and experience in: Excel / sheets, Sales Force, ZenDesk, Looker, HubSpot, Tableau, Slack, SQL Chat GPT, R, Jira, Confluence, Salesforce, Lucid Chart, Iris CRM, Adobe, Gemini, and Claude
Certification
- Certified Risk and Compliance Management Professional - International Association of Risk and Compliance Professionals - 2025
- Certified Google Data Analytics Professional - 2025
Timeline
Head of Underwriting
Onyx Processing
01.2025 - 06.2025
Senior Business Underwriter
Branch
01.2024 - 01.2025
Senior Business Underwriter
Billd
01.2021 - 01.2024
Senior Accounts Receivable Representative
Dedicated Financial GBC
01.2018 - 01.2021
Bachelor of Science - Accounting
Saint Mary's University of Minnesota
Associate of Applied Science - Project Management
Dunwoody College of Technology