Commercial Bank of California · 16 hours ago
Senior Underwriter
United States
Full-time
Remote
Senior Level
$62K/yr - $67K/yr
5+ years expCommercial Bank of California is a Latino owned, community business bank that provides a payment solution to help businesses improve efficiency and grow profits. The Senior Underwriter is responsible for evaluating and underwriting risk for ACH payment services, ensuring safe and efficient onboarding and monitoring of clients.
BankingFinancial ServicesInsurance
Responsibilities
Manage inbound and outbound calls to support underwriting and merchant servicing needs
Maintain and prioritize the underwriting inbox using the ticketing system, ensuring timely follow‑up and resolution
Conduct comprehensive KYC/KYB reviews, including identity verification, financial statement analysis, tax return review, and assessment of merchant processing history to evaluate risk and creditworthiness
Interpret and analyze financial statements to determine merchant stability, exposure, and overall risk profile
Deliver clear, professional verbal and written communication to internal teams, merchants, and external partners
Ensure merchants operate in full compliance with NACHA rules, guidelines, and monitoring requirements
Perform periodic audits on approved merchant accounts to validate ongoing compliance and detect adverse changes in risk
Conduct enhanced due diligence (EDD) on high‑risk clients and escalate concerns when appropriate
Meet daily Support SLA requirements through timely review, decisioning, and documentation
Assist with merchant onboarding, application review, and other underwriting tasks as needed
Perform additional duties and special projects as assigned to support department goals
Qualification
Required
Minimum of 5 years of payment underwriting experience, preferably within ACH or credit card processing
High school diploma or equivalent
Preferred
Bachelor's degree or equivalent work experience
Experience in bankcard and/or ACH underwriting
Experience working in a banking environment
Benefits
Competitive employer contribution to medical, dental and vision coverage
401k plan with employer match
Flexible Spending Accounts (FSA) and Dependent Care Accounts
Employee Assistance Program (EAP)
Employer provided Calm subscription
Employer provided mental health benefits through Teladoc
Life, AD&D and disability insurance
Minimum 10 Days of Vacation, 6 Paid Federal Holidays, 5 paid personal days/per year
Online discount program
Tuition Reimbursement Program
Company
Commercial Bank of California
Commercial Bank of California is a full-service bank that offers traditional deposit, online and lending services. It is a sub-organization of CBC Bank.
201-500 employees
H1B Sponsorship
Commercial Bank of California has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2021 (1)
Funding
Current Stage
Growth StageLeadership Team
Ash Patel
President & CEO
Recent News
2025-08-07
2025-06-23
2025-04-26
Company data provided by crunchbase