Team Lead, Support Functions (Merchant Underwriting / Onboarding, Risk & Accounting).

Company Description

Moder, established in December 2020, is a tech-forward outsourcing company dedicated to enhancing the financial health of businesses through expert talent, efficient workflows, and advanced technology. Specializing in supporting the US mortgage, insurance, and banking industries, Moder offers tailored outsourcing solutions ranging from project management to acting as an extension of client teams. With offices in the US, India, and the Philippines, Moder combines decades of financial services expertise to deliver superior service and outcomes. The company is registered under NMLS ID# 1186374, adhering to top industry standards and practices.

Role Description

We are looking for a Team Lead Support Functions to oversee a high?performing group responsible for Merchant Underwriting, Risk & Fraud Screening, Consumer?side Verification, Merchant Investigations, and Accounting Fee Operations.

This role requires a strong combination of operational excellence, underwriting judgment, people leadership, and process governance. You will ensure that analysts follow our structured SOPs, maintain high accuracy, meet SLAs, and deliver a consistent, risk?controlled onboarding experience.

If you love structure, quality, problem?solving, and team developmentthis role is for you.

Key Responsibilities

1. Operational Leadership

• Lead day?to?day operations across Merchant Underwriting (MU), Risk Investigations, Consumer Verification, and Accounting workflows.
• Oversee HubSpot dashboards and ensure analysts prioritize queues correctly (Requested Info Received ? >2?day pendings ? Other queues).
• Ensure consistent productivity benchmarks (45 MU applications/day per analyst).
• Maintain SLA discipline and proactively redistribute workload across team members.

2. Merchant Underwriting Oversight

• Review and guide analysts on:
• ? SoCure KYC rule interpretation (including frozen file nuances)
• ? LexisNexis SmartLinx/TLO reports (Judgments, Liens, UCC, SOS, Criminal/Civil)
• ? Industry restrictions (e.g., Solar exclusion rules, job?type validations)
• ? Geolocation?based risk (FL/TX/NY/CA/IL high?fraud areas)
• Ensure SOP?aligned decisions: approvals, declines, pendings, and escalations.
• Validate documentation: IDs, EIN, SOS filings, Insurance, Contractor Licenses, Web presence checks.

3. Risk Monitoring & Merchant Investigations

• Oversee
  
  consumer verification outcomes, including:
• Unaware of loan
• Work not started
• No right?party contact (NRPC)
• Identify trend?based risk patterns and initiate Merchant Investigations.
• Prepare structured investigation summaries and recommend actions (Retrain / Refund / Suspend Merchant / Off?board).

4. Accounting Operations Oversight

• Supervise analysts performing:
• ? Late Fee Waivers
• ? Return Fee Reversals
• ? Non?cash adjustments in Enterprise Portal (EP)
• Ensure correct fee?types, correct effective dates, and reallocation checks post engine refresh.
• Approve special cases requiring manager consent.

5. Quality Assurance & Governance

• Run weekly quality audits ensuring SOP compliance across all processes.
• Ensure analysts never skip mandatory steps in SOP workflows.
• Maintain accurate audit?ready documentation (notes, evidence packs, ticket closures).
• Provide regular feedback to refine underwriting matrices and reduce escalation volume.

6. People Leadership

• Manage, coach, and develop a team of analysts (812 team members).
• Conduct 1:1s, performance discussions, and capability assessments.
• Drive continuous learning using structured training materials (Day 1Day 4 modules).
• Foster a culture of integrity, accountability, and precision.

Must?Have Skills

• Strong experience in Underwriting, KYB/KYC, Risk Assessment, Fraud Prevention.

  Looking to get Placed? Try our Placement Guarantee Plan

  Get Hired
• Expertise in TLO/SmartLinx (LexisNexis), SoCure, risk tools, and document validation.
• Understanding of financial/fintech workflows, lending operations, or credit evaluation.
• Proficiency with HubSpot, ticketing tools, and internal risk portals.
• Data?driven decision?making and high attention to detail.

Good?to?Have Skills

• Experience in fintech, lending, banking, or home?improvement loan programs.
• Knowledge of accounting adjustments, late fee structures, and non?cash entries.
• Exposure to merchant success, compliance, or consumer?protection operations.
• Ability to perform root?cause analysis and create SOP/policy enhancements.

Experience & Qualifications

• 47 years of experience in underwriting, risk operations, credit ops, or financial operations.
• 2+ years in a team lead or supervisory role.
• Bachelors degree preferred (Finance, Risk, Accounting, Business Operations, or related field).
• Strong communication and stakeholder?management skills.

Key Performance Indicators (KPIs)

• SLA compliance & queue health
• Accuracy of approvals/declines
• Reduction in escalations & rework
• Investigation turnaround time
• Accounting transaction accuracy
• Team productivity & quality scores
• Training completion & improvement metrics