Due Dilligence & Contracts Manager

Qualifications
Minimum five years of experience in either:
Due diligence, financial investigations, fraud prevention, business research, commercial
underwriting, or a comparable risk-focused role; or People management, team leadership, or operational management, preferably within financial services.

Candidates should demonstrate a strong combination of leadership ability and risk judgment.
Those with primarily management backgrounds should have experience overseeing analytical or
risk-based functions, while candidates with primarily underwriting, Due Diligence, or fraud
backgrounds should demonstrate the ability to lead and develop a team.

Strong preference for candidates with experience in the Merchant Cash Advance industry, business-to-business financing, or commercial lending.

• Demonstrated ability to evaluate business backgrounds, financial information, public records, and other risk indicators and determine their significance within established underwriting standards and risk tolerances.
• Strong understanding of business financial reports, bank activity, and other information used to evaluate business operations and risk.
• Experience with public-record, legal research, fraud-prevention, and investigative databases such as Thomson Reuters CLEAR/Westlaw, LexisNexis, or comparable platforms is preferred.
• Ability to accurately assess large, complex, and sometimes ambiguous sets of information.
• Strong organizational skills, attention to detail, and prioritization capabilities.
• Proficiency with Microsoft Office applications, including Word and Excel.
• Previous experience working with CRM or workflow-management software.
• Bachelors degree preferred but not required where equivalent relevant professional experience.

Responsibilities

• Oversee the Due Diligence and Contract Drafting teams, including day-to-day workflow management, training, coaching, performance management, staffing, and ongoing employee development.
• Conduct and oversee Due Diligence reviews of merchant applicants, including complex cases, escalations, and quality-control reviews as needed.
• Review public records, investigative databases, bank activity, financial information, and other available data to identify adverse information, potential fraud, and risks relevant to Underwriting.
• Serve as a subject matter expert in assessing business backgrounds, adverse information, fraud indicators, and other factors relevant to underwriting risk and risk tolerance.
• Partner closely with the Underwriting Team to evaluate complex or ambiguous findings and communicate the significance of identified risks within established underwriting standards.
• Oversee the Contract Drafting process to ensure contracts and related documents are prepared accurately and within established turnaround-time expectations.
• Establish, monitor, and continuously improve productivity, turnaround-time, quality, and accuracy expectations across both Due Diligence and Contract Drafting.
• Monitor team workload and capacity and make recommendations regarding staffing, assignments, training, or workflow adjustments as needed.
• Conduct and oversee quality-control reviews to identify recurring errors, training opportunities, and process gaps.
• Define and maintain Due Diligence review criteria, escalation standards, quality expectations, and procedures in coordination with Underwriting and Operations.
• Continuously evaluate and improve workflows to increase the efficiency, consistency, and effectiveness of the Due Diligence and Contract Drafting teams.
• Maintain clear and current policies, procedures, training materials, and departmental, documentation.
• Provide relevant Due Diligence findings and supporting information to Final Review and other teams as necessary.
• Evaluate existing and new data sources, investigative tools, and technology solutions that may improve the accuracy, efficiency, or effectiveness of Due Diligence and Contract Drafting processes.
• Onboard and train new team members as necessary.
• Monitor individual and team performance and provide clear feedback, coaching, and accountability against established expectations.
• Participate in team and cross-functional meetings.
• Lead and participate in special projects involving Due Diligence, Contract Drafting, fraud prevention, workflow improvements, system enhancements, and risk-verification tools.

Skills and Abilities

• Strong analytical judgment with the ability to identify relevant risk within large, complex, or ambiguous sets of information.
• Ability to distinguish between the existence of adverse information and its actual significance to an underwriting decision.
• Strong understanding of risk assessment and the ability to apply established risk tolerances consistently while exercising sound judgment when circumstances require further evaluation.
• Strong leadership and people-management skills, including the ability to train, coach, provide constructive feedback, establish expectations, and develop team members.
• Superior analytical, critical-thinking, and problem-solving skills.
• Ability to question existing processes, identify issues or inefficiencies, and develop practical solutions.
• Ability to balance quality, accuracy, thoroughness, risk identification, and turnaround time in a high-volume environment.
• Strong written and verbal communication skills, including the ability to clearly explain findings, risks, issues, and recommendations to other departments.
• Strong organizational and time-management skills with the ability to prioritize competing responsibilities and meet established deadlines.
• Ability to work independently with minimal daily direction while maintaining accountability for departmental performance.
• Strong attention to detail and commitment to accurate reporting and self-review.
• Process-oriented mindset with the ability to establish, document, evaluate, and improve internal workflows and procedures.
• Ability to analyze departmental performance and identify opportunities to improve efficiency, productivity, and quality.
• Strong interpersonal skills with the ability to work effectively with a variety of personalities and departments.
• Highly team-oriented with a willingness to support, motivate, and develop others.
• Adaptable and receptive to changes in processes, technology, underwriting standards, and organizational priorities.
• Consistently uphold high ethical and professional standards.
• This is a fully remote opportunity