Maryna

CV - Senior Underwriter,
Credit UW & Account
Manager
Full Name: Maryna Vliubchak Vorotnikova Current Title: Senior Underwriter, Credit UW &
Account Manager

Location: Email: Phone:
Benidorm, Spain (remote job) [открыть контакты](см. выше в блоке «контактная информация») [открыть контакты](см. выше в блоке «контактная информация»)

Summary
4 years experience in CC and ACH payment processing companies as a Senior Underwriter and
Credit UW Manager. Proficient in verification and validation processes, KYC & KYB, Visa / MC
monitoring programs, PCI compliance, CB risk assessment & AML; technical onboarding of the MIDs
for gateway/POS integrations.

Core skills
Experience in merchant underwriting and risk assessment,
Underwriting enhance
including the review of complex merchant applications across
due diligence
variety of industries from High-Risk to Low-Risk verticals.

Deep understanding of MCC classification, processing structures
Credit Risk Assessment and financial risk indicators including chargeback exposure,
transaction patterns, AML and potential red flags.

Knowledge of card brand rules and regulatory requirements,
PCI Compliance including Visa, Mastercard; decision-making in accordance with
direct BIN sponsor banks and external stakeholders guidelines.

Experience in validation processes, background search, identifying
potential operational risk factors, MATCH, OFAC, G-2 Monitoring,
KYC & KYB veri cation
debts and loans check, deep understanding of the merchants busi-
ness specifics, both Card-Present and CNP.

Employment history
fi
Dates Role & company Key achievements

Improvement and acceleration of deal
review process.
Senior Underwriter & Decision-making for account approvals
2022 – Present,
Credit UW manager— considering compliance and alignment
full-time
Pepper Pay LLC with the organization risk tolerance.
2 Promotions from Junior UW to UW
Manager to Senior UW

Trusted point of contact for clients ;
strengthen partner relationships while
UW manager & Client improving overall client satisfaction and
2022 – 2024,
Relation — High Risk retention.
full-time
Commerce LLC Ability to translate complex payment
processing needs into clear, actionable
solutions.

High adaptability in multi-task
Account & Onboarding environment, what includes building
2022-2024,
manager - BillMyBank relationships with new clients, providing
part-time
project support for active users and full
onboarding process.

New business organization and establish-
ment in E-commerce and Retail Apparel
vertical.
2019-2022 CEO - Redwine Sport Full staff coordination, trainings and
implementation of sales system, with
achieved result of fast business growth to
high tickets and B2B international model.

Education
Year 2016

Degree Bachelor of Social Psychology

Institution Odessa I.I. Mechnikov University

EF SET English level certificate - C2
Certi cations PCI Compliance & AML certificates, yearly basis.
FCRA Certificate
 English - Advanced
Languages Russian - Fluent
Ukrainian - C2
Spanish - A2

References
Name Organization Phone Email

Anna Aniskina Pepper Pay LLC [открыть контакты](см. выше в блоке «контактная информация») [открыть контакты](см. выше в блоке «контактная информация»)

Eric Hannelius Pepper Pay LLC [открыть контакты](см. выше в блоке «контактная информация») [открыть контакты](см. выше в блоке «контактная информация»)

*Reference Letter attached below.
Docusign Envelope ID: 6E64F9C8-E5CD-8401-83C7-2DF8464C99AB

To Whom It May Concern,

I am pleased to recommend Maryna Vliubchak-Vorotnikova as a Senior Underwriter and Ac-
count Manager. I have had the opportunity to work with her in the payment processing and mer-
chant acquiring industry and can confidently attest to her strong expertise in underwriting, risk
management, and regulatory compliance.

Maryna possesses extensive experience in merchant underwriting and risk assessment, including
the review of complex merchant applications across a variety of industries from high-risk to low-
risk verticals. She demonstrates a deep understanding of MCC classification, merchant business
models, processing structures, and financial risk indicators, ensuring that underwriting decisions
are both compliant and aligned with the organization’s risk tolerance.

In her role, Maryna consistently applies a disciplined approach to evaluating merchant financials,
chargeback exposure, transaction patterns, and operational risk factors. She is highly skilled in
identifying potential red flags, conducting enhanced due diligence where necessary, and imple-
menting appropriate risk mitigation controls such as reserves, volume caps, rolling reserves,
delayed funding, and monitoring programs.

Maryna also has a strong working knowledge of card network rules and regulatory requirements,
including compliance with Visa, Mastercard, and sponsor bank guidelines. She ensures that un-
derwriting decisions are properly documented and consistent with internal policies, while main-
taining clear communication with stakeholders including sales teams, compliance departments,
risk teams, and banking partners.

Beyond technical expertise, Maryna has demonstrated excellent leadership and team manage-
ment skills. As a manager, she provides clear direction to underwriting staff, promotes consistent
underwriting standards, and supports professional development within the team. Her ability to
balance risk mitigation with responsible business growth is particularly valuable in dynamic and
high-risk payment environments.

Additionally, Maryna maintains a strong focus on chargeback monitoring, portfolio performance,
merchant behavior analysis, and ongoing risk oversight, helping ensure long-term portfolio sta-
bility and regulatory compliance.

I am confident that Maryna would make an outstanding Senior Underwriting & Account Man-
ager and would be a valuable asset to any organization seeking experienced leadership in mer-
chant underwriting, payments risk management, and compliance.
Sincerely,

3/11/2026 | 10:01 AM PDT

Eric Hannelius
CEO
Pepper Pay LLC
[открыть контакты](см. выше в блоке «контактная информация»)
Certificate Of Completion
Envelope Id: 6E64F9C8-E5CD-8401-83C7-2DF8464C99AB Status: Completed
Subject: Complete with Docusign: Reference Letter - Maryna Vliubchak-Vorotnikova.pdf
Source Envelope:
Document Pages: 1 Signatures: 1 Envelope Originator:
Certificate Pages: 1 Initials: 0 Underwriting Team
AutoNav: Enabled 20801 Biscayne Blvd Ste 403
EnvelopeId Stamping: Enabled Miami, FL 33180
Time Zone: (UTC-05:00) Eastern Time (US & Canada) [открыть контакты](см. выше в блоке «контактная информация»)
IP Address: 207.126.162.173

Record Tracking
Status: Original Holder: Underwriting Team Location: DocuSign
3/11/2026 12:49:44 PM [открыть контакты](см. выше в блоке «контактная информация»)

Signer Events Signature Timestamp
Eric Hannelius Sent: 3/11/2026 12:51:18 PM
[открыть контакты](см. выше в блоке «контактная информация») Viewed: 3/11/2026 1:01:12 PM
CEO Signed: 3/11/2026 1:01:22 PM
Pepper Pay
Signature Adoption: Pre-selected Style
Security Level: Email, Account Authentication
(None) Using IP Address:
2603:7080:483f:b1c6:58c1:1d02:c4fc:b06
Signed using mobile
Electronic Record and Signature Disclosure:
Not Offered via Docusign

In Person Signer Events Signature Timestamp

Editor Delivery Events Status Timestamp

Agent Delivery Events Status Timestamp

Intermediary Delivery Events Status Timestamp

Certified Delivery Events Status Timestamp

Carbon Copy Events Status Timestamp

Witness Events Signature Timestamp

Notary Events Signature Timestamp

Envelope Summary Events Status Timestamps
Envelope Sent Hashed/Encrypted 3/11/2026 12:51:18 PM
Certified Delivered Security Checked 3/11/2026 1:01:12 PM
Signing Complete Security Checked 3/11/2026 1:01:22 PM
Completed Security Checked 3/11/2026 1:01:22 PM

Payment Events Status Timestamps