Maryna

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

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

Summary
4 years experience in CC and ACH payment processing companies as a Senior
Underwriter and Credit Risk Manager. Proficient in verification and validation
processes, KYC & KYB, Visa / MC monitoring programs, PCI compliance, CB risk
assessment and evaluation; ID theft & AML prevention; fraud behaviour and
transaction patterns identification; technical onboarding of the MIDs for
gateway/POS integrations. Please see the Reference Letter attached below.

Core skills

Underwriting  Proficient in KYC & KYB verification processes -

enhance due OFAC, FinCen, MATCH, G2 monitoring, SoS business

diligence registration, full background search including
lawsuits (Justia), debts, online presence, reviews, PEP
traces etc.
 Supporting documents validation using Microbilt, TIN
 Check, KYC tools and professional experience in
recognizing altered/AI generated documents.
 Identifying potential red flags and fraud behaviour,
specifically for ID theft and Money Laundering cases.
 URL reviews for High Risk verticals - compliance with
Card Brands regulations, FDA, OFAC, bank’s policies
and requirements ; COAs analysis.
 Knowledge of 'reading’ business bank and processing
statements, fraud transaction patterns, suspicious
activity.
 Decision-making on approvals and further submission
to the bank, or declines due to excessive risk.

Credit Risk  Experian credit reports reading - alerts, score,

Assessment/ alignment of contact information and addresses with

Credit UW the ones provided on MPA, ID theft preventing, debts
and Sanction lists traces.
 MATCH check including further retroactivity
monitoring during 90 days.
 Deep understanding of MCC classification, risk
levels, high risk business specifics and US laws
requirements and regulations; processing structures
and financial risk indicators.
 Chargeback exposure, transaction patterns and
potential red flags.
 Decision-making on volume cap, rates and reserves.

PCI Compliance  Knowledge of card brand rules and regulatory
requirements, including Visa, MasterCard, AmEx;
 Attending bulk of MasterCard webinars related to
High Risk business verticals and specifics.
 Decision-making in accordance with sponsor banks’
guidelines and card brand rules.
Team  Previous experience in team leadership, coaching and

Leadership and trainings specifically for Junior Underwriters and

Flow Sales teams.

Improvement  Elaborating of company’s guidelines, updating the
policies and internal templates; structured and
organized approach.
 Result-oriented and highly responsible personality.

Employment history

Dates Role & company Overall

2022 – Senior Underwriter  Underwriting review of high risk and

Present, & Credit UW low risk deals in different business

full- manager— Pepper specifics including Digital marketing,

time Pay LLC Lodging, Peptides, Pharma, Nutra,
Smoke and CBD shops, Collections,
Credit repair, Counseling, Eating
places and Convenience stores and
so on.
 Using tools: Experian, MC MATCH,
OFAC, KYC, TIN Check, Microbilt - ID
verify, bank account validation,
phone search, email address
validation, TSYS, PPM, G2, HubSpot,
Enhanced People Search etc.
 Credit Risk Assessment including
credit score, alerts, fraud behaviour
and red flag transaction patterns,
money laundering and ID theft
prevention etc.
2022 – UW manager &  High Risk verticals placements,

2024, Client Relation — determining the suitable external

full- High Risk solutions (partners) considering

time Commerce LLC policies and prohibited lists.
 Client relations and support for
current active clients and boarding
assistance for new clients.

2022- Account &  ACH processing platform

2024, Onboarding  High adaptability in multi-task

part- manager - environment

time BillMyBank project  Building relationships with new
clients, providing support for active
users and full onboarding process.

2019- CEO - Redwine  New business establishing in E-

2022 Sport commerce and Retail Apparel
vertical.
 Full staff coordination, sales team
trainings and implementation of new
sales structure
 Hiring and boarding of new
employees.
 Achieved result of fast business
growth to high tickets and B2B
international model.

Education

Year 2012-2016
 Degree Bachelor of Social Psychology

Institution Odessa I.I. Mechnikov University

Certifications
 EF SET English level - C2
 PCI Compliance, BSA & AML, OFAC, Transaction Patterns, KYC,
UDAAP Risks, SAR certificates, on a yearly basis.
 FCRA Certificate

All certificates can be viewed by the link -
https://drive.google.com/drive/folders/1AJx8VOWLu-
fHi56k7W_2JzgBFrEVzqfb?usp=sharing

Languages
 English - Advanced
 Russian - Fluent
 Ukrainian - Advanced
 Spanish - Classroom study
 French - Beginner

References

Name Organization Phone Email

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

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

To Whom It May Concern,

I am pleased to recommend Maryna Vliubchak-Vorotnikova as a Senior Underwriting, Credit
Risk & Account Manager. I have had the opportunity to work with her in the credit card and
ACH payment processing and merchant acquiring industry and can confidently attest to her
strong expertise in underwriting, credit risk assessment, and regulatory compliance.

Maryna possesses extensive experience in merchant underwriting and risk assessment, including
the review of complex merchant application packages across a variety of industries from High-
Risk to Low-Risk verticals. She demonstrates a deep understanding of MCC classification, mer-
chant business models and specifics, 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, KYC & KYB verification and operational risk
factors. She is highly skilled in identifying potential red flags, conducting enhanced due dili-
gence where necessary, and implementing appropriate risk mitigation controls such as volume
caps, rolling reserves and monitoring programs.

Maryna also has a strong working knowledge of card brand rules and regulatory requirements,
including compliance with Visa, Mastercard, and sponsor banks guidelines. She ensures that un-
derwriting decisions are properly documented for further audits and consistent with internal
policies, while maintaining clear communication with stakeholders including sales teams, settle-
ment departments, support 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 portfolio performance, merchant behavior ana-
lysis including card brand and G-2 monitoring programs, periodic background search and ongo-
ing risk oversight, helping ensure long-term portfolio stability and regulatory compliance.

I am confident that Maryna would make an outstanding Senior Underwriting, Credit Risk & Ac-
count Manager and would be a valuable asset to any organization seeking experienced leader-
ship in merchant 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
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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
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