Solutions · Merchant Risk Agent
Underwriting that used to take hours per applicant now closes in minutes. Roe runs the full ten-plus dimension review, asks the merchant for missing evidence, and keeps watching after go-live.
TODAY
Small and mid-market merchants drive volume, but most teams have no consistent risk strategy for them. So the bar slips, or the queue stalls.
Web research, document review, beneficial-owner lookups, and back-and-forth with sales. By the time the case is decisioned, the merchant has already shopped a competitor.
Enterprise merchants get a real underwriter. Small merchants get a checklist and a coin toss. Risk lives in dimensions your team rarely has time to look at.
Borderline applicants need one more document, one clarifying answer. Outreach lives in email threads, gets dropped, and decisions either rubber-stamp or never close.
What you get
Every merchant risk agent deployment ships with the same evidence-first reasoning, audit trail, and policy fit as the rest of Roe.
Ten-plus dimensions — UBO and adverse media, sanctions and PEP, license, MCC, web authenticity, jurisdiction, document review — in one pass. The merchant gets a decision the same session, not the same week.
When evidence is missing, Roe drafts a precise request, sends it, parses the reply, and re-runs the review. Borderline merchants close without an underwriter handoff.
After go-live, Roe watches transaction velocity, dispute patterns, listing changes, web drift, and adverse media. Material shifts surface as cited cases the same day.
Every disposition cites the SOP rule it satisfies and the evidence behind it. Partner-bank, sponsor-bank, and second-line examiners get a file they can sign off on without follow-ups.
How it works
Roe ingests the application, crawls the website, pulls filings and beneficial owners, and runs the full ten-plus dimension review end-to-end.
If anything is thin or contradictory, Roe drafts an RFI to the merchant, follows up, parses the response, and updates the case automatically.
A cited disposition lands in your underwriting queue. After go-live, Roe re-screens on your cadence and surfaces only material changes.
Per applicant, end to end
Risk dimensions in one pass
Re-screens after go-live