JOB DETAILS
Domain Expert | Banking: Loan Origination & Commercial Lending
CompanyFactify
LocationNew York
Work ModeRemote
PostedOctober 25, 2026
About The Company
Factify makes AI agents follow your rules.
Most companies already know where agents could help: onboarding, intake, approvals, claims, lending. What holds them back is one question from risk and compliance. How do we know the agent followed our policy?
Today that policy lives in PDFs, procedures, spreadsheets and people's heads. Each agent gets its own version through a prompt, and nobody can show which rule it acted on.
Factify turns all of that into one rulebook.
Seal. Your policies, limits and procedures become one versioned rulebook that the business owns.
Enforce. Agents act through tools that can only do what the rulebook allows. Anything outside it goes to the person who owns that decision.
Prove. Every action traces back to the rule, the version and the approval behind it, in a record an auditor can read.
Change a rule once and every agent follows it.
Factify works with the agents and platforms you already run, through tools, MCP or API. We work with banks, insurers, insurance brokers and wealth managers, and most teams start with a single process.
Bring one process and we'll map it with you: factify.com
About the Role
About Factify
AI agents are starting to make decisions in regulated enterprises, including US banks and insurers. Factify turns an organization's policies, documents and real-world practice into a sealed, executable rulebook that governs how those agents decide. Every decision is traceable, auditable and ratified by the people who own the process.
The role
You will be our US banking expert. You will map how critical decisions are actually made inside US banks, starting with credit decisions from application intake to final approval. You will find where policy and practice diverge, and encode that into rules that an AI agent can execute and a credit committee or examiner can defend. As our work expands, you will cover more of the bank's critical processes.
What you'll do
- Map end-to-end loan origination flows for consumer, small business and commercial lending: intake, KYC/BSA/AML, income and collateral verification, credit analysis, underwriting, approval and exceptions.
- Map other critical bank processes as customer needs arise, using your own experience of how they run in practice.
- Analyze credit policies, underwriting guidelines and regulatory requirements. Surface conflicts, gaps and ambiguous thresholds.
- Define and validate decision rules (eligibility, DTI/DSCR/LTV limits, covenants, pricing and escalation criteria) with bank process owners.
- Build realistic test cases and golden-label datasets (approve / decline / refer) with documented supporting evidence.
- Review agent decisions against real banking practice and flag where the rulebook or the agent is wrong.
- Advise product and engineering on what US banking teams need, and what breaks in production.
Requirements
- 10+ years in banking at a US bank, credit union or lender, with deep expertise in credit, underwriting, loan operations or credit risk. Commercial lending experience is valuable.
- Working knowledge of US banking regulation and supervision: ECOA/Reg B, fair lending, HMDA, TILA/RESPA, BSA/AML, OCC/FDIC/Fed model risk and credit risk guidance, and CECL.
- Experience documenting or redesigning bank processes (SOPs, BPMN, audit or model-governance work).
- The ability to turn "it depends" into explicit conditions, thresholds and exceptions.
- Availability for regular overlap with our Tel Aviv team.
- Clear written and verbal communication with bank leaders, executives and engineers.
- Location: Remote (US), with regular overlap with our Tel Aviv team (US Eastern morning hours).
Strong advantage
Hands-on experience in any core banking process is a major asset. Knowing additional processes from the inside broadens the range of business problems you can solve, for example:
- Customer onboarding, KYC, and CDD/EDD.
- AML transaction monitoring, sanctions screening, and SAR filing.
- Payments, cash management, and liquidity operations.
- Fraud detection and dispute handling.
- Collections, debt restructuring, and loan workouts.
- Deposit operations and account servicing.
- Trade finance and commercial banking operations.
- Regulatory reporting and compliance testing.
- Credit risk, model risk, and third-party risk management.
- Complaint handling and exam readiness.
Nice to have
- Experience at a fintech, a digital lender or a Big 4 financial-services practice.
- Exposure to decision engines, core banking and loan origination systems, or AI governance.
- FRM, CFA, CAMS or equivalent credentials.
Key Skills
Loan OriginationCommercial LendingCredit UnderwritingCredit RiskBanking Process MappingRegulatory ComplianceDecision Rule DesignKYC/BSA/AMLFair LendingCredit Policy AnalysisProcess DocumentationTest Case DevelopmentData LabelingModel GovernanceStakeholder Communication
Categories
Finance & AccountingConsultingTechnologyData & Analytics
Job Information
📋Core Responsibilities
Map US bank loan origination and other critical processes, identify gaps between policy and practice, and translate findings into auditable decision rules. Develop test cases and labeled datasets, review AI agent decisions, and advise product and engineering teams on banking requirements.
📋Job Type
hourly
📊Experience Level
10+
💼Company Size
39
📊Visa Sponsorship
No
💼Language
English
🏢Working Hours
40 hours
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