Merchant Risk Specialist

1 month ago

Fresno, California, United States Fresno First Bank Full time
About Fresno First Bank

Fresno First Bank is a dynamic and acclaimed single-branch bank born in the heart of Fresno, CA in 2005. Our mission is to redefine the banking experience by delivering top-notch services and earning recognition in the industry.

Our Core Values

We pride ourselves on our core values of Teamwork, Relationship, Authenticity, and Commitment (TRAC). Our team members reflect these values in the workplace by collaborating, being trustworthy, transparent, and respectful, and by being humble, vulnerable, and speaking up.

The Merchant Risk Analyst Role

The Merchant Risk Analyst works closely with Merchant Risk peers and the Compliance team to manage risk and underwriting within the company's merchant and acquiring portfolios. This role requires a deep understanding of the Merchant Acquiring space and a strategic approach to identifying and mitigating risk.

Key Responsibilities
  • Review and analyze merchant applications to make confident decisions and recommendations.
  • Provide guidance and respond to daily inquiries from peers and ISO partners.
  • Prepare key points for presentation to management on customers that pose heightened risk to the Bank.
  • Maintain accurate and thorough documentation and audit trails of Merchant assessments, reports, etc.
  • Evaluate existing relationships and identify unusual activity.
  • Schedule on-site visitations to third-party payment processors and evaluate reviews performed by the business line, Third Party Risk Management, and Financial Crimes Risk Management.
  • Develop and maintain a comprehensive understanding of all card brand rules and network regulations related to Payment Acceptance and Risk business line activities.
  • Ensure proper communication and compliance of company and regulatory policies affecting areas managed.
  • Analyze financial and bank statements to assess credit worthiness and develop a view of merchant financial health and any risk to the Bank's operations.
  • Analyze a wide range of data to develop a view on a Merchant risk profile and Bank relationship.
Requirements
  • Bachelor's degree or comparable professional experience.
  • Minimum of 3 years of merchant services experience in Fraud and/or Risk operations.
  • Minimum 1 year of merchant underwriting experience.
  • Minimum 1 Merchant Acquiring experience.
  • Strong written and verbal communication.
  • Demonstrate proficiency to independently underwrite concurrence applications, within approval authority, consistent with underwriting policies.
  • Ability to take initiative and effect change through consensus building, negotiation, and conflict resolution.
What We Offer

We offer a friendly, close-knit work culture that encourages growth, opportunities to participate in community networking events, and a comprehensive benefits package, including medical, dental, vision, life insurance, paid vacation, 401(k) retirement plan, training and development, tuition reimbursement, employee assistance program, and internal job posting and referral program.

Why Join Us

We are a dynamic and acclaimed single-branch bank that is on a mission to redefine the banking experience. We are committed to delivering top-notch services and earning recognition in the industry. If you are passionate about risk management and underwriting, and you are looking for a challenging and rewarding role, we invite you to apply and join our team.

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