Merchant Compliance Analyst
Company: Fresno First Bank
Location: Fresno
Posted on: August 4, 2022
Job Description:
Description: At Fresno First Bank, we truly believe that our
people are our greatest asset - and we treat them as such. We offer
exciting and interesting opportunities for dedicated, hard-working
professionals. If you share our values and passion for providing
clients with opportunities to achieve their aspirations and
personal success- apply today! Our Values: Teamwork: We all pitch
in to provide the high caliber service our customers deserve. We
have to trust and rely on each other to execute our work with
purpose and efficiency - however difficult the task might be. We
are constantly thinking about the next step and the next
opportunity. Relationships: Building mutually beneficial
relationships is curtail to the long-term success of our
organization. By immersing ourselves in the business ventures we
empower, we come to understand our customers as people with real
human needs rather than just numbers. Authentic: We say what we
mean, and we mean what we say. Internally that means holding each
other accountable and owning up to mistakes. It also means being
straight forward with customers. Commitment: Our pride of ownership
is strong. Every day, we bring our best in order to support our
customers and represent the bank. Employment with Fresno First Bank
will allow you to earn competitively, grow professionally and enjoy
a collaborative and compassionate culture that rewards good ideas,
good work, and initiative. The Merchant Compliance Analyst works
closely with the Merchant Risk Officer as well as the Compliance
team, and is responsible for the day-to-day operations of risk and
underwriting within the company's merchant and acquiring
portfolios. This role requires a robust understanding of the
Merchant Acquiring space, and will take a strategic approach at how
the organization identifies and mitigates risk for our business
segment. Essential Duties
- Develop and maintain a comprehensive understanding of all card
brand rules and network regulations related to Payment Acceptance
and Risk business line activities. Ensuring bank is in compliance
and work to implement recommended best practices.
- Maintain compliance data and reporting on PCI compliance
validation progress across the organization for Merchants,
Partners, Vendors and Third Parties.
- Assist with merchant data compromise and security incident
response.
- Track the status of merchant non-compliance and follow through
to resolution.
- Assist with merchant data compromise and security incident
response.
- Provide guidance and respond to daily inquiries from peers and
ISO partners.
- Prepares key points for presentation to management pertaining
to non-compliant customers that pose heightened risk to the
Bank.
- Maintain accurate and thorough documentation and audit trails
of Merchant assessments, reports, etc. in a timely manner.
- Provide updates to internal and external staff and partners
related to updates and changes to Regulatory and Card Brand
rules.
- Assist with preparation of on-site visitations to third party
payment processors and coordinates audits performed by the business
line, Third Party Risk Management and Financial Crimes Risk
Management.
- Ensures proper communication and compliance of company and
regulatory policies affecting areas managed.
- Other related duties assigned by Risk Officer.
- Treat people with respect; keep commitments; Inspire the trust
of others; work ethically and with integrity; uphold organizational
values; accept responsibility for own actions.
- Follow policies and procedures; complete administrative tasks
correctly and on time; support the Bank's goals and values; benefit
the bank through outside activities.
- Perform the position safely, without endangering the health or
safety to themselves or others and will be expected to report
potentially unsafe conditions. The employee shall comply with
occupational safety and health standards and all rules, regulations
and orders issued pursuant to the OSHA Act of 1970, which are
applicable to one's own actions and conduct.
- Assures compliance with all Bank policies and procedures, as
well as, all applicable state and federal banking regulations.
Requirements:
- Bachelor's degree preferred or comparable professional
experience
- 3+ years of merchant services experience; in Compliance, Fraud
and/or Risk operations is preferred
- 1+ years of Merchant underwriting experience
- 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
- Effective verbal, written and interpersonal communication
skills with the ability to apply common sense to carry out
instructions and instruct others, interpret documents, understand
procedures, write reports and correspondence, speak clearly to
customers and employees.
- Excellent organizational and time management skills.
- Ability to work with minimal supervision while performing
duties.
- Bachelor's degree preferred or comparable professional
experience
- 3+ years of merchant services experience; in Compliance, Fraud
and/or Risk operations is preferred
- 1+ years of Merchant underwriting experience
- 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
- Effective verbal, written and interpersonal communication
skills with the ability to apply common sense to carry out
instructions and instruct others, interpret documents, understand
procedures, write reports and correspondence, speak clearly to
customers and employees.
- Excellent organizational and time management skills.
- Ability to work with minimal supervision while performing
duties. PI186135476
Keywords: Fresno First Bank, Fresno , Merchant Compliance Analyst, Professions , Fresno, California
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