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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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