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FFB Bank · 1 day ago

Sponsorship Program Rules Analyst, Merchant Services

Fresno, CA

Full-time

Hybrid

Mid, Senior Level

$65K/yr - $85K/yr

3+ years exp

FFB Bank is a dynamic single-branch bank committed to redefining the banking experience. The Sponsorship Program Rules Analyst will work closely with Merchant Services Risk and Underwriting teams to manage compliance and risk operations within the merchant and acquiring portfolios, ensuring adherence to Card Brand rules and regulations.

BankingFinanceFinancial Services

Responsibilities

Develops 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 Card Brand compliance and work to implement recommended best practices

Maintains compliance data and reporting on PCI compliance validation progress across the organization for Merchants, Partners, Vendors and Third Parties

Communicates with Merchants, ISOs and Card Brands to assist and facilitate resolution of data compromises and security incident response

Completes Retro Match Searches

Prepares and submit Monthly, quarterly and annual Card Brand reporting

Submits ISO and/or merchant registrations as appropriate

Assists with Periodic reviews and portfolio oversight as necessary

Tracks the status of merchant non-compliance and follow through to resolution

Assists with merchant data compromise and security incident response

Provides 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

Maintains accurate and thorough documentation and audit trails of merchant assessments, reports, etc. in a timely manner

Provides updates to internal and external staff and partners related to updates and changes to Regulatory and Card Brand rules

Ensures Merchant Service Policies and Procedures meet Card Brand rules and regulations

Assists 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

Embodies the TRAC Values and Critical Behaviors (Teamwork, Relationship, Authenticity, Commitment) as core principles, using them to guide daily interactions and decision-making

Completes administrative tasks with a sense of urgency, including required Bank Compliance Training. Responds to internal and external inquiries via email, phone, or messaging platforms in a timely and professional manner. Positively represents the Bank through ethical conduct and community involvement

Demonstrates an understanding of and commitment to EEO policies. Fosters a respectful, inclusive workplace by valuing cultural differences, preventing harassment of any kind, and supporting a diverse workforce

Ensures adherence to all Bank policies, procedures, and processes, along with applicable state and federal laws, rules, and regulations, ensuring confidentiality and data privacy while carrying out AML/CFT (Anti-Money Laundering and Countering the Financing of Terrorism) responsibilities specific to the role

Performs duties in an office or home office environment, involving tasks such as writing, typing, speaking, lifting moderate weights, and operating office equipment. The position requires physical activities like sitting, walking, and reaching. Reasonable accommodation can be made for individuals with disabilities to perform essential functions

Travels up to 10%, including but not limited to attending company meetings, training sessions, and corporate events, with travel typically being regional or local based on business needs

Qualification

Merchant Services ComplianceRisk OperationsAnalytical SkillsMicrosoft Office SuiteMerchant Acquiring ExperienceUnderwriting SkillsCommunication SkillsOrganizational SkillsTeamwork SkillsTime ManagementProblem-Solving SkillsAdaptability

Required

Bachelor's degree from an accredited college or university in a relevant field (e.g., Business, Finance, or related) preferred

Minimum 3–5 years of related merchant services, with a focus on Compliance, Fraud, and/or Risk operations required

Minimum 1-2 years of experience in merchant acquiring and underwriting

Strong ability to independently underwrite concurrence applications within approval authority, in alignment with underwriting policies

Proficient analytical and problem-solving skills; capable of interpreting complex data and providing meaningful insights

Proficiency with Microsoft Office Suite (Excel, Word, Outlook) required

Effective oral, written, and interpersonal communication skills with the ability to apply common sense to carry out instructions, interpret documents, understand procedures, write reports and correspondence, and speak clearly to customers, vendors and employees

Strong organizational and time management abilities with attention to detail

Proficient teamwork and relationship skills to contribute to cross-functional collaboration and team success

Willingness to take on special projects and perform other duties as assigned, beyond core responsibilities, to support team and organizational needs

Commitment to continuous learning and professional development to stay current with industry standards and best practices

Ability to maintain authenticity and integrity in all professional interactions, ensuring trust and credibility with stakeholders

Capable of managing multiple priorities and meeting deadlines in a dynamic environment

Ability to work independently with minimal supervision and as part of a team

Proven ability to adapt to changing priorities and procedures

Current driver's license and a vehicle with appropriate insurance coverage if required to drive while performing assigned duties and responsibilities