Fraud Analyst, Merchant Services
FFB Bank
full-time
Posted on:
Location Type: Remote
Location: Remote • California • 🇺🇸 United States
Visit company websiteSalary
💰 $65,000 - $85,000 per year
Job Level
Mid-LevelSenior
About the role
- The Fraud Analyst works closely with the Fraud Manager as well as the Compliance team.
- Responsible for the day-to-day operations of risk and underwriting within the company's merchant and acquiring portfolios.
- Reviews and analyzes merchant applications to make confident informed decisions and recommendations.
- Provides guidance and respond to daily inquiries from peers, Sub-ISO and ISO partners.
- Prepares key points for presentation to management pertaining to customers that pose heightened or elevated risk to the Bank.
- Maintains accurate and thorough documentation and audit trails of Merchant assessments.
- Evaluates existing relationships and timely identification and escalation of unusual activity.
- Complete appropriate Unusual Activity Reporting processes to adhere with compliance requirements as needed.
- Performs on-site visits to third party payment processors and coordinates audits.
- Evaluates financial and bank statements to assess creditworthiness, determine merchant financial stability, and identify potential risks to the Bank’s operations.
Requirements
- Bachelor’s degree from an accredited college or university in a relevant field (e.g., Business, Finance, or related) preferred.
- Advanced degree or relevant certifications strongly preferred for senior-level roles.
- Minimum 3–5 years of Merchant Services experience in relevant or related Risk Management/Fraud Prevention (Risk operations) experience required.
- Minimum 1–2 years of experience in Merchant Risk & Fraud Monitoring, Merchant Underwriting and/or Merchant Acquiring solutions.
- Proficient analytical and problem-solving skills; capable of interpreting complex data and providing meaningful insights.
- Experience, knowledge and training in financial statement and tax return analysis.
- Proficiency with Microsoft Office Suite (Excel, Word, Outlook) required.
- Effective oral, written, and interpersonal communication skills.
- Strong organizational and time management abilities with attention to detail.
- Proven ability to adapt to changing priorities and procedures.
Benefits
- Medical/Dental/Vision
- Life Insurance
- Paid Vacation
- 401(k) Retirement Plan
- Training & Development
- Tuition Reimbursement
- Employee Assistance Program
- Internal Job Posting & Referral Program
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard skills
risk managementfraud preventionmerchant underwritingmerchant acquiringfinancial statement analysistax return analysisdata analysisproblem-solvingcreditworthiness assessmentunusual activity reporting
Soft skills
analytical skillscommunication skillsorganizational skillstime managementattention to detailadaptabilityinterpersonal skillspresentation skillsdecision-makingguidance
Certifications
Bachelor's degreeadvanced degreerelevant certifications