Bankcard Operations & Merchant Services Specialist

Westamerica Bancorporation; Santa Rosa (CA); On-site; USD 30,000 - 39,000; Full time

Job summary

Westamerica Bancorporation's Redwood Merchant Services division seeks a Bankcard Operations Representative in Santa Rosa. The role requires analyzing merchant activity, handling risk checks, and communicating underwriting decisions.

Strong attention to detail and written skills are essential for high-quality risk management and customer service. You will collaborate with banks, merchants, and internal teams to maintain compliant operations and support a seamless merchant experience while

Qualifications

• Analytical mindset with a critical, investigative approach to problem solving.
• Detail oriented with high curiosity and risk awareness.
• Strong written and verbal communication skills.
• Ability to juggle multiple tasks and maintain high performance.
• Proficiency with Microsoft Excel/Google Sheets (basic functions).
• Ability to work 8am-5pm PT, Monday–Friday.

Responsibilities

• Monitor and investigate merchant processing activities using risk tools.
• Field calls explaining underwriting/risk policies and decisions.
• Contact banks, merchants, and cardholders to verify transactions.
• Conduct investigations to ensure risk is managed and compliant.
• Document risk assessment findings concisely.
• Ensure service levels are met with efficient, quality service.

Skills

Analytical mindset

Detail oriented

Strong written & verbal communication

Multitasking

Excel / Google Sheets basics

Availability for 8am-5pm PT, Mon-Fri

Fraud and risk experience

Experience with risk monitoring tools

Job description

Westamerica Bancorporation's Redwood Merchant Services division seeks a Bankcard Operations Representative in Santa Rosa. The role requires analyzing merchant activity, handling risk checks, and communicating underwriting decisions.

Strong attention to detail and written skills are essential for high-quality risk management and customer service. You will collaborate with banks, merchants, and internal teams to maintain compliant operations and support a seamless merchant experience while