Bankcard Operations Representative - Risk

Westamerica-Bank; Santa Rosa (CA); On-site; USD 48,000 - 56,000; Full time

Job summary

Westamerica Bank in Santa Rosa is seeking a Bankcard Operations Representative for Redwood Merchant Services. You will monitor merchant processing, investigate risk, verify transactions, and document findings to support compliant, high-quality service.

The role requires 1–2 years in merchant services with fraud/risk focus, familiarity with risk tools, strong communication, and solid Excel skills. Typical schedule is 8 am–5 pm PT, Monday–Friday, in a fast-paced setting.

Qualifications

• 1-2 years in merchant services with fraud/risk focus.
• Experience with risk monitoring tools/systems preferred.
• Analytical mindset with problem-solving approach.
• Detail oriented with curiosity and risk awareness.
• Strong written and verbal communication skills.
• Ability to juggle multiple tasks while maintaining quality.
• Proficient with Excel/Google Sheets basics.
• Typically able to work 8 am-5 pm PT, Mon-Fri.

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.
• Deliver efficient, quality services meeting service levels.
• Maintain merchant accounts (profiles, bank details).
• Collaborate with sales and colleagues to support merchants.
• Stay current on merchant industry trends relevant to our clients.
• Assist Credit team with review of merchant accounts as needed.

Skills

Fraud & risk

Risk monitoring tools

Analytical thinking

Detail oriented

Communication skills

Multi-tasking

Excel/Sheets

Fixed schedule 8-5 PT

Tools

Excel

Job description

Description

Westamerica is among the largest commercial banks headquartered in California. We are looking for outstanding people to join our winning team. We reached our current strength because our employees, customers, and shareholders believe in the same fundamental goals: Delivering a wide variety of financial services with a superior customer service guarantee.

Weekly Working Hours: 40

Redwood Merchant Services, a division of Westamerica Bank is seeking a Bankcard Operations Representative for our Santa Rosa location. We are looking for outstanding people to join on our winning team. We reached our current strength because our employees, customers, and shareholders believe in the same fundamental goals: Delivering a wide variety of financial services with a superior customer service guarantee.

As Bankcard Operations Representative, one must exhibit excellent telephone customer service skills, as well as the following:

• Monitor and investigate merchant’s processing activities using a variety of risk tools
• Field customer calls requiring explanation of specific underwriting/risk policies and decisions related to those policies
• Contact banks, merchants and/or cardholders to verify transactions processed through merchant accounts.
• Conduct investigations regularly to ensure risk is managed and activity is compliant
• Concisely document your risk assessment findings
• Ensure that efficient and quality services are delivered that meet or exceed agreed service level standards
• Perform merchant account maintenance such as profile and bank account updates
• Collaborate with internal sales and other colleagues to support a successful merchant experience
• Stay current on merchant industry trends specific to the industries we support
• Perform other risk related duties as assigned including supporting the Credit team on reviewing merchant accounts

Requirements

Skills & Requirements

• 1-2 years in the merchant services industry with experience specific to fraud and risk (Preferred)
• Experience working with various transaction & risk monitoring tools/systems (Preferred)
• Analytical mindset with a critical, investigative approach to problem solving
• Detail oriented coupled with a high level of curiosity and risk awareness
• Solid written and verbal communication skills
• Able to juggle multi tasks and deliver consistent high performance
• Experience with Microsoft Excel/Google sheets (basic functions)
• Ideally able to work an 8 am - 5 pm PT, Monday - Friday schedule

Candidate must possess strong written skills, intermediate computer skills and willingness to work in a fast-paced environment. Must also have the ability to calculate figures and amounts, such as discounts, interest, commission proportions and percentages.

EOE

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