Bankcard Operations Representative - Risk

Westamerica Bancorporation; Santa Rosa (CA); Sur place; USD 30 000 - 39 000; Plein temps

Résumé du poste

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.

Responsabilités

• 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.

Connaissances

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

Description du poste

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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