Merchant Card Operations & Risk Analyst

Westamerica Bancorporation; Santa Rosa (CA); On-site; USD 45,000 - 65,000; Full time

Job summary

Westamerica Bank in Santa Rosa, CA is seeking a Bankcard Operations Representative to monitor merchant processing, handle risk and underwriting inquiries, and provide high-quality telephone support in a fast-paced environment. The role requires 1–2 years in merchant services with fraud/risk experience, strong Excel/Sheets skills, and excellent written and verbal communication.

You will document risk findings and maintain merchant profiles while collaborating with sales to ensure a positive

Qualifications

• 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

Responsibilities

• 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

Skills

Fraud risk

Risk monitoring tools

Analytical thinking

Attention to detail

Written and verbal communication

Multi-tasking

Excel

Google Sheets

Tools

Risk monitoring tools

Excel

Google Sheets

Job description

Westamerica Bank in Santa Rosa, CA is seeking a Bankcard Operations Representative to monitor merchant processing, handle risk and underwriting inquiries, and provide high-quality telephone support in a fast-paced environment. The role requires 1–2 years in merchant services with fraud/risk experience, strong Excel/Sheets skills, and excellent written and verbal communication.

You will document risk findings and maintain merchant profiles while collaborating with sales to ensure a positive