Merchant Card Risk & Operations Specialist

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

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.