Merchant Risk & Card Operations Specialist

Westamerica-Bank; Santa Rosa (CA); On-site; USD 45,000 - 60,000; Full time

Job summary

Westamerica Bank's Redwood Merchant Services division in Santa Rosa is seeking a Bankcard Operations Representative to monitor merchant processing activities, assess risk, and provide excellent telephone support. The role emphasizes fraud risk awareness, investigative analysis, and adherence to underwriting policies while delivering high-quality service.

Ideal candidates have 1–2 years in merchant services, familiarity with risk tools and Excel, and can work 8:00 am–5:00 pm PT, Monday–Friday in

Qualifications

• 1-2 years in the merchant services industry with experience specific to fraud and risk (Preferred).
• Experience with 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

Risk analysis

Risk tools experience

Analytical mindset

Attention to detail

Communication skills

Multitasking

Excel/Sheets

Schedule: PT

Tools

Risk monitoring tools

Fraud monitoring systems

Job description

Westamerica Bank's Redwood Merchant Services division in Santa Rosa is seeking a Bankcard Operations Representative to monitor merchant processing activities, assess risk, and provide excellent telephone support. The role emphasizes fraud risk awareness, investigative analysis, and adherence to underwriting policies while delivering high-quality service.

Ideal candidates have 1–2 years in merchant services, familiarity with risk tools and Excel, and can work 8:00 am–5:00 pm PT, Monday–Friday in