Payments Risk Analyst

First International Bank & Trust; Sioux Falls, Northern (SD, KY); Hybride; USD 65 000 - 90 000; Plein temps

Résumé du poste

First International Bank & Trust is seeking a Payments Risk Analyst to identify, assess, and mitigate risks across the payments environment. The role supports fraud prevention, BSA/AML compliance, and third-party risk management through transaction monitoring, investigations, data analysis, and vendor oversight.

The ideal candidate is analytical, detail-oriented, and eager to protect customers, partners, and the organization from emerging risks. This is an in-person position based in Sioux Falls.

Qualifications

• Associate degree or equivalent combination of education and experience.
• 1) Experience in payments, fraud prevention, BSA/AML compliance, risk management, or banking/fintech.
• 2) Strong analytical, investigative, organizational and problem-solving skills.
• 3) Proficiency with Microsoft Excel and Word.
• 4) Experience with ACH, RTP, payment cards, NACHA rules, fraud monitoring systems, AML platforms, or third-party risk management preferred.

Responsabilités

• Monitor payment activity and investigate unusual or suspicious transactions.
• Review alerts, support fraud and AML investigations, and escalate concerns as needed.
• Analyze transaction data to identify trends, emerging risks, and control improvements.
• Assist with testing and enhancement of fraud monitoring and AML systems.
• Support the development of procedures, documentation, and risk reporting.
• Conduct due diligence and ongoing monitoring of third-party vendors and payment partners.
• Assist with third-party risk assessments and regulatory compliance activities.
• Participate in special projects and other duties as assigned.

Connaissances

Analytical thinking

Attention to detail

Investigative skills

Regulatory compliance

Formation

Associate degree in Finance, Business Administration, Risk Management, or related field

Outils

Excel

Word

Fraud monitoring systems

AML platforms

Description du poste

First International Bank & Trust is seeking a Payments Risk Analyst to help identify, assess, and mitigate risks across our payments environment. This role supports fraud prevention, BSA/AML compliance, and third-party risk management through transaction monitoring, investigations, data analysis, and vendor oversight.

The ideal candidate is analytical, detail-oriented, and interested in protecting customers, partners, and the organization from emerging risks.

This is an in-person position based in our Sioux Falls location.

Key Responsibilities

• Monitor payment activity and investigate unusual or suspicious transactions.
• Review alerts, support fraud and AML investigations, and escalation concerns as needed.
• Analyze transaction data to identify trends, emerging risks, and control improvements.
• Assist with testing and enhancement of fraud monitoring and AML systems.
• Support the development of procedures, documentation, and risk reporting.
• Conduct due diligence and ongoing monitoring of third-party vendors and payment partners.
• Assist with third-party risk assessments and regulatory compliance activities.
• Participate in special projects and other duties as assigned.

Qualifications

• Associate degree in Finance, Business Administration, Risk Management, or a related field; experience in payments, fraud prevention, BSA/AML compliance, risk management, banking, fintech, or a related field;or an equivalent combination of education and experience.
• Understanding of payment operations, fraud detection, regulatory compliance, or operational risk principles.
• Strong analytical, investigative, organizational, and problem-solving skills.
• Proficiency with Microsoft Office applications, including Excel and Word.
• Experience with ACH, RTP, payment cards, NACHA rules, fraud monitoring systems, AML platforms, or third-party risk management practices preferred.