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Sr. Analyst, Credit Risk, ACH, & Merchant Acquiring
About the position
At FNBO, our employees are the heart of our story—and we’re committed to their success! Please see below the details of this career opportunity and how it fits into our organization’s success. Summary of the Job: The Sr, Analyst, Credit Risk is the subject matter expert regarding the monitoring and quality control processes within Credit Risk Administration. The role is accountable for duties including credit related operations across the enterprise, business analysis for both consumer and business lending, and monitoring potentially suspicious activity on customer accounts.
Responsibilities
- Perform daily quality control reviews of Consumer Credit Card operations and/or Retail Credit Operations
- Enhance quality control plans as processes change/adapt to the regulatory environment and as strategies are updated and introduced to the credit and servicing processes
- Prepare quality control exception reports to determine credit trends and potential issues
- Forecast and perform trend analysis identifying risks and opportunities by product
- Investigate fraud scams and recovery of funds from these scams
- Utilize analysis to train/raise awareness with frontline staff of trending scams and suspicious transaction activity
Requirements
- Sound knowledge of ACH operations, NACHA rules, and ACH credit risk management
- Strong understanding of merchant acquiring, card processing, and ISO sponsorship models
- Experience with payment processor relationships and underwriting coordination
- Expertise in credit analysis, financial statement review, and risk assessment
- Knowledge of BSA/AML requirements, SAR filing procedures, and compliance frameworks
- Advanced Excel proficiency for credit analysis and portfolio monitoring
- Strong analytical and problem-solving abilities with focus on payments risk
- Excellent business writing skills for credit memos, risk assessments, and compliance documentation
- Ability to manage multiple underwriting requests and monitoring activities simultaneously
- Detail-oriented with commitment to accuracy in credit decisioning and documentation
- Strong relationship-building with internal partners and third-party processors
- Excellent oral and written communication at all organizational levels
- Collaborative approach to cross-functional problem-solving
- Proven ability to work independently while managing diverse credit portfolios
- Bachelor's degree in Business, Finance, or related field
- 3-5+ years of previous experience in the banking or payments industry, with emphasis on ACH and/or merchant acquiring credit risk
- Lending authority experience in payments or commercial credit
- Knowledge of ACH operations, merchant processing, and card network regulations
- Experience with third-party processor relationships
- Strong understanding of BSA/AML compliance and SAR filing requirements
- Advanced analytical and risk assessment capabilities
- Experience developing and maintaining credit policies and procedures
- Unrestricted work authorization and not requiring future sponsorship
Benefits
- Medical, Dental, Vision Insurance
- 401k, With Matching Contributions
- Time Off Programs
- Health Savings Account (HSA)/Dependent Care
- Employee Banking
- Growth Opportunities
- Tuition Assistance
- Short-Term/Long-Term Disability Insurance