Fraud Analyst, Merchant Services

Description

FFB, a dynamic and acclaimed single-branch bank born in the heart of Fresno, CA in 2005, is on a mission to redefine the banking experience. Our commitment to delivering top-notch banking services has propelled us to the forefront of the industry, earning us accolades and recognition. At FFB, we recognize the uniqueness of each individual who walks through our doors, and our dedicated team strives to craft personalized banking solutions that cater to their distinct needs.

What sets FFB apart is not just our Fresno roots but the diverse talents that make up our team, hailing from every corner of the country. We firmly believe that our people are our greatest strength, and we're constantly on the lookout for ambitious and passionate individuals who align with FFB's vision, regardless of their location.

If you're ready to be part of a winning team and contribute to our ongoing success story, we invite you to apply and join the FFB family!

• 2024 & 2025 - American Banker - #1 Top Performing Publicly Traded Bank with under $2b in assets
• 2023 - American Banker - "Top 5" Community Bank in the Country #4
• 2023 - OTCQX - Best 50 Companies #3
• 2023 - 5-star Rating Bauer Financial

• Company ownership through our Employee Stock Ownership Program (ESOP)
• A friendly, close-Knit work culture that encourages growth
• Opportunities to Participate in Community Networking Events
• Benefits Package

• Medical/Dental/Vision
• Life Insurance
• Paid Vacation
• 401(k) Retirement Plan
• Training & Development
• Tuition Reimbursement
• Employee Assistance Program
• Internal Job Posting & Referral Program

FFB prides itself on its core values of Teamwork, Relationship, Authenticity, and Commitment (TRAC). We expect that our team members will reflect these values in the workplace in various ways:

• Teamwork – We collaborate, hold each other accountable, and win together.
• Relationship – We are trustworthy, transparent, and respectful.
• Authentic – We are humble, vulnerable, and we speak up.
• Commitment – We are  hungry, responsive, and have a sense of urgency.

The Fraud Analyst works closely with the Fraud Manager as well as the Compliance team and is responsible for the day-to-day operations of risk and underwriting within the company's merchant and acquiring portfolios. This role requires a robust understanding of the Merchant Acquiring space and will take a strategic approach at how the organization identifies and mitigates risk for our business segment.

• Reviews and analyzes merchant applications to make confident informed decisions and recommendations.
• Provides guidance and respond to daily inquiries from peers, Sub-ISO and ISO partners.
• Prepares key points for presentation to management pertaining to customers that pose heightened or elevated risk to the Bank.
• Maintains accurate and thorough documentation and audit trails of Merchant assessments, reports, documents, due diligence, investigation results, etc. in a timely manner.
• Evaluates existing relationships and the timely identification and escalation of unusual activity. Complete appropriate Unusual Activity Reporting processes per policy to adhere with compliance requirements as needed.
• Performs on-site visits to third party payment processors and coordinates audits performed by the business line, Third Party Risk Management and Financial Crimes Risk Management.
• Develop and maintain a comprehensive understanding of all card brand rules and network regulations related to Payment Acceptance and Risk business line activities. Ensuring bank compliance and work to implement recommended best practices.
• Identifies opportunities, develop procedures, and enhance existing processes to implement and/or recommended best practices.
• Ensures proper communication and compliance of company and regulatory policies affecting all areas managed within merchant services including but not limited to: risk management, fraud prevent, card brand compliance.
• Evaluates financial and bank statements to assess creditworthiness, determine merchant financial stability, and identify potential risks…