Business Analyst Hybrid in CA)

Join a team that puts its People First! Since 1889, First American (NYSE: FAF) has held an unwavering belief in its people. They are passionate about what they do, and we are equally passionate about fostering an environment where all feel welcome, supported, and empowered to be innovative and reach their full potential. Our inclusive, people-first culture has earned our company numerous accolades, including being named to the Fortune 100 Best Companies to Work For® list for eleven consecutive years.

We have also earned awards as a best place to work for women, diversity and LGBTQ+ employees, and have been included on more than 50 regional best places to work lists. First American will always strive to be a great place to work, for all. For more information, please visit

First American Trust is seeking an experienced Business Analyst to support our growing Payments function across multiple payment rails, including ACH, wire transfers, instant payments, and future payment capabilities. This individual will use strong business, operational, and analytical skills to evaluate payment processes, analyze payment activity and trends, identify operational gaps and inefficiencies, support new payment capabilities, and help improve the scalability and effectiveness of the bank's payment operations.

The Business Analyst will partner closely with Payments Operations, payment program owners and subject matter experts, Risk/Compliance, Treasury Management, Product, Technology, Finance, and other business areas. This role provides analytical and operational support across payment rails and does not serve as the program owner or day-to-day processor for a specific payment method.

• Develop a strong understanding of the bank's end-to-end payment processes across ACH, domestic and international wires, instant payments, and other current or future payment rails.
• Analyze payment workflows to identify operational gaps, inefficiencies, manual processes, capacity constraints, control opportunities, and areas for improvement.
• Analyze payment volumes, values, exceptions, returns, rejects, processing times, service levels, manual interventions, and other operational data to identify trends and emerging issues.
• Develop reporting, metrics, dashboards, and management information that provide visibility into payment operations, performance, capacity, and trends.
• Perform root-cause analysis of recurring payment issues to distinguish individual exceptions from broader process or operational problems.
• Evaluate processes across different payment rails to identify opportunities for greater consistency, standardization, efficiency, and scalability.
• Support payment-related process improvement initiatives from problem identification through implementation and measurement of results.
• Partner with payment program owners, Operations teams, and subject matter experts to analyze trends, processes, capacity, controls, and improvement opportunities across ACH, wires, instant payments, and other payment rails.
• Document current-state payment processes and help design improved future-state processes.
• Support the implementation of new payment capabilities, including new payment rails, services, operational processes, and significant enhancements to existing capabilities.
• Help define business and operational requirements for new or modified payment products, processes, and services.
• Assess operational readiness for new payment initiatives, including procedures, controls, staffing impacts, training, reporting, exception handling, and ongoing support requirements.
• Participate in testing and implementation of payment-related changes from a business and operational perspective.
• Develop and maintain process maps, business requirements, procedures, training materials, and other operational documentation.
• Support management in evaluating the operational impact of payment rule, regulatory, industry, product, or volume changes.
• Support payment-related audit, examination, risk assessment, and remediation activities by providing analysis, documentation, process information, and supporting data.
• Partner with the Fraud & Claims function to analyze aggregate fraud activity, losses, recoveries, and trends as part of broader payment performance analysis, without assuming ownership of individual fraud investigations or claims.
• Facilitate meetings and working sessions involving payment operations and other business partners and help drive issues and action items…