Bankcard Operations Representative - Accounting
About The Position
Westamerica is among the largest commercial banks headquartered in California and is looking for outstanding people to join its winning team. The bank's strength is attributed to its employees, customers, and shareholders who share fundamental goals: Delivering a wide variety of financial services with a superior customer service guarantee. Redwood Merchant Services, a division of Westamerica Bank, is seeking a Bankcard Operations Representative for its Santa Rosa location. This role requires excellent telephone customer service skills and involves monitoring and investigating merchant processing activities, explaining underwriting/risk policies, contacting banks/merchants/cardholders to verify transactions, conducting investigations to manage risk and ensure compliance, documenting risk assessment findings, performing merchant account maintenance, collaborating with internal teams, and staying current on merchant industry trends. The position also includes performing other risk-related duties and supporting the Credit team.
Requirements
- Solid written and verbal communication skills
- Able to juggle multi tasks and deliver consistent high performance
- Experience with Microsoft Excel/Google sheets (basic functions)
- Candidate must possess strong written skills, intermediate computer skills and willingness to work in a fast-paced environment.
- Must also have the ability to calculate figures and amounts, such as discounts, interest, commission proportions and percentages.
Nice To Haves
- 1-2 years in the merchant services industry with experience specific to fraud and risk (Preferred)
- Experience working with various 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
- 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
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
No Education Listed
