Sr. Analyst, Credit Risk, ACH, & Merchant Acquiring

First National Bank•Omaha, NE

1d•Hybrid

About The Position

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.

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

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