- Processes merchant services applications; verifies business and credit information and recommends transaction velocity limits.
- Complies with KYC, OFAC, and BSA/AML rules and regulations.
- Monitors and communicates risk concerns to management.
- Interacts with regular and complex merchant clients, ISOs, VARs, Referral Banks, and the ODFI (Originating Depository Financial Institution) to carry out these responsibilities.
- Maintains client database to facilitate process flow, reporting, and analysis.
- Trains Credit Risk Analysts on risk management systems, processes, policies and procedures, and regulatory compliance.
- Assists with determining needed risk management system enhancements and serves as a resource for determining and validating proposed system enhancements.
- Monitors portfolio of existing merchant accounts for transaction risk, the decline in financial condition, and other derogatory indicators. Communicate concerns to management.
- Reviews and approves changes to merchant accounts, including but not limited to ownership changes, new bank accounts, locations, and modifying transaction velocity settings based on customer's business needs and risk mitigation.
- May be required to interact with internal and external auditing groups to ensure risk and regulatory compliance.
- May perform other job duties as assigned.
- A minimum of 6 years of experience working in credit risk underwriting, merchant underwriting, OR commercial/credit lending analysis, or account analysis within a financial institution or payment services industry.
- Bachelor's degree or 8 years of additional required experience in lieu of a degree for a total of 14 years' experience.
- Must have the flexibility and willingness to work outside of standard business hours as business needs dictate.
- Must be a self-starter who can add value by driving process-related decisions while working independently.
- Master's degree in Finance, Accounting, or AAP, CFE, or CAMS Certification.
- Strong knowledge of BSA, AML, KYC, and OFAC.
- Familiar with Experian Business Reports, and/or LexisNexis.
- Proven Experience in merchant credit underwriting.
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Senior Credit Risk Analyst - Allen, United States - Jack Henry & Associates
Description
Senior Credit Risk AnalystGeneral information
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JobID
14378
Position Level
Individual Contributor
Team
Business Operations
Working Time
Full-Time
Position Type
Regular
Travel Requirements
0%
Workplace Type
Hybrid
Preferred Location
Allen, TX
Additional Locations
Allen, TX, Alpharetta, GA, Birmingham, AL, Branson, MO, Cedar Falls, IA, Charlotte, NC, Houston, TX, Lenexa, KS, Monett, MO, Shawnee, KS, Springfield, MO
Description & Requirements
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At Jack Henry, we deliver technology solutions that are digitally transforming and empowering community banks and credit unions to provide enhanced and streamlined user experiences to their customers and members.
Our best-in-class products are just the start as we lay the groundwork for the future of digital banking and payments.
We hope you'll join us. We can't do it without you.The Credit Analyst for the Enterprise Payments Solutions team is essential to the success of the organization.
You will be working individually as part of a team of dedicated analysts in a high-stress, high-volume environment processing merchant applications, gathering, and verifying business and credit information to recommend approval or decline of new applications as well as credit (transaction velocity) limits.
You will partner with merchant clients, independent sales organizations (ISO), value-added resellers (VARs), and financial institutions.This position will work remotely from the US.
The salary range for this position is dependent on several factors including location. The range for this position is $56,610-$84,864, with the final salary being set by the hiring manager.
What you'll be responsible for:
What you'll need to have:
What would be nice for you to have:
We're eager to meet motivated people who align with Jack Henry's mission and can contribute to our company in a variety of ways.
Why Jack Henry?
At Jack Henry, we pride ourselves through our motto of, "Do the right thing, do whatever it takes, and have fun." We recognize the value of our associates and believe much of our company's strength and success depends on their well-being.
We demonstrate our commitment by offering outstanding benefit programs ) to ensure the physical, mental & financial well-being of our people is always met.Culture of Commitment
Ask our associates why they love Jack Henry, and many will tell you it is because our culture is exceptional.
We do great things together. Rising to meet challenges and seeking opportunities is part of who we are as an organization. Our culture has helped us stay strong through challenging times and we credit our dedicated associates for our success. Visit our Corporate Responsibility ) site to learn more about our culture and commitment to our people, customers, community, environment, and shareholders.Equal Employment Opportunity
At Jack Henry, we know we are better together. We value, respect, and protect the uniqueness each of us brings. Innovation flourishes by including all voices and makes our business - and our society - stronger.
Jack Henry is an equal opportunity employer and we are committed to providing equal opportunity in all of our employment practices, including selection, hiring, performance management, promotion, transfer, compensation, benefits, education, training, social, and recreational activities to all persons regardless of race, religious creed, color, national origin, ancestry, physical disability, mental disability, genetic information, pregnancy, marital status, sex, gender, gender identity, gender expression, age, sexual orientation, and military and veteran status, or any other protected status protected by local, state or federal law.
No one will be subject to, and Jack Henry prohibits, any form of discipline, reprisal, intimidation, or retaliation for good faith reports or complaints of discrimination of any kind, pursuing any discrimination claim, or cooperating in related investigations.
_Requests for full corporate job descriptions may be requested through the interview process at any time._
