FFB Bank
Sponsorship Program Rules Analyst, Merchant Services
FFB Bank, Fresno, California, United States, 93650
Job Type
Full-time
About the Company 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.
Recent Achievements
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
What We Offer
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
Ideal Candidate
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 owners. Be hungry, responsive, and have a sense of urgency.
About The Position The Sponsorship Program Rules Analyst works closely with the Merchant Services Risk and Underwriting teams, as well as the Bank Compliance team, and is responsible for the day‑to‑day operations of compliance and risk within the company’s merchant and acquiring portfolios. This role requires a robust understanding of the Merchant Acquiring space and its direct channel, and will take a strategic approach at how the organization identifies and mitigates risk for our business segment.
Essential Duties
Develop and maintain comprehensive understanding of all Card Brand rules and network regulations related to Payment Acceptance and risk business line activities, ensuring compliance and implementing best practices.
Maintain compliance data and reporting on PCI compliance validation progress across the organization for Merchants, Partners, Vendors and Third Parties.
Communicate with Merchants, ISOs and Card Brands to assist and facilitate resolution of data compromises and security incident response.
Complete Retro Match Searches.
Prepare and submit monthly, quarterly, and annual Card Brand reporting.
Submit ISO and/or merchant registrations as appropriate.
Assist with periodic reviews and portfolio oversight as necessary.
Track status of merchant non‑compliance and follow through to resolution.
Assist with merchant data compromise and security incident response.
Provide guidance and respond to daily inquiries from peers and ISO partners.
Prepare key points for presentation to management pertaining to non‑compliant customers that pose heightened risk to the Bank.
Maintain accurate and thorough documentation and audit trails of merchant assessments, reports, etc. in a timely manner.
Provide updates to internal and external staff and partners related to updates and changes to Regulatory and Card Brand rules.
Ensure Merchant Service Policies and Procedures meet Card Brand rules and regulations.
Assist with preparation of on‑site visitations to third‑party payment processors and coordinate audits performed by the business line, Third Party Risk Management and Financial Crimes Risk Management.
Ensure proper communication and compliance of company and regulatory policies affecting areas managed.
Embodies the TRAC Values and Critical Behaviors (Teamwork, Relationship, Authenticity, Commitment) as core principles, using them to guide daily interactions and decision‑making.
Complete administrative tasks with a sense of urgency, including required Bank Compliance Training. Respond to internal and external inquiries via email, phone, or messaging platforms in a timely and professional manner. Positively represent the Bank through ethical conduct and community involvement.
Demonstrate an understanding of and commitment to EEO policies. Foster a respectful, inclusive workplace by valuing cultural differences, preventing harassment of any kind, and supporting a diverse workforce.
Ensure adherence to all Bank policies, procedures, and processes, along with applicable state and federal laws, rules, and regulations, ensuring confidentiality and data privacy while carrying out AML/CFT responsibilities specific to the role.
Perform duties in an office or home‑office environment, involving tasks such as writing, typing, speaking, lifting moderate weights, and operating office equipment. Reasonable accommodation can be made for individuals with disabilities to perform essential functions.
Travel up to 10%, including but not limited to attending company meetings, training sessions, and corporate events, with travel typically being regional or local based on business needs.
Requirements
Bachelor’s degree from an accredited college or university in a relevant field (e.g., Business, Finance, or related) preferred.
Minimum 3–5 years of related merchant services experience, with a focus on Compliance, Fraud, and/or Risk operations required.
Minimum 1–2 years of experience in merchant acquiring and underwriting.
Strong ability to independently underwrite concurrence applications within approval authority, in alignment with underwriting policies.
Proficient analytical and problem‑solving skills; capable of interpreting complex data and providing meaningful insights.
Proficiency with Microsoft Office Suite (Excel, Word, Outlook) required.
Effective oral, written, and interpersonal communication skills with the ability to apply common sense to carry out instructions, interpret documents, understand procedures, write reports and correspondence, and speak clearly to customers, vendors and employees.
Strong organizational and time‑management abilities with attention to detail.
Proficient teamwork and relationship skills to contribute to cross‑functional collaboration and team success.
Willingness to take on special projects and perform other duties as assigned, beyond core responsibilities, to support team and organizational needs.
Commitment to continuous learning and professional development to stay current with industry standards and best practices.
Ability to maintain authenticity and integrity in all professional interactions, ensuring trust and credibility with stakeholders.
Capable of managing multiple priorities and meeting deadlines in a dynamic environment.
Ability to work independently with minimal supervision and as part of a team.
Proven ability to adapt to changing priorities and procedures.
Current driver’s license and a vehicle with appropriate insurance coverage if required to drive while performing assigned duties and responsibilities.
Salary: $65,000 - $85,000 Annual Salary
Seniority Level: Mid‑Senior level
Employment Type: Full‑time
Job Function: Other
Industries: Banking
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About the Company 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.
Recent Achievements
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
What We Offer
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
Ideal Candidate
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 owners. Be hungry, responsive, and have a sense of urgency.
About The Position The Sponsorship Program Rules Analyst works closely with the Merchant Services Risk and Underwriting teams, as well as the Bank Compliance team, and is responsible for the day‑to‑day operations of compliance and risk within the company’s merchant and acquiring portfolios. This role requires a robust understanding of the Merchant Acquiring space and its direct channel, and will take a strategic approach at how the organization identifies and mitigates risk for our business segment.
Essential Duties
Develop and maintain comprehensive understanding of all Card Brand rules and network regulations related to Payment Acceptance and risk business line activities, ensuring compliance and implementing best practices.
Maintain compliance data and reporting on PCI compliance validation progress across the organization for Merchants, Partners, Vendors and Third Parties.
Communicate with Merchants, ISOs and Card Brands to assist and facilitate resolution of data compromises and security incident response.
Complete Retro Match Searches.
Prepare and submit monthly, quarterly, and annual Card Brand reporting.
Submit ISO and/or merchant registrations as appropriate.
Assist with periodic reviews and portfolio oversight as necessary.
Track status of merchant non‑compliance and follow through to resolution.
Assist with merchant data compromise and security incident response.
Provide guidance and respond to daily inquiries from peers and ISO partners.
Prepare key points for presentation to management pertaining to non‑compliant customers that pose heightened risk to the Bank.
Maintain accurate and thorough documentation and audit trails of merchant assessments, reports, etc. in a timely manner.
Provide updates to internal and external staff and partners related to updates and changes to Regulatory and Card Brand rules.
Ensure Merchant Service Policies and Procedures meet Card Brand rules and regulations.
Assist with preparation of on‑site visitations to third‑party payment processors and coordinate audits performed by the business line, Third Party Risk Management and Financial Crimes Risk Management.
Ensure proper communication and compliance of company and regulatory policies affecting areas managed.
Embodies the TRAC Values and Critical Behaviors (Teamwork, Relationship, Authenticity, Commitment) as core principles, using them to guide daily interactions and decision‑making.
Complete administrative tasks with a sense of urgency, including required Bank Compliance Training. Respond to internal and external inquiries via email, phone, or messaging platforms in a timely and professional manner. Positively represent the Bank through ethical conduct and community involvement.
Demonstrate an understanding of and commitment to EEO policies. Foster a respectful, inclusive workplace by valuing cultural differences, preventing harassment of any kind, and supporting a diverse workforce.
Ensure adherence to all Bank policies, procedures, and processes, along with applicable state and federal laws, rules, and regulations, ensuring confidentiality and data privacy while carrying out AML/CFT responsibilities specific to the role.
Perform duties in an office or home‑office environment, involving tasks such as writing, typing, speaking, lifting moderate weights, and operating office equipment. Reasonable accommodation can be made for individuals with disabilities to perform essential functions.
Travel up to 10%, including but not limited to attending company meetings, training sessions, and corporate events, with travel typically being regional or local based on business needs.
Requirements
Bachelor’s degree from an accredited college or university in a relevant field (e.g., Business, Finance, or related) preferred.
Minimum 3–5 years of related merchant services experience, with a focus on Compliance, Fraud, and/or Risk operations required.
Minimum 1–2 years of experience in merchant acquiring and underwriting.
Strong ability to independently underwrite concurrence applications within approval authority, in alignment with underwriting policies.
Proficient analytical and problem‑solving skills; capable of interpreting complex data and providing meaningful insights.
Proficiency with Microsoft Office Suite (Excel, Word, Outlook) required.
Effective oral, written, and interpersonal communication skills with the ability to apply common sense to carry out instructions, interpret documents, understand procedures, write reports and correspondence, and speak clearly to customers, vendors and employees.
Strong organizational and time‑management abilities with attention to detail.
Proficient teamwork and relationship skills to contribute to cross‑functional collaboration and team success.
Willingness to take on special projects and perform other duties as assigned, beyond core responsibilities, to support team and organizational needs.
Commitment to continuous learning and professional development to stay current with industry standards and best practices.
Ability to maintain authenticity and integrity in all professional interactions, ensuring trust and credibility with stakeholders.
Capable of managing multiple priorities and meeting deadlines in a dynamic environment.
Ability to work independently with minimal supervision and as part of a team.
Proven ability to adapt to changing priorities and procedures.
Current driver’s license and a vehicle with appropriate insurance coverage if required to drive while performing assigned duties and responsibilities.
Salary: $65,000 - $85,000 Annual Salary
Seniority Level: Mid‑Senior level
Employment Type: Full‑time
Job Function: Other
Industries: Banking
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