What are the responsibilities and job description for the Bankcard Risk Representative - Underwriting position at Westamerica Bank?
Job Description
Job Description
Description :
Westamerica is among the largest commercial banks headquartered in California. We are looking for outstanding people to join our winning team. We reached our current strength because our employees, customers, and shareholders believe in the same fundamental goals : Delivering a wide variety of financial services with a superior customer service guarantee.
Weekly Working Hours : 40
Under the supervision of the Underwriter supervisor, review applications submitted for adherence to internal underwriting guidelines and standards. Make recommendations for credit line approvals based on identity validation, financial viability, and business requirements. Have the ability to balance business enablement with risk tolerance to make solid business decisions.
Job 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
Skills & Requirements
Working knowledge of the merchant processing and / or payment card industries is preferred."
Requirements :
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