Sponsorship Program Rules Analyst, Merchant Services

Job Type

Full-time

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.

• 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

• 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

• 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.

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.

• 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…