Transaction Risk Platform & Strategy Analyst-Consumer and Small Business Credit (Merchant) Charlotte, North Carolina;Newark, Delaware; Phoenix, Arizona

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• Job Description:

• At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection.

We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work and providing a culture of caring is core to how we drive Responsible Growth. We are intentional about fostering an inclusive workplace where every teammate has the opportunity to succeed, build a career and contribute to our shared success. This includes attracting and developing exceptional talent, recognizing and rewarding performance, and supporting our teammates' physical, emotional, and financial wellness through affordable, competitive and flexible benefits. We value the unique perspectives individuals bring from all backgrounds and career paths

• whether shaped by military service, community college education, or a wide range of work and life experiences.

These journeys foster resilience, leadership and innovation, strengthening our workforce and positively impact the communities we serve. Bank of America is committed to an in-office culture that supports collaboration, engagement, and career development. Our approach includes clear in-office expectations, while providing an appropriate level of flexibility based on role-specific responsibilities and business needs. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!

• Job Description:

• This job is responsible for supporting credit analysts and relationship managers in underwriting and servicing specialized credit products.

Key responsibilities include expertise in product functionality and user experience as well as handling more complex inquiries, contributing to product improvement feedback loops, and training initiatives. Job expectations include coaching entry-level product specialists. This role sits within the

• Merchant Services Credit & Transactional Risk organization
• , on the
• Strategies, Models & Enablement team
• , and offers an exciting opportunity to work at the intersection of
• platform execution, risk strategies and transaction monitoring technology.
• The successful candidate will play a key role in safeguarding the integrity of Transaction Risk Monitoring platforms, ensuring that case management platforms and rules engines operate accurately, consistently and at-scale.

This role is ideal for a highly motivated individual with a passion for technology, risk management and building automated processes. The selected candidate will partner closely with technology, line-of-business, and strategy teams, supporting both integrated and independent release cycles through UAT and regression testing. This role offers meaningful opportunities to grow into more advanced analytical and strategy responsibilities based on demonstrated performance.

• Primary Responsibilities
• + Perform User Acceptance Testing (UAT) and regression testing for Transaction Risk Monitoring platforms and rules engines to ensure accuracy, stability, and alignment with business requirements + Validate rule logic, data inputs, and system outputs to confirm end-to-end integrity of risk decisioning + Identify, document, and help resolve defects, inconsistencies, or gaps in system behavior + Partner closely with technology teams to support platform enhancements, releases, and ongoing system performance + Contribute to the continuous improvement of testing frameworks and processes, with a focus on scalability and efficiency + Identify and help implement opportunities to automate testing, monitoring, and control processes, reducing manual effort and improving consistency + Support the development of repeatable, scalable testing and validation frameworks + Contribute to broader process transformation initiatives, leveraging technology to improve speed, quality, and control + Support the implementation and execution of transaction risk rules and strategies, ensuring accurate deployment within monitoring platforms + Partner closely with risk strategy, analytics, and technology teams to ensure alignment between business intent and system execution + For high-performing candidates, contribute to strategy refinement and rule development over time •Required Qualifications•+ Demonstrated analytical mindset with strong attention to detail and problem-solving ability + Experience and proficiency working with data, systems, or testing environments + Experience and proficiency working with tools such as SQL, Python, SAS, or similar is highly desirable + Proven experience and demonstrated success in automation, scripting, and process optimization + Strong interest in technology platforms, rules engines, and system-driven decisioning + Ability to work independently in a fast-paced, dynamic environment with evolving priorities + Strong communication skills, with the ability to clearly document findings and collaborate across teams + Self-starter with a strong sense of ownership and curiosity •Desired Skills•+ Experience or exposure to UAT, regression testing, or system validation processes + Familiarity with risk management, fraud detection, or transaction monitoring concepts + Exposure to rules-based engines or decisioning platforms + Experience working in financial services, payments, or fintech environments + Bachelor's degree in a quantitative or technical field such as mathematics, statistics, computer science, engineering, economics, or finance (or equivalent practical experience) •

Skills:

• Attention to Detail
• Collaboration
• Collateral Management
• Data Collection and Entry
• Due Diligence
• Data and Trend Analysis
• Issue Management
• Monitoring, Surveillance, and Testing
• Problem Solving
• Recording/Organizing Information
• Active Listening
• Adaptability
• Audit Planning
• Fraud Management

• Minimum Education Requirement:

• High School Diploma / GED / Secondary School or equivalent

• Shift:

• 1st shift (United States of America)

• Hours Per Week:

• 40 Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws.

The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates. View your "Know your Rights (https://www.eeoc.gov/sites/default/files/2023-06/22-088\_EEOC\_KnowYourRights6.12.pdf) " poster. View the LA County Fair Chance Ordinance (https://dcba.lacounty.gov/wp-content/uploads/2024/08/FCOE-Official-Notice-Eng-Final-8.30.2024.pdf) . Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy ("Policy") establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank's required accommodation request process before your first day of work. This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason. Investment products offered through MLPF&S and insurance and annuity products offered through

MLLA:

• Are Not FDIC Insured
• Are Not Bank Guaranteed
• May Lose Value
• Are Not Deposits
• Are Not Insured by Any Federal Government Agency
• Are not a condition to Any Banking Service or Activity
• Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as "MLPF&S" or "Merrill") makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation ("BofA Corp."). MLPF&S is a registered broker-dealer, registered investment adviser,
• Member SIPC
• and a wholly owned subsidiary of BofA Corp.

Insurance and annuity products are offered through Merrill Lynch Life Agency Inc., a licensed insurance agency and wholly owned subsidiary of Bank of America Corporation. Trust, fiduciary and investment management services are provided by Bank of America, N.A., Member FDIC and wholly owned subsidiary of Bank of America Corporation ("BofA Corp."). Bank of America Private Bank is a division of Bank of America, N.A. Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation. © 2026 Bank of America Corporation. All rights reserved.