Acceler8Networks is representing a well-established bank in the San Gabriel Valley that is seeking a highly skilled Lending Risk Analyst to support quality assurance and risk-monitoring functions across lending and card operations. The role combines broad QA responsibilities across Credit Card, Mortgage, Collections, and Small Business Loans with a focused, ongoing responsibility for overseeing the bank's Third-Party Service Provider (TPSP) merchant-acquiring relationships in accordance with Visa's Global Acquirer Risk Standards (GARS). This full-time, temp-to-hire role is dependent on job performance, offering the opportunity to transition to permanent status with strong performance and organizational fit.

DUTIES AND RESPONSIBILITIES

Merchant Acquiring / TPSP Oversight Retain and review daily merchant-level data, including gross sales volume, average transaction amount, transaction count, disputes and fraud advices (TC40), purchase returns, and authorization reversals. Compare merchant sales volume and average sales draft amounts against approved levels, using moving averages to identify deviations from normal monthly activity. Conduct monthly reviews of each Third-Party Service Provider's merchant underwriting practices, merchant portfolio performance, and risk-monitoring activities. Review required reporting for TPSPs approved to solicit high-brand risk merchants, including new merchant acquisitions and monthly transaction activity. Escalate merchants or TPSPs that exceed established risk thresholds for further review or relationship exit. Credit Card, Mortgage, Collections & Small Business Loans QA Perform quality assurance and quality control reviews across the bank's credit card issuing, mortgage, collections, and small business lending functions. Validate transaction- and file-level data, supporting documentation, and process adherence against policy and applicable regulatory requirements. Partner with QA leads across business lines to identify errors, trends, and process-improvement opportunities.

REQUIREMENTS

4+ years of QA/QC or analyst experience in credit card, mortgage, collections, or small business lending. Ability to work effectively across multiple product lines and adapt to shifting priorities. Strong Excel skills and experience navigating banking systems and supporting documentation. Highly analytical and detail-oriented, with strong written and verbal communication skills. Experience in merchant acquiring, payment processing, or third-party service provider (TPSP) oversight. Familiarity with card network merchant programs (Visa, Mastercard, American Express). Experience analyzing dispute, chargeback, or fraud-rate data. Senior-level analyst experience.

Pay:

$36.00 - $40.00 per hour

Education:

Bachelor's (Preferred)

Experience:

Merchant Acquiring:

4 years (Preferred)

PCI Compliance:

3 years (Preferred)

Card Network Merchant Programs:

3 years (Preferred) Analyzing dispute, chargeback, or fraud-rate data: 3 years (Preferred)

Credit Card Transaction Analysis:

3 years (Preferred)

Mortgage Analysis:

4 years (Required)

SFR or HELOC Credit Analysis:

4 years (Required) Ability to

Commute:

El Monte, CA 91731 (Required)

Work Location:

In person