Merchant Services Underwriter

Company: FFB Bank
Location: Fresno
Posted on: March 19, 2026

Job Description:

About FFB Since opening our doors in 2005, FFB Bank has focused on one mission: to help businesses, professionals, and successful individuals reach their goals through personalized service and flexible financial solutions. As one of the top-performing community banks in the nation, FFB offers a full range of banking services, including business and personal accounts, specialized lending, and modern payments solutions. What It’s Like to Work Here We believe our people are our greatest asset. That’s why we foster a supportive, collaborative workplace where employees are empowered to grow, contribute ideas, and make a real impact. Highlights include: - Employee ownership through our ESOP program - A collaborative, close-knit culture - Opportunities to participate in community and networking events Benefits: - Medical, dental, and vision coverage - Life insurance - Paid vacation - 401(k) retirement plan - Training & development opportunities - Tuition reimbursement - Employee Assistance Program - Internal job postings and referral program Our Values At FFB, we live by our core values: Teamwork, Relationship, Authenticity, and Commitment (TRAC). Our team members bring these values to life by collaborating with colleagues, building trust with clients, communicating openly, and taking pride in doing amazing work every day! About the Role The Merchant Services Underwriter will review and analyze merchant applications and accounts to assess their risk exposure and creditworthiness. In addition to initial underwriting, this role will support concurrence reviews, ongoing oversight of ISO partner portfolios, and other responsibilities as assigned. The Underwriter will apply established policies and guidelines to help safeguard the Bank from financial and reputational risk. Essential Duties: - Conducts thorough credit and risk assessments of merchant applications, including evaluation of consumer credit reports, identity and fraud screenings (e.g., TIN/OFAC, address and bank verification), and analysis of application data using internal and external underwriting tools. - Demonstrates a strong understanding of credit/risk rating scales, underwriting policies, card network rules, and regulatory requirements to accurately assess merchant eligibility and mitigate risk. - Maintains accurate and timely review documentation in internal systems and takes appropriate action on merchant accounts based on risk assessment findings. - Monitors merchant risk review queues and processing behavior to identify content-related risk and ensure adherence to card brand, reputational, and compliance standards. - Performs due diligence reviews of merchant accounts and ISO-submitted files to ensure compliance with underwriting and onboarding standards. - Performs quality assurance reviews and supports process improvement by identifying gaps and ensuring adherence to underwriting guidelines. - Develops and maintains process documentation to support consistency, audit readiness, and training. - Manages internal and external communications related to underwriting and risk, including responding to inquiries, supporting partners, collaborating with sales teams, and engaging merchants to resolve pending items. - Embodies the TRAC Values and Critical Behaviors (Teamwork, Relationship, Authenticity, Commitment) as core principles, using them to guide daily interactions and decision-making. - Completes administrative tasks with a sense of urgency, including required Bank Compliance Training. Responds to internal and external inquiries via email, phone, or messaging platforms in a timely and professional manner. Positively represents the Bank through ethical conduct and community involvement. - Demonstrates an understanding of and commitment to EEO policies. Fosters a respectful, inclusive workplace by valuing cultural differences, preventing harassment of any kind, and supporting a diverse workforce. - Ensures 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 (Anti-Money Laundering and Countering the Financing of Terrorism) responsibilities specific to the role. - Performs duties in an office or home office environment, involving tasks such as writing, typing, speaking, lifting moderate weights, and operating office equipment. The position requires physical activities like sitting, walking, and reaching. Reasonable accommodation can be made for individuals with disabilities to perform essential functions. - Travels 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. Compensation details: 68500-85000 Yearly Salary PI1eaa2e754fa1-37156-40006025

Keywords: FFB Bank, Delano , Merchant Services Underwriter, Accounting, Auditing , Fresno, California