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Merchant Acquiring Analyst

Cross River

Cross River

Fort Lee, NJ, USA
Posted on Thursday, March 10, 2022

Who We Are

Cross River is a highly profitable, fast-growing financial technology company powering the future of financial services. Our comprehensive suite of innovative and scalable embedded payments, cards, and lending products deliver financial services for millions of businesses and consumers around the globe. Cross River is backed by leading investors and serves the world’s most essential fintech and technology companies. Together with its partners, Cross River is reshaping global finance and financial inclusion.

We are on a mission to build the infrastructure that propels access, inclusion, and the democratization of financial services. While our company has tripled in size over the last three years, our strong sense of purpose led Cross River to be named to American Banker’s list of Best Places to Work in Fintech for the last 6 years. The reason for this success is simple – our nimble and collaborative family culture lives in every member of our growing team. Together we are at the forefront of technology and innovation, and we invite passionate, collaborative, and motivated high performers to join our expanding team.

What We’re Looking For

Cross River is seeking a Payment expert with deep understanding of banking operations, card payment systems, issuing and acquiring. This person will be responsible for managing card processing services for a range of e-commerce and retail products and perform daily monitoring to detect deviation from the parameters set by the Bank.

The IPR Operations Analyst will also perform a detailed review of agreements to ensure consistency with the Bank’s policies and procedures and will assist in ensuring compliance with changes in the Bank’s strategy or LOBs. The candidate will also be responsible for assisting with the Bank’s policies and procedures and will assist in ensuring compliance with changes in Federal Regulations.


  • Coordinate the operational activities to ensure compliance with all federal and state laws, as well as organizational policies, procedures, and processes, including (but not limited to) those related to the CARD Act, CARD BRAND rules, Regulation E, the Bank Secrecy Act (BSA), Identity Theft Red Flags, and Office of Foreign Assets Control (OFAC) to mitigate any potential legal risks and prevent any unfavorable exposure to the Bank Complies
  • Provide support to cross functional teams in reviewing Third Party Agents to identify the opportunities and risks of the business; sets forth a plan for managing the line of business and controlling its risks; and considers the operational integrity as it relates to the Bank’s policies and procedures
  • Oversee the day-to-day operations of Third Party Agents’ Merchant Monitoring Programs, including investigating merchant activity and analyzing various reports to identify trends or activity that require additional research to mitigate loss within the Third Party Agents’ portfolio
  • Must have professional experience in the card payment industry and be familiar with, charge back, exception management, risk, and fraud detection
  • Expansive knowledge of e-commerce and retail card transactions, merchant billing methods, interchange, network fees, statement analysis, pricing models, analyzes card fraud loss data to identify trends and develops strategies to proactively minimize future exposures and losses
  • Working knowledge of traditional banking systems, for example: debit and credit card issuing, processing, ACH, wires, and ATM
  • Train clients on Bank’s policies and procedures, identify issues with deviation, escalate and provide a resolution plan to the management team
  • Manage team workload to ensure all incidents, issues and requests are prioritized, assigned, resolved and/or acted on in a timely manner; and ensure all incidents and issues have their root causes identified where possible
  • Able to manage ad hoc project task and meet deadlines on project timelines
  • Accurately assesses the impact of a critical/major incident, and provide communication for distribution to appropriate parties with solutions on how to resolve the incident
  • Track and update all incidents in the incident management system, ensuring that documentation is thorough, accurate and meets ticket quality standards
  • Follow documented operations processes and resolution/escalation procedures, possess the analytical ability to independently resolve routine problems, and update any procedures accordingly if changes need to be implemented
  • Maintain technical skills through participation in on the job training and recommended training classes
  • Proficiency in analyzing and isolating anomalies presented via standard alerting utilizing a variety of hardware and software testing tools and techniques. Assist to provide or suggest solutions for the anomalies


  • 3+ years banking, payment, and/or card industry experience including experience with Card Brand rules and regulations or risk management
  • Experience working with high risk merchant verticals and enhanced monitoring of higher risk merchant verticals preferred
  • College degree preferred
  • Strong Microsoft Office skills
  • Excellent interpersonal and customer service abilities
  • Ability to work effectively in a multi-task, high-volume environment
  • Able to manage ad hoc project task and meet deadlines on project timelines
  • Excellent organizational skills
  • Analytical mindset with strong problem-solving skills
  • Ability to learn products /services and apply knowledge
  • Excellent oral and written communications skills
  • Ability to perform job functions accurately and with attention to detail
  • Maintain confidential customer and Bank information in a responsible and secure manner


Salary Range: $50,000.00 - $80,000.00

Cross River is an Equal Opportunity Employer. Cross River does not discriminate on the basis of race, religion, color, sex, gender identity, sexual orientation, age, non-disqualifying physical or mental disability, national origin, veteran status or any other basis covered by appropriate law. All employment is decided on the basis of qualifications, merit, and business need.

By submitting your application, you give Cross River permission to email, call, or text you using the contact details provided. We will only contact you with job related information.