New

Sr. Analyst, Credit Risk, ACH, & Merchant Acquiring

First National Bank of Omaha
vision insurance, tuition assistance, 401(k)
United States, Nebraska, Omaha
Apr 27, 2026
At FNBO, our employees are the heart of our story-and we're committed to their success! Please see below the details of this career opportunity and how it fits into our organization's success. Summary of the Job: The Sr, Analyst, Credit Risk is the subject matter expert regarding the monitoring and quality control processes within Credit Risk Administration. The role is accountable for duties including credit related operations across the enterprise, business analysis for both consumer and business lending, and monitoring potentially suspicious activity on customer accounts. About This Role: Duties may include: Perform daily quality control reviews of Consumer Credit Card operations and/or Retail Credit Operations Enhance quality control plans as processes change/adapt to the regulatory environment and as strategies are updated and introduced to the credit and servicing processes Prepare quality control exception reports to determine credit trends and potential issues Forecast and perform trend analysis identifying risks and opportunities by product Investigate fraud scams and recovery of funds from these scams Utilize analysis to train/raise awareness with frontline staff of trending scams and suspicious transaction activity The Ideal Candidate for This Role: Technical Expertise: Sound knowledge of ACH operations, NACHA rules, and ACH credit risk management Strong understanding of merchant acquiring, card processing, and ISO sponsorship models Experience with payment processor relationships and underwriting coordination Expertise in credit analysis, financial statement review, and risk assessment Knowledge of BSA/AML requirements, SAR filing procedures, and compliance frameworks Advanced Excel proficiency for credit analysis and portfolio monitoring Analytical & Communication Skills: Strong analytical and problem-solving abilities with focus on payments risk Excellent business writing skills for credit memos, risk assessments, and compliance documentation Ability to manage multiple underwriting requests and monitoring activities simultaneously Detail-oriented with commitment to accuracy in credit decisioning and documentation Interpersonal Skills: Strong relationship-building with internal partners and third-party processors Excellent oral and written communication at all organizational levels Collaborative approach to cross-functional problem-solving Proven ability to work independently while managing diverse credit portfolios Knowledge, Skills, Education, and Experience: Bachelor's degree in Business, Finance, or related field 3-5+ years of previous experience in the banking or payments industry, with emphasis on ACH and/or merchant acquiring credit risk Lending authority experience in payments or commercial credit Knowledge of ACH operations, merchant processing, and card network regulations Experience with third-party processor relationships Strong understanding of BSA/AML compliance and SAR filing requirements Advanced analytical and risk assessment capabilities Experience developing and maintaining credit policies and procedures. Candidates must possess unrestricted work authorization and not require future sponsorship. Compensation: Compensation range (base pay): $81,662.00-$134,741.00 This role may have a specific starting pay within this range. Final compensation offer to candidate may vary from posted hiring range based upon work experience, education, and/or skill level. Work Environment: It is anticipated that the incumbent in this role will work in a hybrid capacity, balancing in-person collaboration three (3) days a week with remote flexibility two (2) days a week. As part of our team, you'll experience the energy and relationship-building of face-to-face collaboration while still enjoying the flexibility of remote workdays. We provide the tools and technology to ensure seamless transitions between work environments, supporting your productivity wherever you are. Please note that work location is subject to change based on business needs. Benefits Overview: We offer a variety of benefits designed to keep you and your family physically and financially healthy. Not only do we offer a competitive salary and work-life balance, we offer benefits to match your needs: Medical, Dental, Vision Insurance 401k, With Matching Contributions Time Off Programs Health Savings Account (HSA)/Dependent Care Employee Banking Growth Opportunities Tuition Assistance Short-Term/Long-Term Disability Insurance Learn more about FNBO benefits here: https://www.fnbo.com/careers/benefits/. For additional information regarding compensation and benefits, e-mail FNBO at TAGAdmin@fnni.com. To ensure you receive a response, include the number of this job (listed below) in the subject line of your message. Job number: R-20260676 Equal Opportunity & Belonging: FNBO believes that the quality of our employee experience is at the heart of our customer experience. One key pillar of our intended employee experience is Belonging. Belonging means we are committed to fostering a workplace culture where employees of all backgrounds feel valued, recognized, and empowered to be their authentic selves-no matter their role or where they are in their journey. Learn more here. FNBO is an equal opportunity employer for all employees and applicants and makes employment decisions without regard to status or identity. Click here to download 'EEO is The Law' Self-Print Poster Click here to download 'EEO is The Law' Supplement for Federal Contractors Click here to download 'EEO is The Law' GINA Supplement FNBO is an Equal Opportunity/Affirmative Action/Veterans/Disability Employer - Member FDIC FNBO follows federal law regarding the use of marijuana (this applies to all non-California applicants) Application Deadline: All our jobs will be posted for a minimum of 5 calendar days. Job postings may come down prior to 5 calendar days based on volume of applicants.