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Payments Risk Analyst
First International Bank & Trust is seeking a Payments Risk Analyst to help identify, assess, and mitigate risks across our payments environment. This role supports fraud prevention, BSA/AML compliance, and third-party risk management through transaction monitoring, investigations, data analysis, and vendor oversight.
The ideal candidate is analytical, detail-oriented, and interested in protecting customers, partners, and the organization from emerging risks.
Key Responsibilities
- Monitor payment activity and investigate unusual or suspicious transactions.
- Review alerts, support fraud and AML investigations, and escalate concerns as needed.
- Analyze transaction data to identify trends, emerging risks, and control improvements.
- Assist with testing and enhancement of fraud monitoring and AML systems.
- Support the development of procedures, documentation, and risk reporting.
- Conduct due diligence and ongoing monitoring of third-party vendors and payment partners.
- Assist with third-party risk assessments and regulatory compliance activities.
- Participate in special projects and other duties as assigned.
Qualifications
- Associate degree in Finance, Business Administration, Risk Management, or a related field; experience in payments, fraud prevention, BSA/AML compliance, risk management, banking, fintech, or a related field; or an equivalent combination of education and experience.
- Understanding of payment operations, fraud detection, regulatory compliance, or operational risk principles.
- Strong analytical, investigative, organizational, and problem-solving skills.
- Proficiency with Microsoft Office applications, including Excel and Word.
- Experience with ACH, RTP, payment cards, NACHA rules, fraud monitoring systems, AML platforms, or third-party risk management practices preferred.
First International Bank and Trust is a family-owned full-service Community Bank with locations in ND, MN, SD, and AZ.
We show our employees we care by providing competitive benefits and training and growth opportunities. Here are the things we offer within our full-time benefits package:
- Health, Dental & Vision
- 401K Retirement Plan with Employer Match
- Paid Parental Leave
- Life and Disability Insurance
- Generous PTO and Holiday pay
If you are interested in learning more, you can apply or if you have questions before applying you can reach out directly at TalentAcquisition@FIBT.com.
Equal Opportunity Employer