Sr. Ethics, Risk and Compliance Specialist in F5's Compliance team ensuring adherence to compliance standards and driving data analytics initiatives.
About the role
- Merchant Acquiring Risk & Compliance Manager ensuring compliance with card network rules for merchant acquiring and PayFac programs. Collaborating across teams for compliance and risk management.
Responsibilities
- Monitor and interpret Visa, Mastercard, American Express, and Discover operating regulations, ensuring timely implementation of rule changes affecting merchant acquiring and PayFac programs.
- Assess merchant acquiring products, PayFac structures, and transaction flows for adherence to card network requirements, including:
- - Merchant onboarding and underwriting standards.
- - MCC assignment and monitoring.
- - Prohibited and high‑risk merchant activity.
- - Payment facilitator and ISO sponsorship requirements.
- Serve as a subject matter expert for card network compliance inquiries from business, operations, and partner teams.
- Conduct periodic card network risk assessments covering operational, compliance, and reputational risk.
- Support development and maintenance of key risk indicators (KRIs) related to merchant acquiring.
- Monitor network‑defined risk programs and escalate issues as appropriate.
- Track, investigate, and remediate card network compliance findings, rule violations, or partner deficiencies.
- Collaborate with operations and product teams to implement sustainable remediation and control enhancements.
- Support oversight of ISOs, PayFacs, payment processors, and other acquiring‑related third parties.
- Maintain and enhance card network compliance policies, procedures, and control documentation.
- Provide guidance and training to internal teams on card network rules and merchant acquiring risk.
Requirements
- Bachelor’s degree in Finance, Risk Management, Compliance, Business, or a related field.
- 3–6+ years of experience in merchant acquiring, payments compliance, card networks, or financial institution risk management.
- Working knowledge of Visa and Mastercard operating regulations (AmEx and Discover a plus).
- Understanding of merchant acquiring structures, including:
- - Direct merchant models
- - ISOs
- - Payment Facilitators / Sub‑merchant models
- Experience supporting exams, audits, or card network reviews.
- Strong analytical, documentation, and issue‑management skills.
- Attention to detail and strong regulatory interpretation skills.
- Ability to translate network rules into practical business controls.
- Sound judgment and risk‑based decision making.
- Clear and concise written communication.
- Ability to manage multiple priorities in a fast‑changing payments environment.
Benefits
- **BENEFITS**
- Medical, dental, vision
- 401(k) with employer match
- Life and long-term disability coverage
- HSA and FSA plans
- Holidays and paid time off requests
- Robust wellness program (we’re talking catered meals three times a weeks, lunch and learns, and onsite gym.)
Job title
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