Jack Henry & Associates    Senior Credit Risk Analyst    Birmingham ,  Alabama     Apply Now    Press space or enter keys to toggle section visibilityJobID14378TeamBusiness OperationsWorking TimeFull-TimePosition TypeRegularTravel Requirements0%Workplace TypeHybridPreferred LocationAdditional LocationsAllen, TX, Alpharetta, GA, Birmingham, AL, Branson, MO, Cedar Falls, IA, Charlotte, NC, Houston, TX, Lenexa, KS, Monett, MO, Shawnee, KS, Springfield, MODescription & RequirementsPress space or enter keys to toggle section visibilityAt Jack Henry, we deliver technology solutions that are digitally transforming and empowering community banks and credit unions to provide enhanced and streamlined user experiences to their customers and members. Our best-in-class products are just the start as we lay the groundwork for the future of digital banking and payments. We hope you'll join us. We can't do it without you.The Credit Analyst for the Enterprise Payments Solutions team is essential to the success of the organization. You will be working individually as part of a team of dedicated analysts in a high-stress, high-volume environment processing merchant applications, gathering, and verifying business and credit information to recommend approval or decline of new applications as well as credit (transaction velocity) limits. You will partner with merchant clients, independent sales organizations (ISO), value-added resellers (VARs), and financial institutions.This position will work remotely from the US.What you'll be responsible for:Processes merchant services applications; verifies business and credit information and recommends transaction velocity limits.Complies with KYC, OFAC, and BSA/AML rules and regulations.Monitors and communicates risk concerns to management.Interacts with regular and complex merchant clients, ISOs, VARs, Referral Banks, and the ODFI (Originating Depository Financial Institution) to carry out these responsibilities.Maintains client database to facilitate process flow, reporting, and analysis.Trains Credit Risk Analysts on risk management systems, processes, policies and procedures, and regulatory compliance.Assists with determining needed risk management system enhancements and serves as a resource for determining and validating proposed system enhancements.Monitors portfolio of existing merchant accounts for transaction risk, the decline in financial condition, and other derogatory indicators. Communicate concerns to management.Reviews and approves changes to merchant accounts, including but not limited to ownership changes, new bank accounts, locations, and modifying transaction velocity settings based on customers business needs and risk mitigation.May be required to interact with internal and external auditing groups to ensure risk and regulatory compliance.May perform other job duties as assigned.What you'll need to have:A minimum of 6 years of experience working in credit risk underwriting, merchant underwriting, OR commercial/credit lending analysis, or account analysis within a financial institution or payment services industry.Bachelor's degree or 8 years of additional required experience in lieu of a degree for a total of 14 years experience.Must have the flexibility and willingness to work outside of standard business hours as business needs dictate.Must be a self-starter who can add value by driving process-related decisions while working independently.What would be nice for you to have:Master's degree in Finance, Accounting, or AAP, CFE, or CAMS Certification.Strong knowledge of BSA, AML, KYC, and OFAC.Familiar with Experian Business Reports, and/or LexisNexis.Proven Experience in merchant credit underwriting.If you got this far, we hope you're feeling excited about this opportunity. Even if you don't feel you meet every single requirement on this positing, we still encourage you to apply. We're eager to meet motivated people who align with Jack Henry's mission and can contribute to our company in a variety of ways.Why Jack Henry?At Jack Henry, we pride ourselves through our motto of, 'Do the right thing, do whatever it takes, and have fun.' We recognize the value of our associates and believe much of our company's strength and success depends on their well-being.We demonstrate our commitment by offering outstanding benefit programs (https://careers.jackhenry.com/yourexperience#our-benefits-anchor) to ensure the physical, mental & financial well-being of our people is always met.Culture of CommitmentAsk our associates why they love Jack Henry, and many will tell you it is because our culture is exceptional. We do great things together. Rising to meet challenges and seeking opportunities is part of who we are as an organization. Our culture has helped us stay strong through challenging times and we credit our dedicated associates for our success. Visit our Corporate Responsibility (https://discover.jackhenry.com/corporate-sustainability) site to learn more about our culture and commitment to our people, customers, community, environment, and shareholders.At Jack Henry, we know we are better together. We value, respect, and protect the uniqueness each of us brings. Innovation flourishes by including all voices and makes our business - and our society - stronger. Jack Henry is an equal opportunity employer and we are committed to providing equal opportunity in all of our employment practices, including selection, hiring, performance management, promotion, transfer, compensation, benefits, education, training, social, and recreational activities to all persons regardless of race, religious creed, color, national origin, ancestry, physical disability, mental disability, genetic information, pregnancy, marital status, sex, gender, gender identity, gender expression, age, sexual orientation, and military and veteran status, or any other protected status protected by local, state or federal law.No one will be subject to, and Jack Henry prohibits, any form of discipline, reprisal, intimidation, or retaliation for good faith reports or complaints of discrimination of any kind, pursuing any discrimination claim, or cooperating in related investigations.Requests for full corporate job descriptions may be requested through the interview process at any time.#J-18808-Ljbffr<p>by Jobble</p>

The Bank sponsors individuals for TN and H-1B transfers on a case by case basis. Please note that this position is not open to anyone on an F-1 student visa including those eligible for CPT/OPT or the Stem OPT extension.This role offers a hybrid work schedule; offering the flexibility to work from home two days a week, while providing the opportunity for in-person collaboration.This position is available in Buffalo, NYAbout M&T BankAt M&T Tech, were a team of makers, doers, and builders, working to create the most advanced technology solutions in banking. Were not your stereotypical suit and tie bankers: were an innovative team of leading tech experts, pushing boundaries, and taking risks. Were building an agile team of the most skilled and creative workers to solve complex problems, architect solutions, write high-performance software, and chart our new path, all to make the lives of our customers, and the communities that we serve, better. Join us and be part of something new as we build tomorrows bank, today.Overview:Supports a Cybersecurity risk management and governance practice focused on Cybersecurity risk assessments, First Line of Defense and controls testing strategy, development and maintenance of Cybersecurity policies and standards, evaluation of Cybersecurity legal and regulatory requirements, development and execution of the Cybersecurity awareness program, and/or development and execution of the Cybersecurity Risk Management Program.Primary Responsibilities:Knowledge of IAM governance framework that aligns with industry best practices, regulatory requirements, and organizational policies.Working Knowledge of Role-Based Access Control (RBAC) models, mapping roles and responsibilities to access privileges, segregation of duties (SoD) and least privilege principles and enterprise level IDAM methodologies.Maintain current knowledge of the Bank's Cybersecurity and Risk management policies, standards and procedures as well as industry best practices and proposed new guidelines and regulations.Identify and evaluate Cybersecurity risk to the business and drive development of strategies to mitigate identified risks based on diverse factors including the organizations overall risk appetite and tolerance.Provide current data for key risk indicators (KRIs) and key performance indicators (KPIs). Present results to risk committees. Review current KRI's and KPI's, recommend enhancements to management and present recommendations to risk committees.Understand and adhere to the Companys risk and regulatory standards, policies and controls in accordance with the Companys Risk Appetite. Identify risk-related issues needing escalation to management.Promote an environment that supports diversity and reflects the M&T Bank brand.Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable.Complete other related duties as assigned.Scope of Responsibilities:This position requires regular interaction with non-management, middle management, certain senior management, and business units and partners. This position also requires occasional interaction with the Chief Information Security Officer.This role is used in one or more of the following ways:Risk Assessment - Design and develop Cybersecurity risk assessments based on subject matter expertise and industry best practices. Execute risk assessments, analyze results, recommend and implement remediation plans to address defined risks. Present recommendations to area management and various risk committees. Work with other areas of Cybersecurity to define and document controls associated with identified risks.Controls Testing Design - Develop, document and maintain the Bank's Cybersecurity controls testing program and plan. Confirm the program aligns with Cybersecurity policies and standards, Risk Management policies and regulatory requirements.Policy and Standards - Research, recommend, and develop new Cybersecurity policies and standards based on the Banks strategic direction and aligned with legal and regulatory requirements and industry best practices. Present recommendations to area management and various risk committees for approval. Update and enhance existing Cybersecurity policies and standards as needed.Regulatory - Review assigned regulatory notifications to identify impact to organization. Discuss results with stakeholders and develop recommendations along with associated action plans to address gaps. Summarize results, recommendations and action plans and present to management and various risk committees. Lead efforts to address action plans.Risk Management Program  Design and develop the Cybersecurity Risk Management program, ensure proper alignment with bank policies and procedures. Analyze program results, recommend enhancements. Present recommendations to area management and various risk committees. Work with other areas of Cybersecurity to define and document key risks and controls.Education and Experience Required:Associates degree and a minimum of 7 years relevant work experience, or in lieu of a degree, a combined minimum of 9 years higher education and/or work experience, including a minimum of 7 year relevant work experienceExcellent knowledge of Cybersecurity principles relevant to confidentiality, integrity, availability, authentication and non-repudiationProven ability facilitating targeted discussions with peers, line managers and senior management within business unitExperience conducting research and evaluating information for reliability, validity, objectivity and relevanceExcellent ability communicating complex information, concepts or ideas in a confident and well-organized manner through verbal, written and/or visual meansExperience conducting information searchesExcellent ability to discern protection needs (i.e., security controls) of information systems and networksProven ability to design and develop effective risk management processes (e.g., methods for assessing and mitigating risk)Experience recognizing vulnerabilities in security systemsExcellent ability designing valid and reliable assessmentsExperience conducting knowledge mappingExperience anticipating new security threatsEducation and Experience Preferred:Bachelor's degreeCertified Information Systems Security Professional (CISSP) or Certified Risk and Information Systems Control (CRISC) certification or Cybersecurity domain-related industry-recognized certificationKnowledge of organization's risk tolerance and/or risk management approachKnowledge of organizational security policiesM&T Bank is a Top 10 US bank holding company and one of the best performing and financial stable regional banks in the country, we offer our technology employees a wide range of performance-based career development opportunities. We have a strong commitment to our customers and the communities we serve, and we continue to grow with a focus on the future. So, when looking to advance your career, look to M&T. Grow with us.Hiring Immediately.We support our team members with generous benefits.Competitive compensationHealth, welfare, and retirement benefits401(k) match at 5%Work-life balance and flexible work arrangementsUp to 25 days PTO plus 12 paid holidays#MTBTechCareers, #MTBCareers #MTBTechLife & #MTBTechHub #CybersecurityJobs #InfosecJobs #CybersecurityCareer #Hiring #JobOpening #ITJobs #TechJobs #CISSP #Cybersecurity #cybersecuritysolutions #cybersecurityarchitecture #securitymanagement #informationsecurity #cybersecurityleadership #securitysolutions #cybersecuritystrategy #cybersecuritymanagement #securearchitecture #ITsecuritysolutions #networksecurity #cybersecurityprofessional #securityconsulting #securityassessment #cybersecurityteam #riskmanagement #datasecurity #cloudsecurity #cybersecurityawareness #cybersecurityexpertM&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $97,869.52 - $163,115.87 Annual (USD). The successful candidates particular combination of knowledge, skills, and experience will inform their specific compensation.Location:Buffalo, New York, United States of AmericaM&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.#J-18808-Ljbffr<p>by Jobble</p>

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