Risk Analyst Lead
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Job Location:
Los Angeles, CA - USA
Yearly Salary:
$ 70000 - 80000
Posted on:
2 days ago
Vacancies:
1 Vacancy
Job Summary
Risk Analyst Lead
Location:Los Angeles CA
Job Type: Full-Time Exempt Eligible Remote
Salary Range:$70000 $80000 per year
About Commercial Bank of California
Commercial Bank of California (CBC) is the largest Latino-owned bank in California and a certified Minority Depository Institution (MDI). Headquartered in Irvine and founded in 2003 CBC is one of the largest privately held banks in the state with over $3.5 billion in assets as of December 2025.
We are a purpose-driven financial institution committed to building long-term relationships and delivering innovative personalized banking solutions. Our leadership reflects the diverse communities we serve and our mission is rooted in empowering entrepreneurs business owners and community leaders to thrive.
As a certified MDI CBC is proud to play a vital role in advancing financial inclusion and economic opportunity. We believe in a higher vision for bankingone that prioritizes trust collaboration and community impact. Join us and be part of a team thats redefining what it means to be a community-focused relationship-driven bank that puts people over profits.
Job Summary
We are seeking a detail-oriented and driven Payments Risk Analyst Lead to join our team and play a key role in protecting and strengthening our ACH and BankCard this position you will lead first-line risk monitoring and analysis across Third-Party Payment Processors (TPPPs) and merchant accounts helping to identify potential fraud reduce exposure and support sound risk decisions. This is a great opportunity for a strategic thinker who enjoys solving complex problems working cross-functionally and making a meaningful impact in a fast-paced payments environment. The ideal candidate brings strong analytical skills sound judgment and a proactive approach to staying ahead of industry rules trends and regulatory changes.
Essential Duties and Responsibilities
Lead Merchant and TPPP Risk Reviews
- Lead reviews of high-risk merchant accounts and prepare clear well-supported recommendations for Underwriting/Risk.
- Conduct TPPP due diligence reviews develop exposure worksheets and present findings to support informed risk decisions.
- Analyze transaction activity and supporting documentationincluding invoices receipts proof of authorization and client agreementsin the context of each merchants business model and processing history.
- Engage directly with merchants through interviews and outreach to assess unusual activity clarify concerns and identify potential fraud risks.
Drive Monitoring Exceptions and Investigations
- Monitor daily monthly and quarterly portfolio exception reports to identify emerging risks reduce exposure and escalate suspicious activity when needed.
- Review merchant processing activity for parameter violations exceptions and unusual behavior and initiate risk reviews in response.
- Investigate questionable transactions by analyzing activity patterns chargebacks returns exceptions and changes in deposit behavior.
- Gather transaction data and supporting documentation to validate activity resolve concerns and strengthen risk assessments.
Strengthen Risk Policies Controls and Continuous Improvement
- Help shape and implement scalable risk policies procedures and guidelines that support ACH and BankCard program growth.
- Partner with Underwriting/Risk and the Director of Payments Solutions to enhance processes strengthen controls and support policy updates.
- Track risk levels through ongoing reviews of processing parameters chargebacks abnormal trends and other key risk indicators.
- Respond to internal and external inquiries related to risk concerns and transaction trends with professionalism clarity and sound judgment.
Collaborate Across Key Partners
- Underwriting/Risk to support high-risk account recommendations approvals and ongoing risk evaluation.
- Payments Operations to coordinate remediation efforts operational follow-through and documentation.
- BSA/AML/Compliance as needed to escalate and address suspicious activity indicators.
- TPPPs and merchants to request information review documentation and address risk-related matters.
Minimum Qualifications
Required:Bachelors degree in business administration/ finance Accounting or related field and 5 years related experience.
Education/Training/Experience
- Required: Minimum of 5 years experience in Payments Solutions (ACH and/or BankCard).
- Preferred: Bachelors degree in Business Administration Finance or a closely related field.
- Plus: 3 years of banking experience and/or BSA experience.
Knowledge Skills & Abilities
- Knowledge of banking laws bank policies/procedures and regulations applicable to payments.
- Payments experience (ACH or BankCard) strongly preferred; understanding of merchant business models and processing risk signals.
- Strong investigative analytical and problem-solving skills; excellent attention to detail.
- Ability to multitask prioritize and manage projects to completion within deadlines.
- Proficiency in Microsoft Office (Excel Word PowerPoint Outlook).
- Excellent communication skills (written and verbal) with the ability to communicate risk concerns to varied audiences.
- Ability to utilize AI solutions such as CoPilot appropriately and effectively.
- Research and analysis techniques to resolve issues
- Ability to work effectively in a team or independently
Licenses/Certificates
- AAP (Accredited ACH Professional) or similar certification preferred but not required.
Benefits & Perks
- Competitive employer contribution to medical dental and vision coverage
- 401k plan with employer match
- Flexible Spending Accounts (FSA) and Dependent Care Accounts
- Employee Assistance Program (EAP)
- Employer provided Calm subscription
- Employer provided mental health benefits through Teladoc
- Life AD&D and disability insurance
- Minimum 15 Days of Vacation 11 Paid Federal Holidays Paid Time off to Volunteer
- Online discount program
- Tuition Reimbursement Program
Join Our Team!
- Submit your resume toApply to Your Position Here
Equal Employment Opportunity & Accommodations
Commercial Bank of California is proud to be an Equal Employment Opportunity employer. We are committed to creating an inclusive environment for all employees and applicants. All qualified individuals will receive consideration for employment without regard to race color religion sex sexual orientation gender identity or expression national origin disability protected veteran status or any other legally protected characteristic.
We evaluate applicants fairly and equitably including those with criminal histories in accordance with applicable federal state and local laws.
Commercial Bank of California is also committed to providing reasonable accommodations to individuals with disabilities. If you require a reasonable accommodation during the application or interview process please contact us at with the nature of your request and your contact information.
Recruitment Policy
Commercial Bank of California does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to CBC either directly or indirectly will be considered the property of Commercial Bank of California.
We will not pay a fee for any placement resulting from the receipt of an unsolicited resume. To submit candidates for consideration recruiting agencies must have a valid written and fully executed agreement with Commercial Bank of California. Without such an agreement in place no agency submissions will be accepted or compensated.
Required Experience:
IC
