Payment Network Compliance Analyst (Visa/Mastercard/Discover)

Description Payment Network Compliance Analyst (Visa/Mastercard/Discover) Merchant Compliance | Sponsorship Oversight | Acquiring About This Role Citizens is seeking a Payment Network Compliance Analyst to support our sponsorship oversight program within the Payments Risk organization. This role is responsible for ensuring adherence to Visa, Mastercard, and Discover network rules across merchant and third-party relationships. This is a hands‑on, execution‑focused role—not a traditional vendor risk/GRC position. The work is case‑driven, detail‑heavy, and high‑volume, requiring strong judgment, documentation accuracy, and follow‑through. What You’ll Do Review and manage merchant compliance cases, including network violations, inquiries, and escalations. Support third‑party agent (TPA), including network registrations. Ensure compliance with Visa, Mastercard, and Discover rules and programs. Maintain audit‑ready documentation for all compliance activities and submissions. Track, prioritize, and resolve multiple active cases simultaneously. Partner with internal teams (Payments, Risk, Compliance) to investigate and resolve issues. Identify and elevate potential risks or non‑compliant merchant activity. Support reporting and tracking using Excel and internal case management tools. What We’re Looking For (Required) Direct experience in payment network compliance (Visa, Mastercard, Discover) or merchant acquiring/sponsor bank environment. Experience with merchant registrations or violations handling. Experience managing case‑based compliance work (tracking, investigation, resolution). Experience with regulatory or network‑driven processes requiring documentation rigor. Strong attention to detail and ability to produce accurate, audit‑ready work. Proven ability to manage high‑volume, process‑driven workflows. Strong Excel skills (tracking, validation, reconciliation). Ability to work cross‑functionally and independently drive issues to resolution. Bachelor’s degree or 1–3+ years’ experience in payments required. Preferred Qualifications Experience with third‑party agent (TPA) registration processes. Experience with merchant network compliance monitoring or acquiring operations. Experience with PCI DSS, ADC (Account Data Compromise). Background in payments operations. Knowledge of fraud / rules in payments context (helpful but not required). Experience improving or optimizing compliance workflows or tracking processes. What This Role Is NOT Not a traditional TPRM / vendor risk / IT GRC role. Not focused on cybersecurity frameworks (NIST, ISO) as primary work. Not strategy‑heavy—this is a hands‑on operational role. Team & Leadership Reports to Director – Sponsorship Oversight (Payments Risk). Team operates in a high‑growth, high‑volume environment with strong cross‑functional exposure across Payments, Risk, and Compliance. Hours & Work Schedule Hours per Week: 40. Work Schedule: Monday–Friday. Hybrid, 4 days on site from a Citizens corporate office, 1 day remote. Work Location Options: This role can sit at any Citizens hub where there is capacity, including RI – Johnston CT – New Haven; Stamford DE – Newark FL – Tampa; Coral Gables GA – Atlanta IA – Coralville IL – Chicago MA – Boston MA – Medford MD – Baltimore; West Bethesda NJ – Mount Laurel; Short Hills; Spring Lake Heights; Marlton NY – Albany; Tarrytown; Syracuse OH – Cleveland PA – Philadelphia; Pittsburgh TX – Irving; Houston VA – Glen Allen; Falls Church; Richmond Pay Transparency The salary range for this position is $86,000–$101,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to the budget, work location, and relevant skills and experience. We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens’ paid time off policy exceeds the mandatory, paid sick or paid time‑away policy of every local and state jurisdiction in the United States. Equal Employment Opportunity Citizens, its parent, subsidiaries, and related companies provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability. Background Check Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information. #J-18808-Ljbffr Citizens