Third Party Risk Sr Analyst

Job Description

Payment Network Compliance Senior Analyst (Visa/Mastercard/Discover)

Merchant Compliance | Sponsorship Oversight | Acquiring

About This Role

Citizens is seeking a Payment Network Compliance Senior 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 escalate 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 at least one of the following:
• Payment network compliance (Visa, Mastercard, Discover)
• Merchant acquiring or sponsor bank environment
• Merchant registrations, or violations handling
• Experience managing:
• Case-based compliance work (tracking, investigation, resolution)
• Regulatory or network-driven processes with 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

Education:

• Bachelor's degree or 1-3+ years' experience in payments required

Preferred Qualifications

• Experience with:
• Third-party agent (TPA) registration processes
• Merchant network compliance monitoring or acquiring operations
• PCI DSS, ADC (Account Data Compromise)
• Background in:
• Payments operations
• Fraud / Rules in payments context (not required but helpful)
• 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
• Strong cross-functional exposure across Payments, Risk, and Compliance

Why Join Citizens

• Recognized as a Best Place to Work (2026) and Fortune Top 100 Company
• Part of Reimagine the Bank (RTB) — a multi-year transformation to modernize technology, simplify operations, and empower teams
• Opportunity to build deep expertise in payments and network compliance, a highly specialized and in-demand domain

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:
• Locations:
• RI - Johnston
• MA- Boston
• NH-Manchester

Required Skills

• Customer Journey Orchestration
• Diversity and Inclusion (D&I) Strategy and Policy
• Vendor Managed Inventory (VMI)

About Us

Equal Employment Opportunity

Citizens, its parent, subsidiaries, and related companies (Citizens) 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.

Equal Employment and Opportunity Employer

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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.