Payment Network Compliance Analyst (Visa/Mastercard/Discover)
About the role
The Payment Network Compliance Analyst supports the sponsorship oversight program within the Payments Risk organization. This role ensures adherence to Visa, Mastercard, and Discover network rules across merchant and third-party relationships. It involves reviewing and managing compliance cases, supporting third-party agents, maintaining audit-ready documentation, and partnering with internal teams to investigate and resolve issues.
Responsibilities
- 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
Requirements
- 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
Qualifications
- Bachelor’s degree or 1-3+ years’ experience in payments required
- 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
- Hrs 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
- - 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.
Benefits
- Competitive pay
- Comprehensive medical, dental and vision coverage
- Rothirement benefits
- Maternity/paternity leave
- Flexible work arrangements
- Education reimbursement
- Wellness programs
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.