Cash Management and Business Payments Analyst

Job Description: The Cash Management and Business Payments Analyst plays a critical role in supporting the Cash Management and Business Payments teams, balancing both collaborative and independent tasks that require self-initiative and motivation. Key responsibilities include gathering and analyzing data, delivering accurate reporting, gathering and organizing data in response to audits, and performing risk reviews. This role ensures operational integrity, compliance with internal policies and external regulations, and provides insights that drive informed decision-making. Qualifications: This person should have a bachelor’s degree and at least four years of related work experience, or an equivalent combination of education and experience. They must demonstrate strong analytical, problem-solving, and communication skills, both verbal and written. Additionally, the candidate should be detail-oriented with a high degree of accuracy, can manage multiple priorities in a fast-paced environment, and have a collaborative mindset with a proactive approach to problem-solving. Principal Responsibilities: Design, produce, and maintain recurring and ad hoc reports that provide visibility into operational performance, customer activity, financial metrics, and risk indicators. Reporting includes transaction-level analysis, new company onboarding, and monitoring of inactive companies. Analyze customer behavior, transaction volumes, and payment patterns to identify anomalies, emerging risks, and operational inefficiencies. Translate findings into actionable insights for business leaders to support strategic planning and risk mitigation. Ensure accuracy and consistency of data across reporting platforms by validating inputs, reconciling discrepancies, and maintaining thorough documentation. Maintain audit-ready data environments to support both internal and external audit requirements. Conduct targeted risk assessments and control testing across key areas such as Wire Transfer, ACH customer audits, RDC (Remote Deposit Capture) attestations and inventory, and underwriting reviews. Ensure alignment with internal policies and external regulatory standards. Identify opportunities to streamline reporting, audit preparation, and risk review workflows. Implement automation and collaborate with stakeholders to improve efficiency, reduce manual effort, and enhance response times. Act as a liaison for internal and external auditors by gathering, organizing, and delivering requested data and documentation. Ensure timely, accurate, and compliant support for audit activities across Cash Management and Business Payments operations. Embrace and practice the “Be the 1” principles and contribute to and support Operational programs. Maintain an understanding of industry regulations, products, technologies, and trends. Participate in cross-training for department and attend team meetings. Actively pursue developmental opportunities as discussed in one-on-ones and/or performance reviews. Act in accordance with FBT policies and procedures as set forth in the employee handbook. Adhere to compliance procedures and participate in required compliance training. Compensation Grade Salary Grade 5 First Bank & Trust is an Equal Opportunity, Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity or expression, national origin, disability, or status as a protected veteran. Read our complete Equal Employment Opportunity Policy Statement. Applicants who would like to request reasonable accommodation to the application or interview process should call Human Resources at 800.843.1552 or email hr@bankeasy.com. We invest in our people: Our communities have contributed to the success of our business and our families. In turn, this allows us to contribute to the success of our communities. We have remained an independent community institution over the years and employ almost 700 people. Our employees are like family (they’re also part owners). Not only is working for us rewarding, but you’ll also be a part of a positive culture and company that gives back to the community. Our Benefits: Comprehensive Healthcare Benefits Peace of mind when it comes to you and your family's well-being with generous health, dental, vision, and life insurance. Plus, optional access to additional life, disability, and other forms of insurance. 401(k) & ESOP Profit Sharing Employees are owners. Receive a match of up to 7% of your contributions to your retirement account. Wellness Program The Healthy Way Program incentivizes gym membership and hosts educational programs and challenges throughout the year. Education Student loan repayment assistance program. Tuition reimbursement. A robust internal training program that goes beyond onboarding. We want you to continue learning. That's why we offer job shadowing, a mentorship program, and more. Volunteer Service Hours Paid time to volunteer. Employees get 16 hours to take part in and donate their time to local charities. In-house Childcare & Preschool Kid's World childcare and preschool in Brookings is available for the children and grandchildren of employees. Our Culture: We value our culture and work hard to keep it top of mind at all times. Employees rally around 9 core principles, creating a collaborative and enjoyable work experience for all. During the onboarding process, all new employees attend a culture camp, which is led by the CEO and the Chairman of the Board. Work for us: Our employees enjoy working together and treat eachother (and customers) like family. Check out our career opportunities, and join a company that cares about its people and community.