Business Development Officer - Merchant Services - San Diego, Irvine, Los Angeles, San Francisco or

Associates at California Bank & Trust work in a relationship-centered culture where they are provided with the tools, training, and opportunities to build the best possible relationships with our clients and with each other. Our workplace culture values each associate's unique experiences, background and perspectives and provides a collaborative environment for all employees to grow and thrive.

As a premier California-focused financial services company dedicated to serving its communities, families, and businesses (small, mid-sized and large), CB&T has been active for 70 years and has more than 80 full-service branch offices across the state. This dedication has helped the bank earn recognition as a perennial powerhouse in yearly voting for "Best Bank" and "Best Commercial Bank" from the readers of San Diego Union-Tribune and Orange County Register . Additionally, as a division of Zions Bancorporation, the bank has collected multiple Greenwich Excellence Awards for "Overall Client Satisfaction" in Small Business & Middle Market Excellence Awards.

We are looking for a Merchant Services Business Development Officer (BDO) to join us in Los Angeles, Irvine, Walnut Creek, San Diego or San Francisco CA . The BDO will play a vital role in analyzing, optimizing, and supporting payment processing solutions for businesses. This specialized position requires a hunter mentality with a deep understanding of the merchant services industry and regulations, transaction data, interchange, pricing models, merchant relationships, operational workflows, and merchant risk and compliance. The BDO is responsible for reviewing merchant statements, providing rate quotes, managing applications, coordinating equipment orders, ensuring compliance, and leading project management initiatives. This role demands strong analytical skills, attention to detail, and the ability to collaborate with stakeholders to enhance efficiency, profitability, and customer satisfaction.

Essential Functions :

• Source and develop Merchant Services prospects and new clients.
• Serve as a subject matter expert on merchant payment processing, pricing, risk, and compliance.
• Analyze merchant processing statements to identify cost-saving opportunities, detect discrepancies, and optimize pricing.
• Develop competitive rate quotes and pricing models tailored to prospects and clients, leveraging transaction indicators, technology needs, and industry benchmarks.
• Provide detailed reports and recommendations to improve client financial performance.
• Oversee application processing, onboarding, and equipment deployment for new merchant clients.
• Develop sales strategies and create & cultivate referral sources.
• Stay informed on industry trends, emerging payment technologies, and regulatory changes.
• Provide strategic insights to inform product development and client engagement strategies.
• Other duties as assigned.

Qualifications :

Benefits :

This position is eligible to earn a base salary in the range of $70,000 - $90,000 base annually depending on job-related factors such as level of experience. Significant bonus opportunity available based on performance.