Position Overview

This entry-level position requires prior retail banking experience and is responsible for performing various duties to protect the Bank from known or suspected internal or external fraudulent activities. This role’s primary focus is on detecting, preventing and following policies and procedures to ensure the reduction of potential losses to the Bank and its customers. The specialist proactively prevents fraud/loss by analyzing fraud patterns/trends, and monitors account activity and coordinates activities to resolve and prevent fraud across the organization.

Essential Job Functions

• Research customer account activity to determine potential fraud related to multiple channels (Checks, Wires, etc.).
• Process and review alerts on Yellowhammer including research, investigation and resolution of alerts on a daily basis.
• Process and review Ensenta (ATM deposits) alerts.
• Make appropriate decisions on behalf of customers and the Bank swiftly and effectively.
• Secures accounts to prevent losses.
• Place Reg CC. holds on deposits in adherence with Reg CC.
• Works with internal departments to validate that charges are authorized.
• Coordinates cross-functional communication, to resolve fraud situations and provides recommendations to resolve fraud.
• Cooperatively work with customers, colleagues and branch staff with the highest level of professionalism, respect, and attentiveness.
• Refers alerts that merit additional research to Fraud Investigator/Team Lead.
• Effectively prioritize work to ensure efficiency.
• Proactively and regularly, increase working knowledge of bank policies and procedures.
• Performs other duties and as assigned by management.

Minimum Requirements 

• High school diploma or general education degree (GED) and two years of related financial institution experience.

Competencies:

• Work in a fast-paced environment.
• Previous exposure/knowledge to recognizing fraudulent items and items that merit more detailed analysis by reviewing accounts and transactions to determine fraud trends.
• Detail oriented and self-driven.
• Strong knowledge of desktop computer applications, including Microsoft Word, PowerPoint and Excel.
• Excellent oral and written communication skills.
• Excellent organizational skills and ability to work independently.
• Excellent problem solving and analytical skills required.

Preferred, but not required:

• Bachelor’s degree in a Business, Financial, or other related fields of study is preferred.