Fraud Analyst

Fraud Analyst I

A Fraud Analyst I is responsible for the day-to-day monitoring of account activity to prevent, deter, detect and investigate acts of fraud committed against the bank and its customers.

Essential duties and responsibilities include the following :

• Process daily and weekly fraud alerts using the bank's fraud detection software. Including but not limited to alerts for check fraud, deposit fraud, ACH fraud, wire fraud, elder abuse fraud, kiting and unusual activity.
• Investigates possible fraudulent activity that has been detected through the fraud detection software, the bank's core system, and business units of the bank.
• Assists bank employees with fraud related issues, including responses to emails sent to the Fraud Department email.
• Process signature validation alerts daily.
• Reviews and investigates alerts generated through the FruadChex ATO solution to monitor possible identity theft.
• Reviews and investigates all debit card reorders with a recent address change.
• Processes mobile deposits that need approvals.
• Monitors mobile deposits made throughout the day to detect and prevent mobile deposit fraud.
• Completes necessary steps when mobile deposit fraud is detected by restricting accounts and online banking access, placing holds, creating fraud alerts in the fraud monitoring system, and notifying account officers.
• Reviews and investigates Remote Deposit Capture transactions on the Limit Exception Report for high-risk deposit customers.
• Keeps in contact with account officers of fraudulent accounts and other departments to make sure necessary steps are taken to reduce exposure and have the account closed.
• Reviews the external transfer relationship report, and emails account officers to have them verify the new relationships with the customer.
• Investigates and takes necessary steps to recover funds when ACH or Wire fraud is detected.
• Retrieves and reviews surveillance footage regarding fraud related matters.
• Reviews ATM deposits for possible fraud, and takes necessary steps if fraud occurs.
• Reviews cases involving potential abuse of vulnerable adults. Reports cases to Adult Protective Services or Elder Protective Services as needed.
• Reviews emails from FIS Risk Management regarding potential fraudulent Zelle or Bill Pay items. Requests bankers to verify questionable transactions with the customer as needed.
• Reviews hourly deposit report to ensure proper holds were placed on high-risk items.
• Assist with select debit card dispute duties if needed.

This job has no supervisory responsibilities.

To perform the job successfully, an individual should demonstrate the following competencies :

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and / or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and / or Experience

Bachelor's degree (B. A.) from a four-year college or university preferred; at least two years of experience in a financial institution with a thorough knowledge of general fraud prevention and an understanding of banking business functions and processes; or equivalent combination of education and experience.

Language Skills

Ability to read and comprehend simple instructions, short correspondence, and memos. Ability to write simple correspondence. Ability to effectively present information in one-on-one and small group situations to customers, clients, and other employees of the organization.

Mathematical Skills

Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent and to draw and interpret bar graphs.

Reasoning Ability

Ability to apply common sense understanding to carry out detailed but uninvolved written or oral instructions. Ability to deal with problems involving a few concrete variables in standardized situations.

Computer Skills

To perform this job successfully, an individual should have basic knowledge of computer applications such as the Internet, Outlook, Microsoft Word, Microsoft Excel and banking software. Ability to use basic office machines including 10-key, computer keyboard, telephone, fax machine and copy machine.

Customer Service Skills

Ability and judgment to interact and communicate appropriately with other employees, customers and supervisor. Ability to serve customers, both internal and external, (community / public) in a manner that will reflect superior customer relations and enhance the overall marketing effort of Community Trust.

Physical Demands

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is frequently required to stand; walk; sit; use hands to finger, handle, or feel; reach with hands and arms and talk or hear. The employee is occasionally required to stoop, kneel, crouch, or crawl. The employee must frequently lift and / or move up to 10 pounds and occasionally lift and / or move up to 25 pounds. Specific vision abilities required by this job include close vision and ability to adjust focus.

Work Environment

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually moderate.

This job description reflects management's assignment of essential functions. It does not prescribe or restrict the tasks that may be assigned. Origin Bank shall, in its discretion, modify or adjust the position to meet the Bank's changing needs. This job description is not a contract and may be adjusted as deemed appropriate in the Bank's sole discretion.

Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, pregnancy, genetic information, disability, status as a protected veteran, or any other protected category under applicable federal, state, and local laws.