Associate Fraud Mitigation Specialist – Zelle Operations; Temp

Associate Fraud Mitigation Specialist – Zelle Operations (Temp)

This temporary role within the Asset Protection Department is anticipated to begin (TBD) and continue for approximately 2 months. This position is dedicated to the prevention, detection, and investigation of Zelle-related fraud. The primary focus will be real-time monitoring of high-risk transactions, identifying account takeover activity, detecting first-party fraud, and performing case decisioning in Financial Crimes Defender (FCD). This role requires quick decision-making in a fast-paced environment and may include fraud-related responsibilities to support business needs.

About UFCU:
As Austin's largest locally-owned financial institution, University Federal Credit Union is a financial institution owned by, dedicated to, and always working for our Members. Our mission at UFCU is simple: to provide for the well-being of our Members. We're proud to focus on people — not profits. We deliver fair and honest products and outstanding service, and we work collaboratively within our organization as well as our community to help Members achieve their personal and financial goals.

Consistently receiving awards as the Top Credit Union and Top Mortgage Company, UFCU is proud of its people-first culture. We value our employees as much as our Members. We offer an environment where people care about each other – like family. If you want to love what you do, make an impact in your community, and have the power to help people change their lives – then we're glad you're here.

Essential Functions:

• Monitor and decision high-risk Zelle transactions in real time to mitigate fraud exposure
• Investigate suspected fraud, including scams, account takeovers, mule activity, and first-party abuse
• Review alerts and cases in Financial Crimes Defender (FCD), ensuring accurate documentation and audit-ready case notes
• Take timely action on active fraud events to minimize losses
• Collaborate with internal teams to resolve member-related fraud issues
• Track fraud trends, losses, and prevention outcomes; identify emerging risks
• Provide cross-functional support to Fraud Mitigation team members as needed
• Other related fraud mitigation duties as assigned

Knowledge/Skills/Abilities:

• Ability to identify detailed information, cross-reference data, and act accordingly
• Effective written and verbal communication and presentation skills
• Strong working knowledge of Microsoft Office products
• Well-developed analytical skills
• Strong attention to detail and a high level of accuracy
• Ability to handle multiple demands, shifting priorities, and rapid changes and adapting responses and tactics to fit fluid circumstances
• Strong organizational skills with a keen ability to prioritize and multi-task while adhering to and meeting deadlines
• Ability to handle situations with diplomacy, professionalism, integrity, and the highest level of confidentiality
• Ability to consider a multitude of data-points and make strong, sound decisions accordingly

Competencies:

• Member Focus:
  Advocates for member protection while balancing risk
• Analytical Thinking:
  Uses data and judgement to make timely decisions
• Adaptability:
  Performs effectively in a rapidly changing environment
• Communication:
  Conveys complex information clearly and professionally
• Collaboration:
  Builds strong working relationships across teams
• Integrity & Confidentiality:
  Upholds the highest ethical standards

Minimum Requirements:

• Minimum 3 years of experience in a credit union, bank, or similar financial services environment
• Experience working with cores software systems (e.g., Symitar) and/or digital payment platforms such as Zelle
• High School Diploma or equivalent

Things You Need to Know Before You Apply:

Physical Demands

The physical demands described are representative of those that must be met by an employee, with or without accommodation, 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 regularly required to sit; use hands, fingers, handle or feel; reach with hands and arms; and talk or…