Senior Fraud Specialist

Join TBK Bank!

At TBK Bank, a subsidiary of Triumph, we are a team of passionate, driven, collaborative, solution‑minded people who want to make a difference in the lives of our customers and communities. Our mission is to do well and to do good at the same time. We accomplish this by working together, because at the end of the day TBK means striving for excellence, while delivering with humility.

We thrive on providing exceptional customer service, and we look for friendly professionals dedicated to helping customers achieve their financial goals.

Position Summary: The Senior Fraud Specialist utilizes a variety of systems and tools to research and analyze complex alerts regarding possible fraudulent account activity and make decisions accordingly. The Senior Fraud Specialist will follow established procedures and guidelines and proactively identify and raise concerns with a sense of urgency.

• Handles more complex and/or escalated customer situations regarding possible fraudulent activity.
• Makes decisions based on judgment and research, extensive job experience, and established procedures and guidelines while leveraging multiple systems and tools.
• Places outbound calls and takes appropriate action based on complex transaction characteristics or account changes.
• Proactively identifies trends or patterns of activity related to fraud claim activity and escalates for appropriate action.
• Monitors financial crime risk management software to detect and prevent fraud.
• Maintains code for fraudulent accounts with appropriate warnings.
• Reviews consumer and business accounts including transaction history, online banking, Zelle, and bill pay activity to investigate and resolve issues.
• Answers phone inquiries regarding fraud activity.
• Works with the supervisor and various police agencies concerning criminal charges and court cases.
• Investigates and processes Affidavits of Forgery for check fraud cases.
• Assists with monitoring and approval of Mobile Deposit Capture items.
• Reviews ATM image software for fraud.
• Responds to internal and external customer inquiries within 2 hours.
• Performs duties in compliance with applicable laws and regulations, including the Bank Secrecy Act (BSA) and related anti‑money laundering laws, and in accordance with the Bank's Information Security Program.
• Maintains a positive and caring atmosphere for customers and employees consistent with TBK Bank's mission and philosophy.
• Maintains the security and confidentiality of pertinent information and records.
• Continues professional development through training, seminars, and membership in professional associations as applicable.
• Acts as a back‑up for ATM Manager duties (e.g., deposit review and cash ordering).
• Acts as a back‑up for ATM/Debit card dispute processing in accordance with Master Card Operating Regulations and Regulation
  
  E.
• Performs other operational duties as assigned.

• High school diploma or general education degree (GED) required.
• Minimum of 3 years of fraud experience and/or training, or an equivalent combination of education and experience.
• Knowledge of rules and regulations related to financial fraud and Master Card Operating Regulations (Reg E, Reg CC, BSA).

• Language skills – Ability to read, write and speak English. Ability to read and comprehend simple instructions, short correspondence, and memos; to write simple correspondence; and to effectively present information in one‑on‑one and small group situations to customers, clients, and other employees of the organization.
• Reasoning ability – Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form and to deal with problems involving several concrete variables in standardized situations.
• Computer skills – Knowledge of database software, spreadsheet software, and word processing software. Ability to use a ten‑key number pad and financial calculator.

The work environment characteristics described here may be encountered while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with…