Senior Fraud Specialist

Position Summary

The Senior Fraud Specialist utilizes multiple systems/tools to research & analyze complex alerts regarding possible fraudulent account activity and make decisions accordingly. The role follows established procedures and guidelines, proactively identifies and escalates concerns/issues with a sense of urgency.

• Handles more complex and/or escalated customer situations regarding possible fraudulent activity.
• Decision items based on judgment and research, extensive job experience, and following established procedures and guidelines, while leveraging multiple systems/tools.
• Place outbound calls and take appropriate action based on complex transaction characteristics or account changes.
• Proactively identify trends or patterns of activity related to fraud claim activity and escalate for appropriate action.
• Monitor financial crime risk management software to detect and prevent fraud.
• Provide maintenance to code fraudulent accounts with appropriate warnings.
• Review consumer/business accounts including transaction history, online banking, Zelle and bill pay activity for the purpose of investigating and resolving issues.
• Answer phone inquiries regarding fraud activity.
• Work with supervisor and various police agencies regarding criminal charges and court cases.
• Investigate and process Affidavits of Forgery pertaining to check fraud cases.
• Assist with monitoring and approval of Mobile Deposit Capture items.
• Review ATM image software for fraud.
• Respond to internal/external customer inquiries within 2 hours.
• Perform duties in compliance with applicable laws and regulations, including but not limited to the Bank Secrecy Act (BSA) and related anti-money laundering laws, and in accordance with the Bank's Information Security Program.
• Maintain a positive and caring atmosphere for customers and employees consistent with TBK Bank's mission and philosophy.
• Maintain the security and confidentiality of pertinent information and records.
• Continue professional development through training, seminars, membership in professional associations, as applicable.
• Serve as a back‑up for ATM Manager duties (e.g., deposit review and cash ordering).
• Serve as a back‑up for ATM/Debit card dispute processing in accordance with Master Card Operating Regulations and REG E.
• Other operational duties as assigned.

• High school diploma or general education degree (GED) required.
• Minimum 3 years fraud experience and/or training; or 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; read and comprehend simple instructions, short correspondence, and memos; write simple correspondence; effectively present information in one‑on‑one and small group situations to customers, clients, and other employees.
• Reasoning Ability – Apply common sense understanding to carry out instructions furnished in written, oral, or diagram form; handle problems involving several concrete variables in standardized situations.
• Computer Skills – Knowledge of database software, spreadsheet software, and word processing software; ability to use ten‑key number function and financial calculator.

• Low to moderate noise (business office with computers, phone, and printers, light traffic).
• Ability to work in a confined area.
• Ability to sit at a computer terminal for an extended period of time; occasional stooping or kneeling may be necessary.
• Regular standing, sitting, talking, walking, climbing or balancing; stooping, kneeling, crouching, or crawling; hearing and using hands and fingers to operate a computer keyboard and telephone.
• Frequently required to reach with hands and arms.
• May occasionally lift and/or move up to 25 pounds.
• Specific vision abilities required due to computer work – includes close vision.
• Light to moderate lifting is required.
• Regular, predictable attendance is required.

We offer Medical, Dental, Vision, Paid Time Off, 401(k) and much more.