Senior Fraud Specialist

• Research and analyze complex alerts regarding possible fraudulent account activity and make decisions accordingly
• Handle complex and escalated customer situations involving possible fraudulent activity
• Make decisions based on judgment, research, experience, and established procedures using multiple systems and tools
• Place outbound calls and take action based on complex transaction characteristics or account changes
• Identify fraud-related trends and patterns and elevate concerns for appropriate action
• Monitor financial crime risk management software to detect and prevent fraud
• Maintain coding of fraudulent accounts with appropriate warnings
• Review consumer and business accounts, transaction history, online banking, Zelle, and bill pay activity to investigate and resolve issues
• Answer phone inquiries regarding fraud activity
• Work with supervisors and police agencies regarding criminal charges and court cases
• Investigate and process Affidavits of Forgery for check fraud cases
• Assist with monitoring and approval of Mobile Deposit Capture items
• Review ATM image software for fraud
• Respond to internal and external customer inquiries within 2 hours
• Perform duties in compliance with applicable laws, regulations, the Bank Secrecy Act, anti-money laundering laws, and the Bank’s Information Security Program
• Maintain security and confidentiality of information and records
• Serve as backup for ATM Manager duties, including deposit review and cash ordering
• Serve as backup for ATM/Debit card dispute processing under Master Card Operating Regulations and REG E
• Perform other operational duties as assigned

• High school diploma or general education degree (GED) required
• Minimum 3 years of fraud experience and/or training, or equivalent combination of education and experience
• Knowledge of rules and regulations related to financial fraud
• Knowledge of Master Card Operating Regulations, Reg E, Reg CC, and BSA
• Ability to read, write, and speak English
• Ability to read and comprehend simple instructions, correspondence, and memos
• Ability to write simple correspondence
• Ability to present information effectively in one-on-one and small-group situations
• Ability to apply common-sense understanding to written, oral, or diagrammed instructions
• Ability to handle problems involving several concrete variables in standardized situations
• Knowledge of database, spreadsheet, and word-processing software
• Ability to use a ten-key number function and financial calculator
• Ability to work in a confined area and sit at a computer terminal for extended periods
• Ability to perform the stated physical duties, including occasional lifting and/or moving up to 25 pounds
• Regular, predictable attendance required

Demonstrates expertise in fraud detection and prevention, with a strong understanding of financial regulations and compliance. Proficient in analyzing complex transactions and customer situations to mitigate risks and ensure security.