Deposit & Payment Risk Specialist

Description

Under the direct supervision of the VP-Deposit & Payment Risk Manager, the Deposit & Payment Risk Specialist is responsible for identifying, measuring, analyzing, monitoring, and mitigating the risk of fraud associated with check processing, online banking, ACH processing, wire transfers, and any other electronic transfers across all business lines of the Bank. This individual is cross trained and will act as back up for all tasks in the back-office operations departments.

This position requires that the individual work in office.

Ensures compliance within all Bank policies and procedures, as well as all applicable state and federal banking regulations.

• Monitor, identify, measure, analyze, and mitigate the risk of losses associated with check processing, online banking, ACH processing, wire transfers, other electronic transfers, and all other electronic services
• Monitor all deposit and payment risk applications and associated reports within fraud prevention tools including but not limited to Sentinel, Patrol and Oasis and all available loss prevention and detection reports
• Conduct thorough investigations of client accounts, documenting findings and making recommendations for further action
• Coordinates with clients and branches to ensure all security protocols are followed for online banking
• Completes SAR referrals as needed
• Work directly with clients to identify potential losses, obtain proper documentation and conduct account loss remediation
• Ensure procedures for loss mitigation are properly documented and kept current
• Complete reports for all losses, ensuring the proper time frames are followed
• Demonstrate superior client service along with appropriate follow-through with internal and external clients
• Completes administrative tasks correctly and on time; supports the Bank’s goals and values
• Cross trains and possesses the ability to back up technical operational areas including but not limited to: ACH receiving and origination; incoming and outgoing wire transfers, mobile deposit, consumer and commercial online banking and remote deposit capture
• Minimum of 10 hours CRA volunteer hours per year. Volunteer hours are typically scheduled within business hours. This is compensable and mileage is reimbursed
• Other duties as assigned

This position has no supervisory responsibility.

• Minimum 2 years of risk experience with a financial institution
• Minimum 2 years of operations experience with a financial institution
• Requires proficiency with Microsoft Office Suite including Word, Excel, and Outlook
• Ability to maintain regular attendance and work scheduled hours
• Ability to multi-task in a fast-paced environment

The incumbent in the course of performing this position frequently spends time writing, typing, speaking, listening, operating basic business equipment, seeing (such as close, color and peripheral vision, depth perception and adjusted focus), sitting, walking, standing, reading documents or instruments, detailed work, problem solving, client contact, reasoning, math, language, presentations, verbal and written communication, analytical reasoning, stress, multiple concurrent tasks, and constant interruptions.

The incumbent for this position will occasionally lift up to 15 pounds, pull, squat, kneel and reach. The incumbent is in a non-confined office-type setting in which they are free to move about  work environment is typically quiet to a moderate noise level.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Management reserves the right to change this position description at any time

Poppy Bank provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.

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