Senior Analyst, Client Trust and Fraud Prevention

** WHO WE ARE
** Home Equity Bank is a Schedule 1 Canadian chartered bank and the leading national provider of reverse mortgages, with a growing portfolio. As the only bank solely dedicated to serving homeowners 55 and up, we’re passionate about helping Canadian homeowners live retirement on their terms. We live that commitment every day, with a range of reverse mortgage solutions that include our flagship CHIP Reverse Mortgage product.

** OUR VALUES, OUR PASSION
** At Home Equity Bank, our values drive and inspire our actions with our customers, our partners and each other.
* Customer-Focused. Passionate Advocates
* Courage to Act. Do the Right Thing
* One Team. One Vision
* Think Long-Term. Ever-Evolving
* Be Exceptional. Inspire Greatness
** POSITION SUMMARY
** The Senior Client Trust and Fraud Prevention Analyst will play a critical role in protecting both customers and the Bank by detecting, preventing, investigating, monitoring, and reporting fraud, including elder financial abuse. This role strengthens client trust by raising fraud-risk awareness and driving initiatives that enhance the Bank’s fraud-management capabilities across all operational processes, with a specific focus on safeguarding vulnerable clients from financial harm.

As the Bank continues its growth journey, the Senior Analyst will collaborate with cross-functional partners to help build and mature the Fraud Operations strategy, controls, and practices.
** MAJOR ELEMENTS OF

THE ROLE
**** Key accountabilities of this position include:
**** Fraud Prevention, Detection & Investigation:
*** Support investigations of suspicious, escalated, or complex fraud cases.
* Coordinate with internal stakeholders, external legal counsel, law enforcement, and industry partners as appropriate.
* Conduct root-cause analysis and recommend updates to processes, procedures, and controls.
* Analyse transactional data, behavioural patterns, documentation, and system-generated alerts to detect suspicious activity.
* Conduct ongoing monitoring of attempted and confirmed fraud events and prepare timely reporting.
** Operational Support &

Risk Management:

*** Support the day-to-day operations of the Fraud Department to ensure effective execution, assessment, maintenance, and monitoring of key risks.
* Identify fraud risks associated with the Bank’s products, services, processes, and client base.
* Collaborate with internal stakeholders to address issues and provide guidance and advice when required.
* Become fully familiar with, and proficient in, the Bank’s processes, systems, and fraud-related workflows.
* Work closely with business units to ensure fraud-risk information is communicated, escalated, and actioned appropriately.
* Prepare ad hoc reports and take on additional assignments as required.
** Industry Awareness & Governance:
*** Remain current on industry best practices related to consumer protection, elder exploitation, deceptive practices, and fraud-prevention standards.
* Ensure adherence to the Canadian Bankers Association (CBA) Seniors Code and contribute to strengthening the Bank’s client-trust framework.
** SKILLS AND EXPERIENCE REQUIRED
**** Qualifications
* ** A college diploma or university degree is preferred.
* Relevant industry certifications or accreditations are an asset
* 5+ years of relevant experience within a regulated financial institution.

Experience with in a Reverse Mortgage Institution is an advantage.
* Experience working in an oversight or control function (Risk, Compliance, Legal, Fraud, 1B) with hands on exposure to detecting and investigating frauds and scams.
** Attributes
* ** The ability to interpret complex, often ambiguous information and data.
* The ability to understand and interpret mortgage documents (Client Statement, Legal Documents, Docusign Reports etc.) and detect anomalies and inconsistencies.
* Advanced Knowledge of the CBA’s Senior Code
* Strong detective and Investigative skills
* Effective communicator;
Exceptional written and oral communication skills
* Strong judgment and ability to effectively process information and draw meaningful/persuasive conclusions.
* Excellent analytical skills with the ability to assess complex…