Fraud Analyst II
2 weeks ago
Job Description
Job Description
Under the direct supervision of the Supervisor, Fraud and Loss Prevention, proactively reviews and investigates complex, more difficult, and suspicious fraud cases. c. Independently analyzes and determines potential for loss and takes appropriate action to minimize or prevent significant losses to the credit union. Tracks and maintains complete records of investigation and results. Assists employees and members with difficult questions relating to fraud and loss prevention.
Supervisory responsibilities :The incumbent reports directly to the Supervisor, Fraud and Loss Prevention. No employees report directly to this position.
NATURE & SCOPE:
Provides support to branches, call center, departments, and members on fraud related matters requiring fraud expertise. Performs research to answer questions and resolve issues.
Investigates fraud involving credit, debit and ATM cards, ACH, checks, and other unauthorized transaction’s identity theft, loan, and new accounts, etc.
Independently reviews and analyzes account activity to determine potential for loss and analyze the facts and take appropriate action to minimize or prevent significant losses.
Proactively monitors reports and analytical systems for suspicious and potentially fraudulent activity making a judgment call on account restrictions in order to mitigate potential losses to the credit union.
Researches, analyzes, processes, and responds to member fraud claims within the allotted time frames as per all applicable regulations including MasterCard, Reg E, Reg CC, Reg Z,NACHA,UCC to avoid legal non-compliance.
Assists with compiling material and data for staff training and periodic updates on fraud-related topics for branch and call center staff.
Tracks and monitors fraud losses and compiles statistical reports in order to analyze trends.
Review and monitor suspicious online and mobile banking login and transaction activity via analytical systems.
Compile data for end -of -month fraud reporting.
Creates professional member correspondence.
Provides backup support to Fraud Analyst I position.
Performs other duties as assigned.
Education, skills, & abilities:The Eight Superpowers1. Provides leadership through modeling of behaviors and bringing forward new ideas and new ways of doing things.2. Demonstrates empathy, self-reflection, and adjustment of own behaviors, showing effective emotional intelligence.3. Practices active listening in communications with others, giving someone full attention and listening to understand, not just respond.4. Demonstrates grit, persisting in application of knowledge, skills, and behaviors to achieve goals and address obstacles.5. Models intrinsic motivation; is self-driven to meet or exceed objectives, timelines, and quality measures while building and sustaining effective relationships.6. Applies creative problem-solving to provide clarity, handle resources under one’s control, and address stressful situations; finds ways to meet individual, team, and member goals, by navigating through barriers.7. Shares a diverse set of perspectives, work and life experiences, as well as religious and cultural differences. Actively seeks out differences in values, ideas, and priorities. Respects and value the differences of others, including but not limited to: national origin, language, race, color, disability, ethnicity, gender, age, religion, sexual orientation, gender identity, socioeconomic status, veteran status, and family structures. Believes a diverse workplace is essential to the company’s success.8. Values and shows appreciating for the unique qualities and experiences of each person-inclusion; appreciates and effectively utilizes the talents and skills of others to achieve objectives; is open to the perspective of others; and encourages collaboration, flexibility and fairness. Makes each employee feel valued and supported for their unique qualities.
Other Education, Skills, and AbilitiesRequires a high school diploma or general equivalency plus a minimum of three (3) years of experience in a financial institution performing a wide variety of financial transactions or two (2) years of Fraud mitigation.Working knowledge of regulations that affect areas of responsibility including Reg E and Reg CC.Ability to communicate effectively verbally and in writing.Excellent organization and member service skills.Requires an empathetic demeanor to provide an outstanding member experience.Ability to analyze and suggest ways to implement efficiencies.Excellent problem solving, analytical, and organizational skills.Ability to work as part of a team, always displaying a positive professional attitude and adhering to beREAL principles.Ability to work under time constraints to meet deadlines.Previous experience with Microsoft Windows Office Applications (Word, Excel, and Outlook) is required.Ability to operate standard business machines.Ability to appear for work on time, follow directions from a supervisor, understand and follow policies and procedures, interact effectively with co-workers, and accept constructive improvement coaching.
MAJOR ACCOUNTABILITIES:
Provide support to branches, call center, departments, and members on fraud related matters requiring fraud expertise. Performs research to answer questions and resolve issues.
Researches, analyzes, adjusts, processes and responds to disputes and fraud claims within the allotted time frames.
Reviews critical reports for fraudulent activity.
Tracks and monitors fraud losses and compiles statistical reports. Assists with compiling end of month fraud reporting.
Investigates and mitigates fraud. Reviews and analyzes account activity to determine potential for loss.
Provides backup support to Fraud Analyst I position.
PHYSICAL REQUIREMENTS:
Ability to tolerate periods of continuous sitting; ability to operate and utilize a personal computer and peripherals.
ENVIRONMENTAL CONDITIONS:
Work is primarily performed within a cubicle office setting. Subject to conversational noise found in an office environment.
Note: Staff is expected to perform various tasks, projects and administrative duties as assigned.Management reserves the right to assign or change duties and tasks to this position at their discretion.
Salary Range (hourly)$23.34-$29.18
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