Fraud Strategy Analyst

4 weeks ago

Fargo, United States Gate City Bank Full time
Location
Fargo Corporate Office - Desk Share

Job Description:

The Fraud Strategy Analyst is responsible for the analysis, creation and deployment of rules and scoring from both internally and externally developed fraud risk models and applications. This position will identify, analyze, document, test, and manage the various fraud controls and processes to minimize fraud losses related to digital banking and other payments while maintaining remarkable customer experience. This position requires a comprehensive understanding of multiple areas within a function and how they interact in order to achieve the objectives of the bank's Fraud Strategy. This position will report to the Fraud Strategy Officer and work closely with the BSA and Fraud Manager, Fraud Mitigation Manager and Financial Crimes Data Analyst.

ESSENTIAL FUNCTIONS:
  • Assist in the development and implementation of fraud strategies and monitoring fraud risk through the customer lifecycle, to provide timely detection of emerging patterns in criminal activity.
  • Assist in the development, management, and testing for all Online/Mobile Banking, Deposit/Loan Origination and Servicing Fraud Detection Strategies.
  • Assist in developing, managing, and testing for all Debit Card Fraud Prevention and Detection Strategies.
  • Understanding and interpreting fraud standards, acceptable guardrails, customer experience, fraud prevention/detection techniques and applying that knowledge to business analysis and functional requirements.
  • Analyzing fraudster profiles and the type of fraud experiences (i.e., synthetic identities, online account takeover, etc.)
  • Conduct ongoing model monitoring and model calibrations of fraud scoring tools to ensure testing, tuning, development, ongoing monitoring, documentation, and implementation of fraud monitoring tools meet acceptable guardrails.
  • Participates in projects affecting Fraud Models or process changes to document and complete pre and post implementation testing to ensure that integrity of the processes.
  • Assist in developing solutions to reduce fraud risk and financial losses, while minimizing impact to good customers.
  • Assist in managing and documenting all settings for current fraud monitoring processes across all product lines (online, deposit/loan originations, debit card, etc.)
  • Assist in the evaluation of external partners (i.e., risk data providers, transaction monitoring solutions) to supplement our fraud detection.
  • Work with Product/Operational areas and Information Technology to implement strategies to manage risk within an acceptable level.
  • Assist in identifying and managing current fraud best practices across all product lines and execute Fraud use cases to ensure strategies are executed appropriately.
  • Participate in fraud risk management assessments of identified risks based on the customers, products, services, and geographies, as well as, new or changing products & features.
  • Strong knowledge and understanding of Fraud risk management principles.
  • Strong analytical, problem solving and organizational skills.
  • Work independently.
  • Sound oral and written communication skills.
  • Ability to make decisions in a fast-paced environment.
  • Ability to maintain composure in stressful situations, including resolving problems or concerns with potentially upset customers.
Other:
  • Provide a "Wow" customer service experience for team members and customers.
  • Develop and maintain productive relationships with team members, leaders, customers, and vendors.
  • Prompt and reliable attendance is essential in order to provide expected levels of service.
  • Must comply with all Gate City Bank policies, procedures, and applicable laws and regulations.
  • Must be detailed-oriented and maintain high degree of accuracy.
  • Ability to make decisions in a fast-paced environment.


EDUCATION AND EXPERIENCE:

Bachelor's degree in Business, Finance, Accounting, or related field required; minimum of 5-7 years of financial institution experience; 5 years of Fraud experience, or equivalent combination of education and experience. 3 years of Fraud experience related to debit card fraud monitoring, digital banking, payments and/or payment networks. Experience with Fiserv, NICE Actimize, BioCatch, AppGate, and Mastercard/Visa preferred. A Certification as a Certified Anti-Money Laundering Specialist (CAMS), Certified Fraud Examiner (CFE), or Certified AML and Fraud Professional (CAFP) preferred.

EOE/including Disability/Vets

Member FDIC

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