Senior Fraud Risk Analyst

3 weeks ago

Santa Ana, California, United States Banc of California Full time
Job Summary

Banc of California is seeking a highly skilled Senior Fraud Risk Analyst to join our team. As a key member of our Fraud Risk Management department, you will be responsible for managing escalation queues and inboxes, analyzing complex account activity to detect and prevent fraudulent activity, and identifying and escalating suspected, alleged, or known internal and external fraud investigations to management.

Responsibilities
  • Proactively assist in the oversight of the Fraud Risk Management Program using data extraction, data analytics, and management reporting.
  • Contribute to the development and implementation of Fraud Risk processes, tools, policies, standards, and procedures in alignment with the Enterprise Risk Framework Program.
  • Analyze activity to detect and prevent fraudulent activity based on reports, alerts, or notifications from third parties requesting assistance.
  • Analyze all potential or actual fraud within the Bank, including check, deposit, new account, card issuing, ACH receipt, ACH origination, card acquiring, wires, consumer and commercial loans, suspicious activities, etc.
  • Oversee and perform investigations regarding actual and suspected fraud activities, providing oversight and appropriate resolution to the business units.
  • Prepare in-depth fraud case investigation narratives, which support Suspicious Incident Reporting, Elder Abuse Reporting, Subpoenas, Human Resource corrective action, and police reports.
  • Prepare and analyze internal and external fraud loss data reporting to monitor risk management activities associated with significant losses.
  • Risk assess the effectiveness of antifraud programs and controls in place.
  • Identify and report in a timely manner suspected Elder Abuse to applicable APS Reporting agencies.
  • Effectively communicate emerging and/or changing risk and related control opportunities and enhancements to senior management.
  • Perform Key Risk Indicator (KRI) and Key Performance Indicator (KPI) reporting; analyzing, tracking, and reporting data.
  • Maintain awareness of key process changes, system changes, organization or governance structure, and key outsourcing arrangements/vendor exposure and how they impact operational risk management.
  • Assist management in the development and implementation of antifraud control activities both preventive and detective controls.
  • Prepare monthly/quarterly management reports of all activities, including averted and sustained losses, large losses, and recovered monies.
  • Adhere to all regulatory filing timelines.
  • Follow policies and procedures, complete tasks correctly and on time, and support the company's goals and values.
  • Assist management in annual Fraud Risk Assessment, including data procurement, analysis, and authoring.
  • Perform the position safely without endangering the health or safety to themselves or others and be expected to report potentially unsafe conditions.
Qualifications
  • Demonstrate knowledge of, adherence to, monitoring, and responsibility for compliance with state and federal regulations and laws as they pertain to this position, including Regulation Z (Truth in Lending Act), Regulation B (Equal Credit Opportunity Act), FHA (Fair Housing Act), Home Mortgage Disclosure Act, Real Estate Settlement Procedures Act, Fair Credit Reporting Act, Bank Secrecy Act in conjunction with the USA PATRIOT Act, Anti-Money Laundering and Customer Information Program, Right to Financial Privacy Act (state and federal), and Community Reinvestment Act (CRA).
  • Strong knowledge of Bank administration, lending, and operations products and services; related state and federal laws and regulations, and other Banking operational policies and procedures.
  • Excellent written and verbal communication with the ability to create clear and concise summary documents of ongoing investigations and provide detailed instructions to team members.
  • Ability to analyze complex situations and provide guidance, make recommendations, and/or escalate arising issues timely.
  • Strong organization skills and ability to manage multiple projects efficiently to ensure projects completed timely.
  • Able to interact and communicate effectively with all management levels to assess business needs in a professional manner.
  • Strong proficiency with MS Office Suite required (MS Word, MS Excel, and MS PowerPoint).
  • SharePoint proficiency, including document maintenance and SharePoint updates.
  • Ability to make informal and formal presentations, inside and outside the organization; speaking before assigned team or other groups as needed.
  • Ability to deal with complex difficult problems involving multiple facets and variables in non-standardized situations.
  • Ability to work with little to no supervision while performing duties.
  • Minimum 4-6 years in banking/finance industry experience.
  • Minimum 3 years in Fraud investigation in experience in card issuing and ACH origination a plus.
  • Bachelor's Degree in related field and CFE credential a plus.
Salary Range

$66,000.00 USD; Final salary to be determined by the education, experience, knowledge, skills, and abilities of the applicant, internal equity, and alignment with geographic/market data.

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