Deposit Ops Check Fraud Analyst - Hybrid in Winter Haven

SouthState Bank Check Fraud Analyst

The SouthState story is one of steady growth, deep community roots, and an unwavering commitment to helping our customers move forward. Since our beginnings in the 1930s to becoming a trusted financial partner across the South and beyond - we are known for combining personal relationships with forward-thinking solutions.

We are committed to helping our team members find their success while maintaining the integrity of our values: building trust, fostering lasting relationships and pursuing excellence. At SouthState, individual contributions are recognized, potential is cultivated and team members are inspired to achieve their greater purpose. Your future begins here!

Summary/Objectives

SouthState Bank (the "Bank"), a nationally chartered financial institution, is renowned for offering comprehensive consumer, commercial, mortgage, and wealth management services to over one million customers across Alabama, the Carolinas, Colorado, Florida, Georgia, Texas, and Virginia. Through its Correspondent Banking Division, the Bank serves clients nationwide.

The Deposit Operations Check Fraud Analyst plays a critical role in protecting the Bank and its consumer and commercial customers by analyzing check exceptions and fraud alerts. This position is responsible for identifying potentially fraudulent activity, making timely risk-based decisions, and mitigating the Bank's financial exposure.

The Specialist ensures that all transactions comply with regulatory requirements and Bank policies and procedures, adhering to security standards and confidentiality protocols for Bank records and customer information. Through diligent monitoring, research, and collaboration, this role helps safeguard customer accounts and contributes to the financial stability of an institution with assets exceeding $65 billion.

Essential Functions

• Approach all situations logically and professionally to ensure positive customer outcomes.
• Provide support and guidance to internal customers (including branch personnel and business line partners) within established Service Level Agreements (SLAs).
• Responsible for accurately fulfilling customer research requests via the Bank's ticketing system to include deposit and correction inquiries.
• Process requests by conducting in-depth research into records and transactions in accordance with federal and state regulations, Bank policy, and departmental procedures to make sound decisions while balancing customer service and risk management.
• Perform critical maintenance functions on customer accounts and collaborate with other lines of business to prevent fraud and mitigate the risk of loss to the Bank and customers.
• Possess proficiency in time management by prioritizing duties, managing schedules effectively, and meeting strict deadlines without compromising accuracy.
• Manage competing priorities effectively to meet or exceed departmental benchmarks for accuracy, productivity, and risk management.
• Cross train in other teams within Deposit Operations to be able to provide back up support when needed.
• Participate in virtual meetings, communicate clearly with appropriate etiquette, and represent Deposit Operations professionally in all interactions.
• Perform daily analysis of check fraud alerts and daily or periodic reports to detect potentially fraudulent activity pursuant to established procedures, ensuring all processes are accurate, timely, and fully compliant with regulatory and departmental requirements.
• Identify, research, and escalate suspicious or fraudulent transactions as appropriate.
• Place holds on customer accounts as warranted, ensuring compliance with Regulation CC as appropriate.
• Investigate and process duplicate deposit exceptions across all check processing channels.
• Notify branch personnel of teller batch outages and provide guidance on resolving corrections within the Proof Suspense General Ledger.
• Apply critical thinking and sound decision-making skills to analyze complex transactions, resolve discrepancies, and recommend appropriate actions with minimal supervision.
• Demonstrate flexibility to work weekends, holidays, or extended hours as business needs arise.
• Perform other duties as assigned by management.

Competencies

• Ability to follow established procedures while applying sound judgment to exceptions.
• Be assertive in all scenarios.
• Demonstrated capability to conduct research and data analysis, with proficiency in identifying and assessing trends in customer behavior.
• Strong attention to detail, analytical thinking, and investigative skills.
• Capacity to maintain composure and accuracy under pressure in a fast-paced environment.
• Proficiency in learning and navigating multiple computer systems and online tools.
• Solid understanding of mathematical and financial principles.
• Must be adaptable in a fast-paced, ever-evolving environment.
• Must be self-motivated and complete job functions with little supervision.
• Excellent communication, organizational, problem-solving, and time management skills.
• Ability to manage confidential information with discretion.
• Proven multitasking ability and consistent dependability.
• Collaborative mindset with the ability to work effectively in a team environment.
• In-depth knowledge of check processing, UCC, Check 21, and Regulation CC.

Qualifications, Education and Certification Requirements

Education: High School Diploma or equivalent.

Experience: A minimum of 2 years total in banking is required, preferably in Deposit Operations, fraud prevention, or a related area. Experience with Fiserv banking applications is preferred (Premier Navigator, Director).

Certifications/Specific Knowledge: Proficient with general office machines, PC experience, and programs to include Microsoft Word, Excel, Outlook, Teams, and other departmental software.

Training Requirements/Classes

• New Employee Orientation
• Annual compliance training
• Check Fraud Training Plan
• Other training assigned by management

Physical Demands

This position requires a large amount of time in front of a computer. This can be done sitting or standing with the use of the right desk. Must be able to effectively access and interpret information on computer screens, documents, and reports.

Work Environment

This position is in a cubicle environment that may be noisy throughout the day. Telecommuting roles, no matter if hybrid or 100% full time telecommuting, must have a secure home office environment that is free from background noise and distractions. They must also have a reliable private internet connection that is not supplied by cellular data (hot spot). Cable or fiber connections are preferred. Requirements are subject to change, as new systems and technology are delivered.

Travel

Occasional travel may be required for outside meetings, training, or natural disasters affecting the ability to work in a Support Center or Remotely from home.

Work Location: 1951 8th St NW Winter Haven, Florida 33881

Equal Opportunity Employer, including disabled/veterans.