Sr. Associate, Customer Acceptance & Fraud

Summary of the Job The Sr. Associate is a subject matter expert responsible for supporting the identification and mitigation of fraud risks and trends, regulatory compliance, and potential reputational risks within the Banking Division. They identify, analyze, and address fraud trends, regulatory risks and implement action plans and strategy adjustments. They build strong working relationships across the enterprise to meet strategic goals. Responsibilities Strong working knowledge of the laws and regulations applicable to the business strategies, products, services, processes, and third parties. Evaluate, integrate, and align new processes and controls into existing customer acceptance and account origination strategies to ensure operational compliance, effectiveness, and efficiency. Identify and mitigate emerging risks. Proficient at identifying, assessing, documenting, and testing key risks and fraud trends. If control or compliance gaps are identified, track observations internally, recommend and implement strategy or process adjustments, and work with business units, second line risk groups, and third-party stakeholders. Meet with peers, stakeholders, leadership as necessary to provide information on emerging trends and controls, compliance, and operational changes. Identify opportunities with the business unit to include in first line monitoring program. Review and identify opportunities to address unmitigated or emerging risk by monitoring control performance, staying up to date on best practices, industry changes, or through independent testing. Provide advice and complete research to bring solutions to proposed questions concerning applicable policies and regulations. Support audits and reviews by analyzing testing reports and observations and reporting findings to management. Coordinate and complete special projects as assigned. Basic Qualifications Bachelor’s degree or related experience. 3-5 years of fraud prevention experience and proficiency in Alloy used by Customer Acceptance & Fraud. Strong ability to use data for analytical analysis and adjust onboarding strategy. Strong planning, prioritizing, and multi-tasking skills with competing deadlines. Strong problem-solver with creative solutions. Effective written and oral communication skills, able to deliver clear concise messaging to appropriate levels of detail, including senior leadership. Ability to build, develop, and maintain collaborative relationships within own segment and across enterprise. Ability to develop, organize, facilitate, and monitor compliance standards and fraud trends. Ability to identify and recommend objective resolutions to problems and risk analysis. Strong knowledge of Microsoft Word, Excel, PowerPoint. Preferred Qualifications 3+ years of risk, financial crimes, or compliance experience. Strong knowledge of banking laws and regulations applicable to business unit and associated terminology. Industry recognized certification in Fraud or Financial Crimes (CAMS, CFE, CAFP) or desire to obtain. Compensation Base pay range: $81,662.00 – $134,741.00. Final compensation offer may vary based on experience, education, and skill level. Work Environment Expected to work in a hybrid capacity: in-person collaboration three days a week and remote flexibility two days a week. Work location may change based on business needs. Benefits Overview Medical, Dental, Vision Insurance 401(k) with matching contributions Time Off Programs Health Savings Account (HSA)/Dependent Care Employee Banking Growth Opportunities Tuition Assistance Short-Term/Long-Term Disability Insurance Equal Opportunity FNBO is an equal opportunity employer for all employees and applicants and makes employment decisions without regard to status or identity. FNBO follows federal law regarding the use of marijuana (for all non-California applicants). #J-18808-Ljbffr FNBO