Senior Fraud Specialist

Position Summary The Senior Fraud Specialist utilizes multiple systems/tools to research & analyze complex alerts regarding possible fraudulent account activity and make decisions accordingly. The role follows established procedures and guidelines, proactively identifies and escalates concerns/issues with a sense of urgency. ESSENTIAL DUTIES & RESPONSIBILITIES Handles more complex and/or escalated customer situations regarding possible fraudulent activity. Decision items based on judgment and research, extensive job experience, and following established procedures and guidelines, while leveraging multiple systems/tools. Place outbound calls and take appropriate action based on complex transaction characteristics or account changes. Proactively identify trends or patterns of activity related to fraud claim activity and escalate for appropriate action. Monitor financial crime risk management software to detect and prevent fraud. Provide maintenance to code fraudulent accounts with appropriate warnings. Review consumer/business accounts including transaction history, online banking, Zelle and bill pay activity for the purpose of investigating and resolving issues. Answer phone inquiries regarding fraud activity. Work with supervisor and various police agencies regarding criminal charges and court cases. Investigate and process Affidavits of Forgery pertaining to check fraud cases. Assist with monitoring and approval of Mobile Deposit Capture items. Review ATM image software for fraud. Respond to internal/external customer inquiries within 2 hours. Perform duties in compliance with applicable laws and regulations, including but not limited to the Bank Secrecy Act (BSA) and related anti-money laundering laws, and in accordance with the Bank's Information Security Program. Maintain a positive and caring atmosphere for customers and employees consistent with TBK Bank's mission and philosophy. Maintain the security and confidentiality of pertinent information and records. Continue professional development through training, seminars, membership in professional associations, as applicable. Serve as a back‑up for ATM Manager duties (e.g., deposit review and cash ordering). Serve as a back‑up for ATM/Debit card dispute processing in accordance with MasterCard Operating Regulations and REG E. Other operational duties as assigned. EXPERIENCE & EDUCATION High school diploma or general education degree (GED) required. Minimum 3 years fraud experience and/or training; or equivalent combination of education and experience. Knowledge of rules and regulations related to financial fraud and MasterCard Operating Regulations (Reg E, Reg CC, BSA). SKILLS AND ABILITIES REQUIRED Language Skills – Ability to read, write and speak English; read and comprehend simple instructions, short correspondence, and memos; write simple correspondence; effectively present information in one‑on‑one and small group situations to customers, clients, and other employees. Reasoning Ability – Apply common sense understanding to carry out instructions furnished in written, oral, or diagram form; handle problems involving several concrete variables in standardized situations. Computer Skills – Knowledge of database software, spreadsheet software, and word processing software; ability to use ten‑key number function and financial calculator. WORK ENVIRONMENT Low to moderate noise (business office with computers, phone, and printers, light traffic). Ability to work in a confined area. Ability to sit at a computer terminal for an extended period of time; occasional stooping or kneeling may be necessary. Regular standing, sitting, talking, walking, climbing or balancing; stooping, kneeling, crouching, or crawling; hearing and using hands and fingers to operate a computer keyboard and telephone. Frequently required to reach with hands and arms. May occasionally lift and/or move up to 25 pounds. Specific vision abilities required due to computer work – includes close vision. Light to moderate lifting is required. Regular, predictable attendance is required. Benefits We offer Medical, Dental, Vision, Paid Time Off, 401(k) and much more. #J-18808-Ljbffr