Associate Fraud Investigator

NBT Bank•Utica, NY

7d•$23 - $30

About The Position

The Associate Fraud Investigator investigates external fraud involving check fraud, identity theft, online fraud, and cyber fraud as assigned by a supervisor or manager. The role assists with decisions and duties related to fraudulent applications, transactions, and customer fraud claims, and develops solutions using experience and established procedures. The investigator researches high-risk transactions across payment channels, reviews internal fraud monitoring reports, processes victim claims and provisional credits, and maintains case records. The role also provides support to branches, call centers, and members; communicates with customers, banks, and law enforcement; and helps deliver fraud-related training and updates on current trends and scams.

Requirements

Strong organizational, communication, analytical, and personal computer skills, especially Microsoft Excel.
Ability to research and analyze data and recognize and evaluate patterns in customer activity.
Ability to develop investigative skills and a beginning understanding of fraud types in a banking environment, including deposit fraud, internal fraud, card fraud, ACH and wire fraud, kiting, and money laundering.
Ability to present information and case details professionally and communicate with law enforcement, prosecutors, officers of the court, and Adult Protective Services as needed.
Ability to multitask and work on multiple inquiries and investigations simultaneously.
Ability to communicate professionally with customers.
Applicants must be authorized to work for any employer in the United States; visa sponsorship is not available.

Nice To Haves

Experience investigating various types of fraud at a financial institution.
Bachelor’s degree in Economic/Financial Crime or Criminal Justice, or equivalent work experience.

Responsibilities

Research and analyze high-risk transactions across payment channels to identify potential fraud cases.
Research and analyze fraudulent activity involving consumer and business accounts referred by other departments.
Review internal fraud monitoring reports to identify and mitigate fraud events, including counterfeit checks, mobile deposits, kiting, debit card fraud, and elder fraud.
Maintain and update the case management system with fraud case information.
Analyze the performance of fraud alerting strategies and recommend new or additional actions.
Process victim fraud claims involving checks, forgeries, debit cards, ACH, wires, and other matters, including processing provisional credits on member fraud claims.
Provide phone support to branches, the call center, and members on fraud-related matters.
Conduct risk, fraud, and security training and education, and provide organizational updates about current fraud trends and scams.
Communicate with customers, banks, and law enforcement through channels such as phone and email.
Perform other duties as assigned.

Benefits

Generous paid time off, at least 22 days annually for full-time employees, prorated in the year of hire.
Six weeks of paid parental leave at 100% of salary.
Medical coverage, including employer HSA contributions for participants in the High Deductible Health Plan.
Dental and vision coverage.
Flexible spending accounts for healthcare and dependent care expenses.
Employer-paid short-term and long-term disability coverage, with an option to purchase additional long-term coverage.
Employer-paid basic life insurance, with an option to purchase supplemental coverage.
Voluntary hospital, accident, and critical illness coverage.
401(k) plan with employer matching, optional Roth 401(k), and a pension plan.
Adoption assistance.
Tuition reimbursement.
Employee Assistance Program.
Pet insurance.
Banking services benefits and financial planning assistance.
Wellness initiatives and flexible work arrangements.
Performance-based incentives.