Deposit Fraud Risk Analyst

Tri Counties Bank•Chico, CA

1d•$21 - $23

About The Position

The Deposit Fraud Risk Review Analyst is primarily responsible for the daily risk monitoring, verification, and reconciliation of imaged deposits which includes mobile, ATM and business remote deposit capture ensuring compliance with bank policies, procedures, and risk tolerance. The Deposit Fraud Risk Review Analyst is primarily responsible for the detection and prevention of fraudulent deposits on consumer and business imaged deposits. This position is also responsible for verifying signatures on check images for on-us check items and monitoring for signature verification.

Requirements

High school diploma or GED required undergraduate degree preferred.
3 + years prior banking experience and 1-year prior risk monitoring and control experience
Excel and Word experience
Detail oriented.
Excellent organizational skills to prioritize work on multiple projects.
Ability to utilize personal computers and Windows driven programs.

Responsibilities

Has developed expertise and skills through considerable work experience.
Reporting to the Deposit Clearing Manager.
Ability to work within established procedures with a minimal degree of supervision.
Fully knowledgeable on the day-to-day activities.
Carries out the task of investigating potential deposit fraud on imaged deposit product which includes consumer and business accounts. Follows department deposit review procedures reviewing each fraud risk element.
Responsible for verifying signatures for on-us check images for deposit and HELOC accounts within Fiserv software. Review can consist of signature verification, duplicate check numbers, check numbers out of range and amount out of range.
Responsible for reviewing all large dollar on-us checks, validation of each risk elements as defined in the department procedures. If validation requires assistance from the branch forwards an e-mail assistance request and follows for response.
Reviews daily report of excessive mobile deposit, researching accounts and investigates any potential fraud.
Completes a next day review of a random number of business remote deposits. Review consists of suspicious items, including potential altered checks, altered payees, duplicates, third party checks, legal and written amounts agree and any suspicious issuers.
Must work in multiple systems at once, expert at navigating tools, websites etc.
Provides prompt efficient and professional service to branches and departments.
Ability to complete assignments/tasks with attention to detail and high degree of accuracy.
Adhere to and comply with all applicable, federal, and state laws, regulations, and guidance, including those related to Anti-Money Laundering (i.e. Bank Secrecy Act, USA PATRIOT Act, etc.)
Adhere to Bank policies and procedures.
Maintains a current understanding of Bank policies and procedures in compliance with all federal and state laws, including but not limited to Bank Secrecy Act (SARs, CIP, OFAC), Information Security (GLBA), Identity Theft Red Flags, Financial Elder Abuse Reporting, and any other applicable regulations that may be specific to your job duties.
Participates in improving and updating department procedures and processes, as necessary.
Assists in training team members when necessary.
Ability to multi-task and work in fast-paced, high-volume environment.
Ability to make decisions quickly and accurately and handle multiple tasks simultaneously
Ability to work flexible work schedule
Maintains a current understanding of Bank procedures and policies.
Perform other duties as assigned