Deposit & Payment Risk Specialist

Poppy Bank•Roseville, CA

9h•$23 - $35•Onsite

About The Position

We are building our Deposit & Payment Risk Specialist Team in Roseville! Depending on experience, you could be the next Deposit & Payment Risk Specialist II, or III. Please see below for more details and we look forward to connecting with you! Apply today! Summary: Deposit & Payment Risk Specialist II: Under the general direction of the VP–Deposit & Payment Risk Manager, the Deposit & Payment Risk Specialist II performs advanced fraud-detection and risk-mitigation activities across all business lines of the Bank. This role conducts more complex investigations, independently analyzes transactional fraud patterns, and makes informed recommendations to prevent loss and improve controls. The Specialist II also serves as a subject resource for Level I team members, providing guidance on processes, fraud-prevention tools, and case handling. This individual is cross trained and will act as back up for all tasks in the back-office operations departments. This position requires that the individual work in office. Ensures compliance within all Bank policies and procedures, as well as all applicable state and federal banking regulations. Summary: Deposit & Payment Risk Specialist II: Reporting to the VP–Deposit & Payment Risk Manager, the Deposit & Payment Risk Specialist III serves as a senior-level operational expert responsible for leading complex fraud investigations, identifying emerging fraud trends, and contributing to the continuous enhancement of risk-mitigation strategies bank-wide. This role independently handles the most sensitive and high-risk cases, collaborates with internal partners to close control gaps, and provides advanced analytical insight to support decision-making. The Specialist III acts as a senior resource to Levels I and II, offering training, procedural guidance, and expertise in fraud-prevention systems and regulatory expectations. Fully cross-trained in all back-office operational functions, this position provides high-level backup and supports the department in developing best practices and process improvements. This position requires that the individual work in office. Ensures compliance within all Bank policies and procedures, as well as all applicable state and federal banking regulations.

Requirements

Minimum 3 years of risk experience with a financial institution
Minimum 3 years of operations experience with a financial institution
Requires proficiency with Microsoft Office Suite including Word, Excel, and Outlook
Ability to maintain regular attendance and work scheduled hours
Ability to multi-task in a fast-paced environment
Minimum 5 years of risk experience with a financial institution
Minimum 5 years of operations experience with a financial institution

Responsibilities

Monitor, identify, measure, analyze, and mitigate the risk of losses associated with check processing, online banking, ACH processing, wire transfers, other electronic transfers, and all other electronic services
Identify emerging fraud patterns and recommend proactive countermeasures
Monitor all deposit and payment risk applications and associated reports within fraud prevention tools including but not limited to Sentinel, Patrol and Oasis and all available loss prevention and detection reports
Conduct high level investigations of client accounts, documenting findings and making recommendations for further action
Coordinates with clients and branches to ensure all security protocols are followed for online banking
Handle high-impact client situations requiring advanced problem-solving, professional judgment, and sensitive communication
Provides support and guidance to Deposit & Payment Risk Specialists I as needed
Completes complex SAR referrals as needed
Ensure procedures for loss mitigation are properly documented and kept current
Demonstrate superior client service along with appropriate follow-through with internal and external clients
Completes administrative tasks correctly and on time; supports the Bank’s goals and values
Cross trains and possesses the ability to back up technical operational areas including but not limited to: ACH receiving and origination; incoming and outgoing wire transfers, mobile deposit, consumer and commercial online banking and remote deposit capture
Expert at monitoring all deposit and payment risk applications and associated reports within fraud prevention tools.
Expert at navigating risk identification platforms such as Sentinel, Patrol and Oasis and all available loss prevention and detection reports
Expert at conducting thorough investigations of client accounts, documenting findings and making recommendations for further action
Completes complex SAR referrals as needed and utilizes resources and systems provide details
Interview clients to identify potential losses, obtain proper documentation and conduct account loss remediation
Manage escalated or high-risk client situations involving complex fraud scenarios, providing guidance and high-touch service. Supports leadership by ensuring procedures for loss mitigation are properly documented and provides recommendations for refinement
Partners with leadership to create and/or complete reports for all losses, ensuring the proper time frames are followed
In the absence of the VP, completes administrative tasks correctly and on time; supports SVP as needed to achieve department goals and objectives
Cross trains new team members and serves as SME for Deposit and Payment Risk department
Minimum of 10 hours CRA volunteer hours per year. Volunteer hours are typically scheduled within business hours. This is compensable and mileage is reimbursed
Other duties as assigned