Financial Crimes Analyst I Southwood (Hybrid/Flex)

Capital City Bank Group, Inc.•Tallahassee, FL

4d•Hybrid

About The Position

This position is part of the Transactional Risk & Fraud Prevention department which supports the Bank’s retail deposit operations by mitigating associated risk. The primary responsibility of this position is to detect mobile and ATM deposit account fraud and prevent losses for clients and the Bank. All associates at Capital City Bank, Capital City Wealth, and Capital City Home Loans have access to confidential client information and must practice discretion at all times.

Requirements

Minimum, high school diploma or equivalent required.
Two to three years relevant experience may substitute for the education requirement.
Must be able to sit and look at computer screens for long periods
Must have schedule flexibility and willingness to work extended hours, including occasional weekends, as needed to meet the needs of the department

Nice To Haves

Prefer 2-4 year degree from an accredited college.
Self-starter, ability to work independently, prioritize, and multi-task to meet strict deadlines
Strong knowledge of Regulation CC
Working knowledge of Regulation E, FACTA, check clearing, warranties, and collections processes
Experience with Jack Henry Silverlake or comparable systems
Ability to handle stressful/demanding situations; remains calm under pressure
Excellent written and verbal communication skills
Strong analytical and investigative skills with a focus on loss mitigation and recovery
Strong attention to detail and documentation discipline
Ability to handle escalated or sensitive client situations professionally
Proficiency in Microsoft Office
Excellent interpersonal and teamwork skills
Strong analytical and problem-solving skills with focus on risk management
Understanding of electronic check clearing and collection

Responsibilities

Review of checks deposited via online banking mobile deposit and deposit-enabled ATM functionality
Determine funds availability based on account relationship and deposited items review
Secure deposit account funds by placing account holds, freezes, alerts and/or messages
Ensure compliance with Reg CC, Reg E (as applicable), and FACTA
Stay up to date on Reg CC guidelines and procedures
Responsible for decisioning of deposit approvals, denials, or deletions
Responsible for generating and analyzing mobile and ATM reports
Provide written or verbal communication to clients and internal associates
Analysis and detection of new and existing deposit account fraud through the use of account monitoring and anomaly detection systems and related reports: Suspicious or illegal transaction activity, Check forgeries and alterations, Check kiting, Fraudulent check deposits
Place appropriate account controls (holds, alerts, restrictions) to mitigate ongoing loss exposure to include account closures when necessary
Meet strict processing deadlines and expectations
Process debit card maintenance request emails/service events
Responsible for emailing and imaging hold notifications for the department
Provides additional support to manager, assistant manager, team leads and department colleagues
Participates in testing, implementation, and support of new and existing processes and systems
Contributes to process optimization initiatives to improve operational efficiency
Stay current on regulatory and rule changes (Reg CC, Reg E, ECCHO, FACTA, NACHA as applicable)
Stay current on fraud schemes, trends, scams, etc.
Completes all assigned/required Bank training within established timelines