FIU Fraud Analyst

Capital Bank Career•Rockville, MD

4d•Remote

About The Position

The FIU Fraud Analyst within the FIU team will play a vital role in our corporate initiatives to monitor, track, and communicate fraud trends and initiatives across our entire enterprise. This role will join a team at the forefront of limiting fraud exposure both internally at Capital Bank NA as well as externally with our business partners. This role will be responsible for operational processes, and various fraud schemes. This is a highly autonomous individual and will manage/maintain priorities based on risk assessments and goals set by upper management.

Requirements

1-3 years of experience in fraud detection, transaction monitoring, or bank operations, preferably within a commercial or financial- services environment.
Working knowledge of common fraud typologies, including wire fraud, ACH fraud, check fraud, and online banking/account takeover activity.
Associate or bachelor’s degree in business, Finance, Criminal Justice or a related field
Prior experience supporting commercial customers
Basic awareness of how fraud activity can intersect with BSA/AML requirements and the importance of following established escalation protocols.
Experience reviewing fraud alerts from platforms such as Verafin, Guardian Analytics, NICE Actimize, Fiserv, or similar systems.
Basic proficiency with banking systems and technology, including case management tools, transaction monitoring systems, and Microsoft office.
Ability to analyze transactional data and customer account activity to make timely, accurate decisions in a high-volume environment.
Strong attention to detail and documentation skills, with the ability to clearly record investigative finds and rationale in case-management systems.
Ability to meet production and quality expectations, including alert volumes, turnaround times, and accuracy standards.
Strong time-management and organizational skills, with the ability to prioritize workload and manage multiple alerts simultaneously.

Nice To Haves

Prior experience supporting commercial customers
Basic awareness of how fraud activity can intersect with BSA/AML requirements and the importance of following established escalation protocols.

Responsibilities

Review and clear fraud alerts generated from monitoring systems related to wires, ACH, online banking activity, check fraud, and other transactional fraud typologies, in accordance with established procedures and service-level expectations.
Analyze transactional activity to determine whether alerts represent legitimate customer behavior or potential fraud, using available system data, customer profiles, and prior account history.
Document investigative findings clearly and consistently within case-management systems, ensuring accurate decisioning, rationale, and audit-ready records.
Escalate suspicious or confirmed fraud activity in a timely manner to senior analysts, fraud management or other appropriate stakeholders based on defined escalation criteria.
Collaborate with internal partners (e.g., operations, customer service, wire teams) as needed to obtain additional information or support timely fraud resolution.
Comply with all bank policies, procedures and regulatory requirements related to fraud detections, documentation and customer protection.