Fraud Analyst I

Origin Bank • Ruston, LA

1d

About The Position

Your Career. Your Story. Let's Write the Next Chapter Together. At Origin Bank, a job isn't just a paycheck - it's a meaningful journey. We're committed to helping you grow both professionally and personally in an environment where people come first. We offer a competitive total rewards package, including generous benefits and compensation tailored to your skills, experience, and education. What truly sets us apart is our people-first culture. Here, you'll be supported by unique initiatives like our Dream Manager program, one-on-one guidance from a nationally certified health and wellness coach, and free access to certified financial professionals who are here to help you plan for your future. If you're looking for a career that empowers you to make meaningful connections, positively impact others, and pursue your personal and professional dreams-we'd love to meet you. Apply today and start the most rewarding chapter of your career with us. Job Description A Fraud Analyst I is responsible for the day-to-day monitoring of account activity to prevent, deter, detect and investigate acts of fraud committed against the bank and its customers. Word Essential Duties and Responsibilities include the following.

Requirements

• Bachelor's degree (B. A.) from a four-year college or university preferred; at least two years of experience in a financial institution with a thorough knowledge of general fraud prevention and an understanding of banking business functions and processes; or equivalent combination of education and experience.
• Ability to read and comprehend simple instructions, short correspondence, and memos. Ability to write simple correspondence. Ability to effectively present information in one-on-one and small group situations to customers, clients, and other employees of the organization.
• Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent and to draw and interpret bar graphs.
• Ability to apply common sense understanding to carry out detailed but uninvolved written or oral instructions. Ability to deal with problems involving a few concrete variables in standardized situations.
• To perform this job successfully, an individual should have basic knowledge of computer applications such as the Internet, Outlook, Microsoft Word, Microsoft Excel and banking software. Ability to use basic office machines including 10-key, computer keyboard, telephone, fax machine and copy machine.
• Ability and judgment to interact and communicate appropriately with other employees, customers and supervisor. Ability to serve customers, both internal and external, (community/public) in a manner that will reflect superior customer relations and enhance the overall marketing effort of Community Trust.
• The employee is frequently required to stand; walk; sit; use hands to finger, handle, or feel; reach with hands and arms and talk or hear. The employee is occasionally required to stoop, kneel, crouch, or crawl. The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision and ability to adjust focus.

Responsibilities

• Process a high volume of fraud alerts daily and weekly using the banks fraud detection software. Including but not limited to alerts for check fraud, deposit fraud, ACH fraud, wire fraud, elder abuse fraud, kiting and unusual activity.
• Investigates possible fraudulent activity that has been detected through the fraud detection software, the bank’s core system, and business units of the bank.
• Opens fraud cases with the appropriate information in Verafin once fraud has been discovered.
• Appropriately responds in a timely manner to a high volume of emails and phone calls received from bank employees and others needing assistance.
• Process signature validation alerts daily.
• Reviews and investigates all debit card reorders with a recent address change.
• Review and process mobile deposits daily to detect and prevent fraud while also ensuring endorsement requirements are met.
• Completes necessary steps when mobile deposit fraud is detected by restricting accounts and online banking access, placing holds, creating fraud alerts in the fraud monitoring system, and notifying account officers.
• Completes necessary steps when mobile deposit fraud is detected by restricting accounts and online banking access, placing holds, creating fraud alerts in the fraud monitoring system, and notifying account officers.
• Completes necessary steps when mobile deposit fraud is detected by restricting accounts and online banking access, placing holds, creating fraud alerts in the fraud monitoring system, and notifying account officers.
• Reviews the external transfer relationship report, and emails account officers to have them verify the new relationships with the customer.
• Investigates and takes necessary steps to recover funds when a fraud loss occurs.
• Request updates on outstanding bank to bank claims on a regular basis.
• Retrieves and reviews surveillance footage regarding fraud related matters.
• Reviews ATM deposits for possible fraud and takes necessary steps if fraud occurs.
• Reviews cases involving potential abuse of vulnerable adults. Reports cases to Adult Protective Services or Elder Protective Services as needed.
• Reviews emails from FIS Risk Management regarding potential fraudulent Zelle or Bill Pay items. Requests bankers to verify questionable transactions with the customer as needed.
• Works incoming and outgoing Zelle disputes within the FIS Customer Service Tool (CST).
• Reviews hourly deposit report to ensure proper holds were placed on high-risk items.
• Assist with select debit card dispute duties if needed

Benefits

• competitive total rewards package, including generous benefits and compensation tailored to your skills, experience, and education
• unique initiatives like our Dream Manager program, one-on-one guidance from a nationally certified health and wellness coach, and free access to certified financial professionals who are here to help you plan for your future

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level