Fraud & Claims Operations Consultant

Wells Fargo•Charlotte, NC

8h•Hybrid

About The Position

Wells Fargo is seeking a Fraud Consultant within Fraud and Claims Operations to support the Commercial & Corporate Banking Payments Fraud organization. The role reviews wire transfers, ACH transactions, Instant Payments, and account compromise events across multiple channels to mitigate fraud risks for Commercial and Corporate clients. The consultant conducts investigations and root cause analysis on fraud events, claims, policy violations, and other high-risk situations. They analyze commercial payment activity and account history, identify suspicious patterns and emerging fraud schemes, investigate account compromise and cyber or payment fraud, and recommend ways to strengthen controls and improve processes. The position collaborates across Fraud & Claims Operations, Treasury Management, Legal, Risk, Compliance, and other business groups, and contributes to fraud prevention initiatives and strategy development. The position follows a hybrid schedule of three days in the office and two days remotely, based on the listed location. The stated schedule is Monday through Friday, 9:00 a.m. to 6:00 p.m. ET, with some flexibility; additional hours may be needed. The role is based at the specified Wells Fargo location in Charlotte, North Carolina. It is not eligible for visa sponsorship, and relocation assistance is unavailable.

Requirements

At least 2 years of experience in Fraud, Investigations of Fraud, Claim Transactions or Policy Violations, Risk Management, or Compliance, or equivalent demonstrated through work experience, training, military experience, education.

Nice To Haves

Experience supporting Treasury Management products and services for commercial and corporate clients, including ACH origination, payment processing, and wire transfers.
Knowledge of commercial payment processing, including ACH transactions, wire transfers, and large-value payment activity.
Experience reviewing and researching commercial account activity, transaction history, and payment exceptions.
Experience with payroll processing, including large batch payroll files and ACH payroll transactions.
Understanding of fraud risks associated with commercial payments, account compromise, business email compromise (BEC), and cyber-enabled fraud.
Experience investigating wire fraud, ACH fraud, account takeover, payment fraud, or unauthorized transactions.
Ability to identify suspicious activity, fraud patterns, trends, and anomalies across transactions and customer relationships.
Strong analytical, investigative, and problem-solving skills with a high level of attention to detail.
Strong research, documentation, and case management skills.
Experience collaborating with business partners, operational teams, and risk stakeholders to resolve complex fraud matters.
Experience with fraud detection and case management tools such as Actimize, Hogan, ServiceView, or similar platforms.
Familiarity with commercial banking clients, including middle-market, large corporate, and institutional customers.

Responsibilities

Conduct investigative research and root cause analysis on fraud events, claims, policy violations, and other high-risk situations impacting commercial clients.
Review and analyze wire transfer activity, ACH transactions, payroll payments, and account history to identify suspicious patterns and potential fraud.
Detect trends, anomalies, and emerging fraud schemes through detailed examination of transactional and relationship data.
Investigate incidents involving account compromise, cyber fraud, and payment fraud affecting commercial customers.
Recommend ways to mitigate fraud risks, strengthen controls, and improve business processes and procedures.
Collaborate with partners across Fraud & Claims Operations, Treasury Management, Legal, Risk, Compliance, and other business groups.
Support fraud prevention initiatives through research, analysis, and continuous improvement efforts.
Manage investigations using independent judgment and contribute to fraud strategy development.
Follow applicable Wells Fargo risk programs, policies, and procedures; fulfill risk and compliance obligations; and escalate and remediate issues as appropriate.