Operations Fraud Analyst

Burke & Herbert Bank & Trust•Camp Hill, PA

3d•Onsite

About The Position

Protects customers and the bank by detecting fraud early and strengthening fraud prevention practices across payment programs.

Requirements

Minimum two years’ experience in retail banking or banking operations required
High school diploma or equivalent
Working knowledge of ACH, wire transfers, Zelle, online banking, and check processing
Understanding of regulatory and network requirements
Core banking system familiarity
Strong analytical skills with the ability to detect patterns and anomalies
High attention to detail with strong documentation and organizational skills
Proficiency with Microsoft Office (Word, Excel)
Strong written and verbal communication skills

Nice To Haves

Prior experience in fraud operations, deposit operations, ACH, card services, or back-office banking preferred
Experience working across internal teams in a fast-paced operational environment

Responsibilities

Detect, investigate, and respond to fraud activity across payment and deposit channels to minimize customer impact and financial loss
Strengthen fraud prevention controls by identifying trends, control gaps, and emerging fraud risks
Ensure accurate disposition of fraud alerts in accordance with regulations, network rules, and internal procedures
Support branches and internal partners with timely, well-documented fraud analysis and decisioning
Review and disposition fraud alerts for ACH, Wire Transfers, Zelle, Online Banking, and Check transactions in accordance with bank policies and risk thresholds
Analyze transaction activity, account history, and customer behavior to identify potential fraud, account takeover, or unauthorized transactions
Determine and execute appropriate actions, including approvals, account restrictions, blocks, returns, and escalations
Perform transaction‑specific reviews: ACH: Identify unauthorized or suspicious debits and credits; initiate returns and adjustments in accordance with NACHA rules
Wires: Review high‑risk, duplicate, or socially engineered wire activity; verify changes to instructions or beneficiaries
Zelle: Investigate alerts related to scams, account takeover, and suspicious person‑to‑person payment activity
Online Banking: Monitor unusual login behavior, device changes, velocity anomalies, and transaction deviations
Checks: Identify counterfeit, altered, forged, duplicate, or encoding‑related items
Coordinate with branches, customer service, digital banking, and deposit operations to resolve fraud alerts efficiently
Document investigations, decisions, and actions clearly and accurately to support internal controls, audits, and regulatory reviews
Assist with fraud‑related account controls, customer notifications, and loss mitigation efforts
Monitor fraud trends and escalate emerging risks or control weaknesses to management
Ensure confidentiality of all information obtained during fraud investigations
Other duties as assigned