Senior Fraud Operations Specialist
About The Position
The Senior Fraud Operations Specialist leads complex fraud investigations and resolves consumer-reported fraud claims in accordance with Regulation E (Reg E). The role monitors and analyzes high-risk activity across ACH, checks, deposits, wires, P2P, and online banking to identify and mitigate fraud exposure. The senior specialist serves as an escalation point for complex cases, supports audit and compliance efforts, and contributes to departmental training and process improvement. The position assists the Fraud Operations Manager in ensuring adherence to bank policies, regulatory requirements, and internal quality standards. The role is mainly performed at Axiom Bank’s Maitland, Florida location, with the opportunity for a hybrid work arrangement. The incumbent is expected to work Monday through Friday; occasional evening and weekend work may be required.
Requirements
- High school diploma or GED equivalent.
- Minimum of 2–3 years of fraud operations or investigation experience within a financial institution.
- Direct experience handling Reg E debit card disputes and cross-channel fraud detection.
- Strong understanding of Reg E regulatory requirements, fraud claim workflows, and dispute resolution practices.
- Ability to identify patterns in unauthorized activity across multiple payment and digital channels.
- Clear and professional verbal and written communication skills.
- Proven ability to manage competing deadlines and resolve escalated cases accurately and efficiently.
- Strong judgment and analytical skills in assessing risk and making fraud decisions.
- Leadership qualities with the ability to coach and guide junior staff.
- Proficiency in Microsoft Office Suite, including Outlook, Word, and Excel.
- Ability to adapt in a fast-paced, compliance-driven environment.
Nice To Haves
- Two years of college in a business-related field is preferred.
Responsibilities
- Investigate and resolve Reg E debit card fraud claims, including complex and high-dollar cases.
- Monitor daily fraud reports and alert queues to identify abnormal activity across ACH, check, deposit, wire, P2P, and online banking channels.
- Analyze account activity to detect indicators of account takeover, synthetic identity, or repeated unauthorized use.
- Handle inbound and outbound calls related to fraud alerts to verify transactions and gather necessary information.
- Issue provisional and final credits in accordance with regulatory guidelines and internal timelines.
- Maintain thorough documentation of fraud claims, investigative actions, decisions, and outcomes.
- Escalate and consult on emerging fraud trends or systemic issues with the Fraud Operations Manager.
- Collaborate with banking centers, operations teams, and third-party service providers as needed during fraud reviews.
- Assist with general ledger reconciliation, chargeback preparation, and fraud loss tracking.
- Train and mentor junior fraud staff and contribute to internal knowledge sharing.
- Support process documentation, policy updates, and preparation for audits or compliance reviews.
- Participate in fraud trend analysis, case reviews, and continuous improvement initiatives.
Benefits
- 12 paid holidays
- Generous paid time off
- 4% match on 401(k)
- Medical, dental, and vision benefits
- 100% company-paid life and AD&D insurance
- Short- and long-term disability insurance
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What This Job Offers
Job Type
Full-time
Career Level
Senior
Education Level
High school or GED
