Dime Bank

Analyst

• Support the bank’s digital banking and operations fraud prevention and detection services
• Minimize exposure to fraud and potential monetary losses across ACH, P2P, RTP, ATM, card services, check, mobile/online banking, Reg E claims, and deposit account payment channels
• Monitor and investigate real-time fraud alert queues and identify high-risk transactions
• Monitor online banking reports to identify unauthorized transactions and fraudulent accounts
• Investigate check and deposit fraud, debit card and checking irregularities, returned deposited items, wire and ACH activity, check kiting, new account fraud, commercial and consumer loan fraud, and other suspicious activity
• Review and approve online banking external transfers, including RTP, P2P, and A2A
• Process daily ACH transaction errors, exceptions, and unauthorized-transaction returns in accordance with regulatory guidelines and NACHA operating rules
• Process card and ACH disputes within Centrix DTS, including chargebacks and ACH returns
• Collaborate with the debit card processor and team to prevent fraud and support recovery efforts for account takeovers and brute-force attempts
• Liaise with law enforcement, agencies, and partners as required
• Act as backup to the Security Officer for the Entre system
• Complete daily operational duties, identify red flags, and record findings
• Monitor cash items daily and prepare management reports
• Assist with developing and updating fraud procedures and communicate changes to staff
• Prepare monthly management reports covering fraud cases, losses/recoveries, and fraud types
• Provide backup support for cash management customers regarding ACH origination files, transaction exceptions, electronic services, Remote Deposit Capture, Lockbox, Wires, Positive Pay, and system functionality
• Perform other job-related duties as assigned

Digital Banking Fraud Analyst

Account Manager

• Coordinate and participate in the development, sales, implementation, facilitation, and servicing of Cash Management services
• Serve as a liaison between commercial customers and the bank for sales and servicing
• Work with Commercial Lending, Retail Banking, eBanking, Deposit Operations, and system vendors on sales opportunities, implementations, support, and technical issues
• Analyze customer product needs and conduct cash management product and fee analyses
• Prepare welcome packages and onboarding kits for new customers
• Recommend credit underwriting standards and establish credit file limits
• Complete account-opening documentation, installation, file mapping, and testing of customer files
• Train customers on product usage, best practices, and security standards
• Prepare the annual ACH originator training program
• Coordinate business-unit activities supporting bank growth targets
• Conduct sales visits with prospects and existing customers
• Originate, grow, and maintain a portfolio of commercial deposit customers through referrals, self-sourcing, community involvement, and existing customer expansion
• Serve as a trusted advisor and provide strategic cash management recommendations
• Support growth of the commercial service charge portfolio, core deposits, and lending referrals
• Assist Deposit Operations and eBanking teams with customer support and servicing
• Handle escalated customer issues and champion resolutions
• Track sales and service activity, pipeline data, and product performance; present updates to management
• Develop product improvements, solutions, business plans, and enhancements
• Conduct annual customer site visits and coordinate annual reviews
• Build awareness of Dime Bank’s Cash Management services and evaluate competitors
• Recommend pricing for deposit products and cash management services
• Support new deposit product and service development projects
• Attend meetings, seminars, and conferences as needed
• Monitor cash management developments, trends, regulations, and compliance matters
• Represent the Bank in committees and community and industry activities
• Complete required training and perform other support duties as needed
• Provide responsive service in accordance with Bank policies, values, regulatory guidelines, and procedures

Cash Management Relationship Manager

Customer Support

• Coordinate and participate in the sales, development, facilitation, implementation, and servicing of Cash Management services
• Provide customer service, troubleshoot issues, and support internal and external customers
• Research bill payments, Intuit/QuickBooks, and security-token issues
• Serve as subject matter expert and liaison for Dime Bank’s Cash Management products and services
• Manage and support timely setup, implementation, and initial training of new cash management customers
• Maintain consultative relationships with cash management customers
• Support onboarding of new customers across various systems
• Review signed agreements, credit underwriting standards, credit file limits, analysis and fee setup
• Support customers with ACH origination files, transaction exceptions, transmission errors, electronic services, account analysis, Remote Deposit Capture, Lockbox, Sweeps, Wires, Intrafi, Positive Pay, and system functionality
• Review daily Lockbox, Positive Pay, and ACH Origination exception items and communicate decisions to customers
• Prepare annual review documentation to ensure customer volumes align with approved risk limits
• Conduct daily reviews of Remote Deposit Capture deposits
• Analyze cash management product and service sales and service performance
• Support establishment of new or updated services for existing business cash management customers
• Assist with customer onboarding training
• Support the Cash Management Relationship Manager, Retail Banking Managers, and Commercial Loan Officers
• Assist in testing and implementing new products, services, updates, and releases
• Support Deposit Operations and Digital Banking with customers’ normal deposit banking activity
• Review cash management procedures and forms annually and recommend updates
• Back up daily ACH transaction-error and exception processing, including unauthorized-transaction returns, in accordance with regulatory guidelines and NACHA rules
• Maintain knowledge of federal and state laws, regulations, and bank policies
• Ensure compliance with applicable laws, rules, and regulations
• Perform other assigned job-related duties

Digital Banking Fraud Analyst

Cash Management Relationship Manager

Cash Management Support Specialist