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Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in fraud prevention and detection within banking operations, with a strong focus on regulatory compliance and effective communication. Proficient in monitoring transactions, investigating fraud cases, and preparing detailed reports to minimize financial losses.
Highest-signal resume keywords
Fraud InvestigationRegulation E KnowledgeACH Transaction ProcessingMicrosoft Excel ProficiencyCommunication Skills
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Fraud PreventionFraud DetectionACH ProcessingCard ProcessingRegulatory ComplianceFraud ReportingTransaction MonitoringInvestigation TechniquesData AnalysisRisk Assessment
Soft Skills
Organizational SkillsWritten CommunicationVerbal CommunicationInterpersonal SkillsProject Management
Tools & Technologies
Centrix DTSCOCC Core InsightMicrosoft OutlookMicrosoft WordMicrosoft Excel
Industry Keywords
Bank FraudDeposit RegulationsNACHA Operating RulesP2P TransactionsATM ServicesOnline BankingFraud ProceduresCash ManagementElectronic ServicesRegulatory Guidelines
About the role
Key responsibilities & impact- 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
Requirements
What you’ll need- Bachelor’s degree preferred in business, finance, or related field and/or three (3) to five (5) years’ experience in bank fraud investigations or some comparable combination of education and experience
- Experience with MasterCard and/or Visa card debit card processing preferred
- Knowledge of Deposit Regulations, primarily Regulation E, CC, and J
- Strong written and verbal communication skills
- Ability to create clear and concise summary documents of ongoing investigations
- Strong organizational skills and ability to handle multiple projects efficiently
- Ability to interact and communicate effectively with all management levels
- Knowledge of state and federal bank regulations and compliance requirements
- Knowledge of the COCC Core Insight system preferred
- Ability to operate a PC
- Proficiency in Microsoft Outlook, Word, Excel, and other software programs
- Knowledge of Microsoft programs preferred
- Ability to work in a general office environment
Benefits
Comp & perks- Reasonable accommodations in compliance with the Americans with Disabilities Act of 1990