Card Investigator

ANB Bank has financial strength embodied in $3 billion in assets and is a true community bank with an unwavering commitment to excellence. The bank helps each of its communities prosper through investment, sponsorship, philanthropy, and employee volunteerism. It is a passion ANB has for banking that makes the difference. 

ANB Bank hires individuals who provide excellent customer service and build meaningful relationships with our customers and within our communities. ANB is committed to rewarding our team members who strengthen our company and culture. ANB offers competitive compensation and a comprehensive benefits package for this position.

• Hiring Pay Ranges:  
  • Card Investigator – $22.00- $28.50 per hour
    
    • The hiring pay range for this position is commensurate with the level of relevant experience and education.   
    • This position may be eligible to receive an additional $1.00 per hour if approved for the Spanish Communication Assistant Program. 

Health & Wellness Benefits (Subject to Eligibility Requirements)

• Minimum 4 Weeks of Paid Time Off (PTO)
• 11 Paid Holidays
• Medical, Dental, and Vision Insurance 
• Health Savings (HSA), Flexible Spending (FSA), and dependent care spending accounts 
• Company provided Life, AD&D, and Disability Insurance with supplementation options 
• 401(k) plan with discretionary company match and profit sharing 
• Discretionary annual bonus and employee referral incentives
• Employee Assistance Program (EAP) 
• Tuition Reimbursement Program 
• Spanish Communication Assistant Program Incentive

Summary 

• The Card Investigator is a subject matter expert who helps customers fight fraudulent debit card charges, stands up to improper merchant charges, and fights for ANB to recover invalid ACH and debit transactions.  Investigate suspicious debit card and ACH transactions, working with the Fraud and BSA departments.  Analyze trends in fraudulent charges to help protect the bank’s customers.

Essential Duties and Responsibilities 

• Performs daily tasks as necessary and as assigned by the Card Services Supervisor and/or Operations Officer, to include, but not limited to:
  • Dispute investigations & processing;
  • Customer interviews;
  • Outbound verification calls;
  • Account restriction, closures;
  • Transactional and access monitoring;
  • Assisting internal and external customers;
  • Debit card and related product maintenance.
• Develop and maintain a working comprehension of all department tasks and workflows.
• Refers completed fraud disputes to the Fraud and/or BSA Department to meet regulatory compliance.
• Maintains a current knowledge and consistent compliance with Bank Secrecy Act (BSA) requirements, as well as knowledge and consistent compliance with Regulation E, Visa Rules, NACHA Rules, other banking regulations and Bank policies and procedures related to the position.
• Delivers quality of service as defined by department standards.
• Maintains confidentiality as defined by department standards.
• Supports the company’s Mission, Vision, and Values. 
• Creates and edits department procedures and/or communications
• Performs required duties with minimal direction and supervision. 
• Acts as primary trainer.
• Helps teammates with escalations.
• Assists supervisor with quality control reviews and monitoring of daily tasks.
• Demonstrates ability to identify areas of improvement in current department processes to create efficiencies, minimize errors and/or lower risks.
• Consistently demonstrates commitment to accuracy, productivity and continuous improvement.
• Completes general ledger tasks.
• Leads projects, with management oversight.
• Other duties may be assigned.

Education and/or Experience

• Three years of financial industry or law enforcement experience or two years anti-financial crimes experience (i.e. BSA, Fraud, Cards).
• High school diploma or general education degree (GED)required.  Bachelor's degree preferred.
• Advanced experience (i.e. 3 years) with Microsoft Office Suite: Word, Excel, Outlook, and PowerPoint preferred.
• Advanced understanding of banking products, services, forms, and regulations preferred.

Equal Opportunity Employer / Affirmative Action / Minorities / Female / Disabled / Veteran

ANB Bank is committed to providing Equal Opportunity in Employment. The Bank is continually trying to improve recruitment, employment, development and promotional opportunities for its employees. Our selection decisions are based on job-related factors and not on the basis of age, race, sex, color, religion, national origin, disability, sexual orientation, veteran status, pregnancy, marital status, genetic information, gender identity, or any other status protected by federal, state, or local law. 

ANB Bank complies with the Equal Pay for Equal Work Act.  ANB Bank requests that Applicant not disclose its wage rate history to ANB Bank.  If ANB Bank for any reason comes into possession of Applicant’s wage rate history, ANB Bank will not rely on it in determining a wage rate. ANB Bank requests that applicant not provide information on age, date of birth or graduation date from any academic institution, including on resumes. 

Anticipated Date of Application Window Closure: 05/24/2025 (or until filled)

Salary : $22 - $29