Fraud Analyst

Origin Bank is seeking a Fraud Analyst to join our team at our Ruston Operations Center in Ruston, LA!

Job Description

Summary: Responsible for the day to day monitoring and detection of fraud, kiting, and Reg E Dispute tracking by performing the following duties.

Essential Duties And Responsibilities Include The Following

• Daily monitoring and detection of fraud and kiting through the use of the Fraud & Kite software, core system reports, alerts, and other tools.
• Investigates possible fraudulent activity that has been detected through the fraud detection software, the bank’s core system, and business units of the bank.
• Investigates fraud alerts sent as QAR’s from banking centers.
• Assists other bank employees with fraud related issues.
• Reviews all debit card disputes and contacts the customer if more information is needed.
• Requests refunds from merchants for debit card disputes.
• Investigates disputed debit card transactions and submits chargebacks if necessary.
• Ensures all debit card dispute decisions comply with Reg E guidelines.
• Monitors the debit card dispute GL to ensure outstanding disputes are cleared, and contacts core support on outstanding items when necessary.
• Logs monthly debit card dispute totals.
• Reviews and investigates Address Analysis suspects to monitor possible identity theft.
• Reviews and investigates all debit card reorders with a recent address change.
• Processes mobile deposits that need approvals.
• Monitors mobile deposits made throughout the day to detect and prevent mobile deposit fraud.
• Completes necessary steps when mobile deposit fraud is detected by restricting accounts and online banking access, placing holds, creating fraud alerts in the fraud monitoring system, and notifying account officers.
• Conducts signature validation in Image Center.
• Verifies new accounts opened in Online Account Creation (OAC)
• Reviews and investigates Remote Deposit Capture transactions on the Limit Exception Report for high risk deposit customers.
• Keeps in contact with account officers of fraudulent accounts and other departments to make sure necessary steps are taken to reduce exposure and have the account closed
• Reviews check scenarios daily in fraud monitoring system.
• Reviews Internal/External Transfer reports to detect possible fraud.
• Investigates and takes necessary steps to recover funds when ACH or Wire fraud is detected.
• Retrieves and reviews surveillance footage regarding fraud related matters.
• Assigns an exempt status in fraud monitoring software for new Positive Pay customers.
  
  

Supervisory Responsibilities

• This job has no supervisory responsibilities.
  
  

Competencies

To perform the job successfully, an individual should demonstrate the following competencies:

• Analytical and Design – Collects and researches data; Demonstrates attention to detail.
• Problem Solving - Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Develops alternative solutions.
• Interpersonal Skills/Customer Service - Maintains confidentiality; manages difficult or emotional customer situations; Responds promptly to customer needs; Meets commitments.
• Oral and Written Communication - Responds well to questions; Writes clearly and informatively; Able to read and interpret written information.
• Teamwork - Balances team and individual responsibilities; Contributes to building a positive team spirit; Able to build morale and group commitments to goals and objectives; Supports everyone's efforts to succeed.
• Organizational Support - Follows policies and procedures; Completes administrative tasks correctly and on time; Supports organization's goals and values; Supports affirmative action and respects diversity.
• Judgment and Motivation - Displays willingness to make decisions; Exhibits sound and accurate judgment; Supports and explains reasoning for decisions; Includes appropriate people in decision-making process.
• Planning/Organizing - Prioritizes and plans work activities; Uses time efficiently; Sets goals and objectives; Organizes or schedules other people and their tasks.
• Professionalism - Approaches others in a tactful manner; Reacts well under pressure; Treats others with respect and consideration regardless of their status or position; Accepts responsibility for own actions.
• Quality and Quantity - Demonstrates accuracy and thoroughness; Looks for ways to improve and promote quality.
• Attendance/Punctuality and Dependability - Is consistently at work and on time; Follows instructions, responds to management direction; Commits to long hours of work when necessary to reach goals.
• Adaptability, Initiative and Innovation - Adapts to changes in the work environment; Manages competing demands; Asks for and offers help when needed; Generates suggestions for improving work.
  
  

Qualifications

• To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.
• The requirements listed below are representative of the knowledge, skill, and/or ability required.
• Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
  
  

Education And/or Experience

• Bachelor's degree (B. A.) in business-related field from four-year college or university preferred; two to five years financial institution operations risk management experience, or operations role with a thorough knowledge of internal control techniques and understanding of business functions and processes; or equivalent combination of education and experience.
  
  

Language Skills

• Ability to read and comprehend simple instructions, short correspondence, and memos.
• Ability to write simple correspondence.
• Ability to effectively present information in one-on-one and small group situations to customers, clients, and other employees of the organization.
  
  

Mathematical Skills

• Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals.
• Ability to compute rate, ratio, and percent and to draw and interpret bar graphs.
  
  

Reasoning Ability

• Ability to apply common sense understanding to carry out detailed but uninvolved written or oral instructions.
• Ability to deal with problems involving a few concrete variables in standardized situations.
  
  

Computer Skills

• To perform this job successfully, an individual should have basic knowledge of computer applications such as the Internet, Outlook, Microsoft Word, Microsoft Excel and banking software.
• Ability to use basic office machines including 10-key, computer keyboard, telephone, fax machine and copy machine.
  
  

Customer Service Skills

• Ability and judgment to interact and communicate appropriately with other employees, customers and supervisor.
• Ability to serve customers, both internal and external, (community/public) in a manner that will reflect superior customer relations and enhance the overall marketing effort of Community Trust.
  
  

Physical Demands

• The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.
• Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
• While performing the duties of this job, the employee is frequently required to stand; walk; sit; use hands to finger, handle, or feel; reach with hands and arms and talk or hear.
• The employee is occasionally required to stoop, kneel, crouch, or crawl. The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds.
• Specific vision abilities required by this job include close vision and ability to adjust focus.
  
  

Work Environment

• The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job.
• Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
• The noise level in the work environment is usually moderate.
• This job description reflects management's assignment of essential functions. It does not prescribe or restrict the tasks that may be assigned.
• Origin Bank shall, in its discretion, modify or adjust the position to meet the Bank’s changing needs. This job description is not a contract and may be adjusted as deemed appropriate in the Bank’s sole discretion.
  
  

Please visit our Origin Bank careers page to review the job description in its entirety.

Origin Bank is an equal opportunity employer based not discriminate in hiring or employment based on race, color, sex, age, marital or veteran status, non-job related disability, religion, national origin, genetic information, or any other basis protected by law.

About Origin Bank

Deeply rooted in Origin’s history is a culture committed to providing personalized, relationship banking to businesses, municipalities, and personal clients to enrich the lives of the people in the communities it serves. Origin offers a broad range of financial services and currently operates 60 locations throughout Texas, Louisiana, Mississippi, Alabama and the Florida panhandle. In today’s banking landscape, technology is the rule – human interaction and genuine relationships are the exception. Origin Bank delivers on both.