What are the responsibilities and job description for the Electronic Banking Fraud Specialist (FT) position at The Juniata Valley Bank (JVB)?
Description
Description
Our Story
Located in central and northern Pennsylvania, Juniata Valley Bank opened for business on August 5, 1867, well over 150 years ago! In the early years, we merged with other financial institutions and in more recent years acquired community banks to form what we are today – a financial institution with deep roots, progressive processes and products, accessible leadership, and above all else, an unwavering commitment to our people and the communities we serve.
Electronic Banking Fraud Specialist Details:
- Employee Type: Full-time, Non-exempt
- Schedule: Schedules are completed one month in advance and communicated to staff.
- Minimum Starting Pay Rate: $18.08 per hour to start; pay will be commensurate with experience
- Annual Merit Increases: JVB employees receive an annual performance evaluation, and a merit increase annually.
Check out our Full-time benefits/perks for an Electronic Banking Fraud Specialist!
- Benefits: Health Insurance, Dental, Vision, STD, LTD, Life Insurance etc.
- Paid Time Off (PTO): PTO is given to all full-time and part-time employees! For full-time positions, PTO starts at 16 days (128 hours) per year and for part-time positions, PTO is based on the number of hours that are worked in a calendar year. The more you work, the more you get the following year!
- Volunteer Time Off (VTO): VTO is given to all full-time and part-time employees also! JVB compensates full-time employees for one full day and part-time employees for half a day of work in order for them to volunteer at an organization of their choosing.
- 401(k) Match: JVB offers a .50 match on the dollar up to 8%. (You put in 8%, the Bank puts in 4%!)
- 401(k) Plan – Safe Harbor: Following the close of the year, employees receive a 3% discretionary contribution into their 401(k) plans regardless of participation.
- Employee Stock Purchase Plan (ESPP): All employees are eligible to participate in ESPP each year and can purchase stock at a 5% discount!
- Employee Annual Incentive Plan (EAIP): We win as a team! All employees hired prior to July 1 who receive a “meets expectations” or better on the annual performance evaluation, are eligible to receive the annual bonus that is paid out following the close of the year so long as we meet our annual goals!
- Other free perks: All employees receive a free idLOCK checking account, a free savings account, a free safe deposit box, and various discounts on loans.
- Grow with us: We love to see our people grow! In an effort to assist, we have established a job posting program under which all open positions in Job Grades 1-7 are posted internally for five days before an external search is completed. Open positions in Job Grades 8 and above may be posted depending on experience and educational requirements.
- Work/Life Balance: We understand our people have other priorities and commitments in their lives that are important to them! As such, we are committed to providing all our people with a healthy work/life balance to help reduce some of life’s everyday stress.
General Summary
Responsible for performing a variety of duties to support customer care and the electronic banking operations function with a focus on fraud monitoring; providing customer and branch support; complying with all operating policies and procedures and with outside regulatory requirements established for the electronic banking function; responding to inquiries or requests for information; providing periodic reports as assigned; assisting the immediate supervisor with administrative tasks and projects to support department operations.
Essential Duties
- Regular attendance is required and will vary by position. Specific hours should be discussed with supervisors and/or division managers. Based on need, the Bank does reserve the right to adapt at any point in time.
- Performs a variety of duties to support risk mitigation in the Electronic Banking Department:
- Investigates Guardian FraudMap alerts (online banking)
- Assist with the investigation to Enfact Alerts (debit card)
- Investigates and responds to alerts for Bill Pay and Funds Transfers
- Assists with processing Reg E Card disputes
- Assists with processing Merchant Card Disputes
- Participates in ongoing training on Regulation E to provide customers with correct error resolution procedures
- Assists with performing final approval of Online Banking Applications
- Acts as liaison with any outside vendors concerned with the electronic banking function
- Identifying fraud patterns and establishing rules to mitigate risk
- Assists with a variety of duties to support the Customer Care Department with developing, expanding, and promoting a consistent, high-level customer service focus, both internally and externally, for the Bank. This entails being continually mindful of how to improve and enhance the customer experience of which the following are illustrative:
- Answer incoming phone calls to the main bank line and customer service 855# while keeping in mind a holistic approach which includes soliciting and identifying potential customers and business opportunities; thereby, taking advantage of cross-selling opportunities.
- Listen to the customer queries patiently and solve it. If the problem doesn’t seem to solve, then forward the problem to the superiors.
- Respond to the problems of the customer promptly and follow up to be sure callers are satisfied.
- Provide technical support to customers when they call, i.e., resetting customer passwords, etc. in order to improve customer service efficiencies.
- Provide ATM and debit card support to customers when they call, i.e., assisting with activation, service charges, transaction queries.
- Completes electronic banking projects as assigned
- Coordinates specific work tasks with other personnel within the unit or department as well as with other units and departments in order to ensure the smooth and efficient flow of information.
- Reports pertinent information to the immediate supervisor as requested, or according to an established schedule; compiles information as necessary or as directed and provides data to appropriate bank personnel.
- Responds to inquiries relating to his/her area, or to requests from customers, other bank personnel, etc., within given time frames and within established policy.
- Abides by the current laws and organizational policies and procedures designed and implemented to promote an environment which is free of sexual harassment and other forms of illegal discriminatory behavior in the workplace.
- Cooperates with, participates in, and supports the adherence to all internal policies, procedures, and practices in support of risk management and overall safety and soundness and the Bank's compliance with all regulatory requirements, e.g., Bank Secrecy Act (BSA), Community Reinvestment Act (CRA), Equal Credit Opportunity Act, etc. and ensures the department and all personnel adhere to the same
- Complies with established operating policies and procedures to maintain adequate controls and to support the Bank's adherence to outside regulatory requirements.
- Performs tasks which are supportive in nature to the essential functions of the job, but which may be altered or re-designed depending upon individual circumstances.
Location:
-Second Floor, Operations & Financial Center, Mifflintown, PA 17059
-All levels, various locations
Note: Nothing in this job description restricts management’s right to assign or reassign duties and responsibilities to this job at any time.
Requirements
Basic Qualifications
- A high school diploma or equivalent required
- Specialized bank operations and electronic banking education and training
- Proficient reading, writing, grammar, and mathematics skills
- Proficient analytical skills and problem-solving ability
- Thorough knowledge of system processing
- Thorough knowledge of Bank products
- Proficient computer skills
- Valid driver’s license
- Proficient interpersonal and communicative skills with a service orientation for both internal and external customers
- Aptitude to prioritize departmental workflow needs to meet established deadlines
- Ability to exemplify the 4C’s Values of JVB – Committed, Caring, Connected, Capable
- Visual and auditory skills and ability to stand, sit, stoop, reach and lift items weighing approximately 25 lbs.
Experience:
- A minimum of two (2) years' related experience normally required.
Salary : $18
