Fraud Analyst

Glacier Bancorp

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Billings, MT, United States

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About the Role

As a Fraud Analyst you will be responsible for providing best in class fraud prevention, detection, and response. In this role the Fraud Analyst will manage and monitor routine investigations of fraud involving the Bank’s fraud investigation program, debit and credit cards, new accounts, account abuse, check forgery and fraud, elder abuse, suspected money laundering, and check kiting, identity theft and the like. In this position the Fraud analyst will also be responsible for providing correspondence and disbursements for legal requests for the Bank such as Subpoenas, Garnishments, and Levies.

 

This is a Corporate position which may be located at an available bank division location across our eight state footprint in AZ, CO, ID, MT, NV, UT, WA, or WY. To learn more about our bank divisions, please visit: https://www.gbcijobs.com/pages/about-us

 

DUTIES AND RESPONSIBILITIES:

 

  • Utilize fraud detection program, Yellow Hammer Fraud Detective, Yellow Hammer ACH Origination and Yellow Hammer Wire Origination and internal systems to review suspect items on a daily basis.

  • Prepare correspondence and disbursements for legal requests for the Bank such as Subpoenas, Garnishments, and Levies.
  • Utilize sound judgment and knowledge of financial investigative tools/techniques to establish an investigative plan according to the suspected fraudulent activity; initiate investigations by gathering facts and evidence; prepare independent investigative reports that document findings; handle all aspects of the investigation which includes collaboration with bank division staff, customers, and law enforcement.
  • Take precautionary measures on accounts and/ or transactions to mitigate risk to bank and bank clients and provide direction to all lines of businesses supported by Fraud Department. Which includes making decisions that impact accounts and/ or transactions to mitigate risk to bank and bank clients (e.g. pay/no pay, block/hold an account and transaction).
  • Maintains favorable customer relations with law enforcement and judicial agency personnel through regular contact; exercises discretionary judgment and initiative regarding check or debit card fraud claims within the parameters of the organizations policies, procedures and security.
  • Escalate sensitive, complex and large financial, compliance or reputational issues to management where appropriate. May refer cases for special attention to BSA/AML or other areas where warranted. Filing the necessary paperwork when required for fraud inquiries which includes but is not limited to suspicious activity referral forms and fraud and operational loss forms.
  • Communicate and interact, over the phone or in person, with external clients, bank division employees, various lines of business, and other financial institutions to verify authenticity of items or availability of funds. Educate clients about fraud issues including online banking safety and take appropriate action to protect clients’ accounts.
  • Prepare financial spreadsheets or enter data into a database or system in order to capture and monitor loss and fraud case information for further analysis. Provide input on obvious fraud trends or process improvements.
  • Complete all projects as assigned.
  • Must comply with all company policies and procedures and all applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control. Must complete the assigned online training courses and achieve a passing score by due date.

About You

QUALIFICATIONS:

 

EXPERIENCE:

 

  1. Minimum of 3 years of banking experience, focused on fraud investigations is required.
  2. Experience with wire fraud, check processing, ACH, card services, new accounts authentication preferred.
  3. Experience working with fraud technology and platforms used in authentication and money movement risk solutions preferred.

 

EDUCATION/CERTIFICATIONS/LICENSES: 

 

  1. A two-year college degree or completion of a specialized course of study at a business or trade school equivalent to approximately 60 credit hours, or equivalent combination of education and experience is required.

 

KNOWLEDGE, SKILL, ABILITY:

 

  • Understanding of banking and fraud threats, along with fraud analytics including the ability to spot financial irregularities or abuse.
  • Thorough knowledge of operation functions, systems, policies and procedures for fraud investigations.
  • Able to use database, spreadsheet and word processing software suites to record and maintain records, with customer contact as necessary via form correspondence.
  • Able to learn and retain knowledge of local, state and federal laws and regulations concerning civil and criminal remedies for fraudulent check and debit card activities.
  • Able to learn and retain knowledge in depth for all debit card and ATM adjustment functions; to follow Visa and ATM network and customer privacy regulations and to limit potential liability for the organization.
  • Strong organizational and time management skills.
  • Ability to complete the essential duties of the position under limited supervision.
  • Possess analytical and technical skills in fast-paced, changing professional environments.
  • Well-developed customer relations skills.
  • Must be able to maintain confidentiality.
  • Strong interpersonal, verbal and written communication skills.
  • Ability to manage multiple tasks and deadlines simultaneously.
  • A significant level of trust, credibility and diplomacy is required. In-depth dialogues, conversations and explanations with customers, direct and indirect reports and outside vendors can be of a sensitive and/or highly confidential nature. Communications may involve motivating, influencing, educating and/or advising others on matters of significance.

 

WORK ENVIRONMENT: Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise.

 

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 often required to: sit; use hands in repetitive motions to finger, grasp, handle or feel; and talk or hear. The employee is occasionally required to: stand; walk; and lift or reach with hands and arms. 

Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested by management. Must be capable of regular, reliable and timely attendance. Must be capable of climbing / descending stairs in an emergency situation.

Specific vision abilities required by this job include: The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading; visual inspection involving small defects, small parts, and/or operation/inspection of machines and/or using measurement devices at distances close to the eyes.

What We Offer

COMPENSATION & BENEFITS: Salary is dependent upon relevant experience. We offer an extensive benefits package that includes, but is not limited to, flexible health coverage options: medical/dental/vision (partially employer paid with competitive premiums), health rewards program, possible employer contribution to a Health Savings Account, Employee Assistance Program (EAP); life insurance; 401K retirement plan with immediate vesting (up to 3% employer match, 3% automatic employer contribution, and profit sharing); discounted banking products and services; paid vacation/sick days, and paid holidays.

 

COMPANY OVERVIEW: At Glacier Bancorp, our employees are our most valuable asset. We seek qualified individuals who enjoy people, are innovative and eager to learn. We are dedicated to providing opportunities for personal advancement and professional growth by investing in the tools and training needed to build a personalized career path for you.

 

Glacier Bancorp, Inc. is a regional bank holding company headquartered in Kalispell, Montana with assets greater than $12 billion, operating in numerous community bank divisions across 8 states (Montana, Idaho, Utah, Washington, Wyoming, Colorado, Arizona and Nevada). We pursue a community banking philosophy, emphasizing personalized service combined with the full resources of a large banking organization. Over the years, Glacier Bancorp has received numerous awards for stability and soundness, and has repeatedly ranked among the top 10% in the nation for financial strength.

We are an Equal Opportunity Employer and qualified applicants or employees will receive consideration for employment without regard to race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender identity, mental or physical disability, age, genetic information, protected veteran status, or any other category protected by applicable federal, state or local laws.

Glacier Bancorp, Inc. does not sponsor applicants for work visas. All applicants must be legally authorized to work in the US.

 

No Recruiters or unsolicited agency referrals please.

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Job Info

Glacier Bancorp logo

Posted Date: Jun 15, 2020
External ID: 3507-OTHLOC-164
Operations
Hourly
Replacement
Full-Time