• Triage and interpret data associated with transactions and events
• Perform reviews through the Kount platform to validate efficacy
• Detect fraud through analytic methodologies
• Examine reviewed and declined transactions for trials, high-value, or troubled customers
• Perform manual reviews on behalf of customers
• Research to validate events/purchases/transactions
• Conduct follow-up research on events/purchases/transactions
• Suggest/implement rule improvements
• Solicit feedback from customers, sales, and Customer Success Managers (CSM) regarding customer performance
• Formulate questions and hypotheses for data analytics investigation
• Provide data, reporting, and narrative to customers, sales, and CSMs
• Research active fraud schemes and tools, and create educational material for customers and internal personnel
• Recommend improvements for the detection of fraudulent behavior through the analysis of data from many disparate sources

Skills: Data Triage, Fraud Detection, Kount Review, Transaction Analysis, Manual Review, Transaction Validation, Rule Improvement, Fraud Research

• Conducts thorough investigations of fraud/AML cases with accuracy and within the assigned timeframe.
• Secures accounts by placing restrictions to prevent financial loss.
• Receives/conducts inbound/outbound calls to customers to validate account activity or discuss fraudulent matters.
• Escalates cases when appropriate, with attached evidence documenting investigation efforts.
• Responsible for issuing customer credit and submitting fraud claims for recovery efforts when needed.
• Works closely with all lines of business to minimize losses and maximize recovery efforts.
• Works on Red Flags for FACT Act Regulations
• Assists with special projects, assignments, and tasks
• Completes leadership and other training
• Maintains current knowledge of federal and state laws about fraud.
• Maintains a good working knowledge of Bank Secrecy Act program requirements.

Skills: Fraud Investigation, Account Security, Customer Validation, Case Escalation, Credit Issuance, Loss Minimization, FACT Act Compliance, Regulatory Knowledge

• Leverage data analytics to uncover patterns, trends, and insights to mitigate and prevent fraud.
• Apply strong analytical skills in the assessment of fraud and transactional data.
• Exercise good judgment to independently resolve problems that require in-depth investigation and/or research.
• Utilize fraud detection software to manage fraud investigations.
• Interview and elicit information from customers and/or staff to resolve questions.
• Complete fraud case investigations, including but not limited to writing reports and documenting evidence and findings.
• Track monetary fraud exposure for each case assigned, including potential loss, prevented loss, actual loss, and recovered loss.
• Create Suspicious Activity Reporting (SAR) narratives for cases in which regulatory reporting is applicable.
• Maintain adherence to alert and case timeframes as defined by bank policy and procedures.
• Perform quality assurance reviews on peer work output.
• Build and maintain relationships between outside departments, cultivating a culture of collaboration, transparency, and mutual success.
• Stay abreast of changing fraud patterns or regulations in the field.
• Assist with authoring procedures relating to fraud monitoring.

Skills: Data Analytics, Fraud Analysis, Independent Problem Resolution, Fraud Detection Software, Customer Interviewing, Fraud Case Investigation, Monetary Fraud Tracking, SAR Reporting

• Leverage data to write and execute strategies to prevent fraud across all transaction types
• Hunt for new fraud vectors before they impact business
• Ensure that at all stages  protect the firm and customers are protected while providing a world-class customer experience
• Remain current with emerging fraud typologies and apply that knowledge to current investigations
• Escalate new fraud trends and typologies to team members and management
• Cross-train across team functions to provide support
• Continue to look for opportunities to improve the detection of fraud
• Act at all times in a manner that is ethical and aligned with the regulatory obligations of the firm and partners
• Conduct investigations into alerts of fraud and prevent fraudulent payments.
• Proactively attempt to recover fraudulent payments
• Independently resolve problems that require in-depth investigation and/or research
• Constantly communicate fraud trends, share best practices and ideas with peers and Managed Services leadership
• Take responsibility for reporting platform issues

Skills: Fraud Prevention Strategy, Fraud Detection, Customer Protection, Fraud Typology Knowledge, Trend Escalation, Cross-Training, Fraud Recovery, Ethical Investigation

• Major involvement in the fraud portion of the customer onboarding process by completing a research and analysis assessment of new clients
• Communicating effectively with clients and bankers to verify account information for payroll processing purposes
• Reviewing high payroll amounts regularly and following up with clients
• Identifying and communicating fraud trends and patterns to management and peers
• Generating daily reports for management, for data maintenance, and fraud prevention
• Identifying fraudulent accounts and preparing reports for the management team
• Ensuring all abuse/fraud/money laundering cases reported are documented and reliable for further research
• Analyzing data to identify and detect suspicious users (fraud/money laundering) or transactions, and deciding what action is to be taken
• Analyzing data to identify and detect irregularities in non-fraud users also detects abuse in marketing programs/initiatives
• Researching internal fraud or irregularities, as well as the fraud patterns based on the analyzed data
• Preparing a monthly report for fraud risk management

Skills: Fraud Onboarding Analysis, Client Verification, Payroll Review, Fraud Trend Communication, Report Generation, Fraud Account Identification, Data Analysis, Risk Reporting

• Collect and analyze large volumes of Supplier Master and Procure-to-Pay data for potential fraud
• Own fraud analytics, data oversight, and reporting, including event response
• Collate data and produce reports for senior managers and stakeholders
• Recognize patterns of fraud and suggest new methods of detection, mitigation, and prevention
• Assist with the implementation of new processes and software solutions
• Participate in change management by educating business users of system and process changes
• Analyzes several aspects of account history, including payment and transaction history
• Communicate with suppliers and other internal stakeholders through various communication methods to obtain additional information regarding fraudulent activity
• Maintains accurate and complete documentation of all information necessary for the investigation
• Share expertise with the Customer Care teams when they encounter sensitive situations, but also with Compliance, KYC, Back-office, and Payment teams on core business topics
• Manage the customer relationship (by email or by phone) when second-level investigations and analyses are required to refute or confirm a suspicion of fraud
• Respond to requisitions and requests from the financial author

Skills: Fraud Data Analysis, Event Response Reporting, Fraud Pattern Recognition, Process Implementation, Change Management, Account History Analysis, Stakeholder Communication, Investigation Documentation

• Investigate suspect On-us in-clearing checks for potential fraudulent activity.
• Responsible for the preparation and presentation of Suspicious Activity Reports for filing with the Federal Government.
• Review deposits for potential kiting or check fraud activity.
• Review, identify, analyze, and report suspicious deposit account activity.
• Take responsibility for monitoring high-risk accounts.
• Prepare other special reports and participate in miscellaneous projects as assigned by the Manager.
• Work closely with Internal and External clients.
• Work to recover funds quickly and efficiently
• Partner with clients, internal teams, other banks, and law enforcement.
• Process alerts flagged by internal detection tools and by partners
• Actively participate in the optimization of detection algorithms and the continuous improvement of anti-fraud tools and procedures (in collaboration with the Operations team)
• Assess risks and understand the user behavior towards the new services offered by Lydia to establish adequate prevention strategies upstream

Skills: Fraud Investigation, SAR Reporting, Deposit Fraud Analysis, High-Risk Account Monitoring, Client Collaboration, Fund Recovery, Alert Processing, Risk Assessment

• Conduct an in-depth analysis of Risk threats, suggesting possible solutions, estimating impact, and QA
• Look for new technologies that can serve risk mitigation efforts and implement them
• Improve the team’s efficiency by using technical knowledge and creativity
• Serve as the technical point of contact for Risk Analysts
• Plan and execute long-term projects from start to finish
• Drive end-to-end processes with other teams within the organization
• Work with colleagues within the company and product managers to communicate fraud trends and share best practice ideas
• Communicate with potential victims of fraud to establish circumstances and additional information, before providing a fair, logical decision, with supporting rationale
• Effectively communicate with third parties
• Identify financial crime trends through data analysis
• Create Fraud Cases via a case manager
• Take responsibility for recording hourly stats

Skills: Risk Analysis, Technology Implementation, Team Efficiency Improvement, Technical Support, Project Execution, Cross-Team Collaboration, Fraud Communication, Data-Driven Trend Identification

• Researches, analyzes, and investigates customer account behavior daily for potential fraud and suspicious activity from system-generated alerts and alerts or cases escalated by other departments
• Tracks trends and detects unusual activity or behavior
• Determines if transactions are fraudulent and/or suspicious, such as deposit fraud, check fraud, online account takeover, wire fraud, ACH fraud, etc.
• Responds to alerts detected by the Bank’s fraud monitoring system.
• Responds to inquiries or refers inquiries to the appropriate person and exhibits the necessary follow-through with internal and external customers.
• Compiles data and maintains necessary records and files to ensure efficient and consistent reporting of all fraud and suspicious investigations.
• Makes recommendations for closing accounts and performs associated follow-up to ensure the closure of the accounts.
• Assumes responsibility for special projects such as reclamations, Information Sharing Program, gathering data, and preparing reports for the Fraud and BSA Managers.
• Complies with the Bank Secrecy Act and all other laws and banking regulations and adheres to all First United Policies and Procedures.
• Maintains current knowledge of applicable fraud detection software.
• Assists customers in a prompt, professional, and courteous manner.
• Maintains the confidentiality of the Bank and customer information.

Skills: Fraud Investigation, Trend Detection, Transaction Analysis, Alert Response, Customer Inquiries, Data Compilation, Account Closure, Regulatory Compliance

• Handle queries relating to prospective and existing merchants, in an array of possible manners, ensure that a good relationship is constantly maintained with all customers, whilst ensuring the provision of a quality service
• Assisting and/or substituting peers
• Identify and explore new approaches and data sources to support improvements to existing and new fraud strategies
• Anticipate problems, opportunities, and the initiative to pursue solutions
• Review merchant transactions to flag or identify suspicious activity via the alert system.
• Flag any transactional pattern that does not fit the expected activity and perform an investigation to ensure compliance with card scheme regulations, internal policy, and procedure
• Responsible for reviewing Fraud and Chargeback levels on a weekly/monthly basis as per card scheme regulations, and also the internal accepted levels
• Interact with banks and customers to validate information and to facilitate any investigations being carried out by external authorities
• Identify system improvements to prevent fraudulent activities and ensure the confidentiality of all information collected from the tools
• Create Procedures and Forms to make work more efficient within the team, and when there needs to be communication with other departments
• Cover the monitoring function 7/7 (on a rotation basis) administrator on the various systems used to test new features, effectiveness of the changes, new releases, etc.

Skills: Customer Relationship Management, Fraud Strategy Improvement, Problem Anticipation, Transaction Review, Fraud Investigation, Chargeback Monitoring, System Improvement, Procedure Development

• Strong communication skills, self-motivation, and a results-oriented approach
• Demonstrated customer service, organizational, and analytical skills
• Confidence in making instinctual decisions with little or no supervision
• Enjoys working in a fast-paced and rapidly changing environment
• Flexibility to adapt and able to manage multiple assignments while working independently
• Abide rigorously by the company data protection policies, safeguarding confidential and personal information
• Strong internet research, Microsoft Office, and overall PC skills
• Previous SQL working experience
• The willingness to shift work, including weekends, non-business hours, and holidays
• Customer service experience, call center, airline, or travel agency experience
• Previous risk analysis experience

Qualifications: BA in Risk Management with 2 years of Experience

• Previous banking working experience
• A good understanding of payment and deposit transaction processing and regulatory guidelines as they relate to department functions.
• Solid understanding of Financial Fraud Investigation and Banking Regulations.
• Proficient in Microsoft Office, with emphasis on Excel, Word, Access, and Outlook.
• Excellent written and verbal skills to interact and communicate with various levels of internal and external clients, including senior management.
• Solid time management and organizational skills with the ability to manage and prioritize multiple tasks to meet prescribed deadlines.
• Must have strong problem-solving skills.
• Able to compile, review, analyze information and data, and make final independent decisions within the scope of authority.
• Ability to work effectively as a team member as well as independently.
• An empathetic, inclusive, and curious attitude
• Ability to work on high-visibility programs and perform all functional duties independently.

Qualifications: BA in Finance with 3 years of Experience

• Previous experience in a fraud detection data or related fraud platform management
• Certificate or diploma in the relevant discipline area of risk and fraud
• Demonstrated strong Management and negotiation skills with the ability to advise, recommend, and influence stakeholders.
• Ability to identify fraud trends through data and develop actions to mitigate them.
• Experience working within multidisciplinary teams.
• Ability to manage a high-volume resolution process and provide excellent customer service responses.
• Strong time management and organisational skills with a proactive mindset
• Experience working in a fast-paced, reactive environment
• Excellent written (report writing) and organisational skills.
• Strong communication and interpersonal skills.
• Strong personal computer skills, along with the ability to use fraud/abuse data mining tools
• Use own initiative and work well as part of a team

Qualifications: BA in Accounting with 4 years of Experience

• Accustomed to working in a fast-paced and constantly evolving environment.
• Experience working in the consumer customer service field or digital investigations.
• Passion for both analytics and games.
• Experience in E-commerce/Finance/Banking, especially in the digital world.
• Proficiency in utilizing scripting languages.
• Initiative - when seeing a problem, investigating it, and handling it as advised by the process, if that isn’t available, help find the solution.
• Adaptable and able to quickly adapt and learn in a lively e-commerce and service environment.
• Comfortable focusing on work while working with the team.
• Excited to learn and acquire new skills and adapt the performance to the cool new things you learn.
• Attention to detail and can focus on minute details without impacting productivity.
• Self-motivated and aim to quickly assist and accurately help customers.

Qualifications: BA in Business Law with 1 year of Experience

• Experience in an analytical role, leading projects with other Data Analysts and Data Scientists
• Extensive experience with fraud metrics and patterns in the main operating markets
• Must have proficiency in SQL
• Deep knowledge of statistical programming (Python or R)
• Experience working with modern BI tools like Tableau or Looker
• Good understanding of agile methodologies
• Experience setting short- and long-term goals and a strong internal drive to achieve them
• Strong interpersonal skills and a successful track record in communicating complex issues and processes to senior stakeholders across the business
• Profound understanding of the underlying algorithms used and the ability to teach others
• Experience analyzing large, complex datasets and converting them into information that drives business decisions
• Creative problem solving and critical thinking skills with a bias toward action and a get things done attitude
• Ability to build relationships with key stakeholders across the teams.
• Ability to organize and lead effective meetings and provide effective feedback

Qualifications: BA in Law with 7 years of Experience

• Experience working in an Analytics/Business Intelligence environment.
• Ability to apply analytical, technical, statistical, and quantitative skills to tackle problems.
• Experience working with large-scale databases and relational data set solutions.
• Proficiency in extracting and processing data using SQL.
• Ability to use scripting languages, Excel, or Tableau for data visualization and reporting.
• Detail-oriented and must have an aptitude for solving unstructured problems.
• The ability to extract data from various sources and to design/construct/execute complex analyses to come up with data/reports that help solve the business problems.
• Excellent oral and written communication skills.
• Ability to work in a fast-paced, ambiguous environment while prioritizing and managing multiple responsibilities.
• Basic experience with scripting languages such as Python and Bash.
• Experience working with AWS technologies (EC2, CloudTrail, S3, SageMaker, etc.).
• Previous experience working as an Analyst in the context of fraud analytics or risk scoring.

Qualifications: BA in Business Administration with 5 years of Experience

• Banking experience with knowledge of Fraud, Loss Mitigation, and Bank Secrecy Act regulatory requirements, and/or other program-related compliance functions.
• Skill in time management, organizational, and the ability to maintain composure while meeting multiple deadlines.
• Expertise in collecting and evaluating information to draw logical conclusions.
• Effective verbal and written communication skills, including active listening skills, and skills in presenting findings and recommendations.
• Ability to effectively communicate the applicability of Fraud issues to front-line personnel for execution in the day-to-day working environment.
• Continuous fraud knowledge related trends, theories, and practices. om
• Demonstrated proficiency in Microsoft Word, Excel, and other financial systems.
• Ability to communicate with colleagues and the BSA Officer regarding issues and findings.
• Hold a Certified Fraud Examiner (CFE) designation
• Skill in planning and project management, and in maintaining composure under pressure while meeting multiple deadlines
• Ability to research issues and suggest uses of the information to resolve problems
• The ability to work with confidential information

Qualifications: BA in Criminal Justice with 6 years of Experience

• Familiarity or experience with fraud concepts and techniques
• Experience in fraud auditing in a large global organization
• Experience working in security incident activities
• Must be familiar with or willing to learn e-Fraud
• Excellent analytical and documentation skills
• Familiarity with computer security forensics and security vulnerabilities
• Familiarity with multiple security technologies such as SIEM, Intrusion Detection Systems, End-point Security, Web Proxy/Content Filtering, Active Directory, PKI, and Log Analysis
• Enough SQL/PostgreSQL familiarity to generate queries
• Familiar with text and data representation and manipulation (XML, HTML, Wiki Markup, SQL)
• General knowledge of basic packing and obfuscation techniques
• Must possess excellent communication skills and be detail-oriented.
• Self-starter with the ability to work under pressure independently and as part of a team.

Qualifications: BA in Risk Management with 5 years of Experience

• Certifications from professional bodies relevant to the financial services sector
• Investigation Fraud experience ( Application fraud, First party fraud, Organised and complex fraud, etc)
• Experience working in fraud reporting and MI
• Ability to work in a fast-paced environment
• Experience operating in a second-line role or corresponding control function in a Financial Services organisation
• Broad knowledge of a consumer banking environment
• A good understanding of Fraud Risks, including schemes and identification methods, as well as experience in Operational Risk
• Be a self-driven, self-starter. We’re a dedicated, hardworking team collectively motivated by mission and vision
• Excellent attention to detail with strong problem-solving ability
• Experience working in Fintech and liaising with regulators and internal audit staff, such as examinations, audits, and reviews, document production, and issue responses
• Must have a global mindset.

Qualifications: BA in Economics with 3 years of Experience

• Counter-fraud or fraud and financial crime investigations-related experience
• Hands-on fraud and financial crime investigation experience.
• Must have the ability to operate independently and be highly self-motivated.
• Demonstrated effective time management and organizational skills.
• Excellent analytical and problem-solving skills, including the ability to interpret structured data, develop recommendations, and analyze to identify emerging fraud-related trends and behaviors.
• Must have the ability to make sense of complex, high-quality, and sometimes contradictory information to effectively solve problems.
• Strong process/program management and prioritization skills.
• Must have a learning mindset with the ability to experiment when tackling new problems, using both successes and failures as learning fodder
• Strong verbal and written communication skills.
• Detail-oriented and has an inquisitive nature, which helps with troubleshooting.
• Ability to work with cross-functional partners to develop processes and procedures.
• Flexible to work in a constantly changing environment.

Qualifications: BA in Accounting with 4 years of Experience