Check Fraud Specialist

GENERAL DESCRIPTION OF POSITION

The Check Fraud Specialist is responsible for reviewing prior day activity for exceptions or unusual account activity. This role will monitor account activity and communicate with branch personnel when suspicious activity is suspected.

ESSENTIAL DUTIES AND RESPONSIBILITIES

1. Review all exception items presented over the counter and electronically for proper validation. 
2. Notify branch staff of suspected fraudulent items or unusual activity. 
3. Work with branch staff to close suspicious accounts if necessary. 
4. Monitor suspected accounts to ensure future items do not present payment. 
5. Work with various bank programs to research and document the cases. 
6. Create federal return file for items that need to be returned. 
7. Process returns using UCC rules to mitigate losses. 
8. Maintain detailed case notes to assist with future research. 
9. Log all cases for tracking. 
10. The ability to work in a constant state of alertness and in a safe manner. 
11. Completes required BSA/AML training and other compliance training as assigned. 
12. Perform any other related duties as required or assigned.

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty mentioned satisfactorily.  The requirements listed below are representative of the knowledge, skill, and/or ability required.

EDUCATION AND EXPERIENCE

Knowledge of a specialized field (however acquired), such as basic accounting, computer, etc. Equivalent of four years in high school, plus night, trade extension, or correspondence school specialized training, equal to two years of college, plus 2 years related experience and/or training, or equivalent combination of education and experience.

COMMUNICATION SKILLS

Ability to read and understand documents such as policy manuals, safety rules, operating and maintenance instructions, and procedure manuals; ability to write routine reports and correspondence.

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 prepare and interpret bar graphs.

CRITICAL THINKING SKILLS

Ability to utilize common sense understanding in order to carry out written, oral or diagrammed instructions. Ability to deal with problems involving several known variables in situations of a routine nature.

REQUIRED CERTIFICATES, LICENSES, REGISTRATIONS

Not indicated.

PREFERRED CERTIFICATES, LICENSES, REGISTRATIONS

Not indicated.

SOFTWARE SKILLS REQUIRED

Advanced: 10-Key, Alphanumeric Data Entry

Basic: Accounting, Contact Management, Spreadsheet, Word Processing/Typing

WORKING CONDITIONS

Periodically exposed to such elements as noise, intermittent standing, walking, pushing, carrying, or lifting; but none are present to the extent of being disagreeable.

ENVIRONMENTAL CONDITIONS

The following work environment characteristics described here are representative of those an employee encounters while performing 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.

PHYSICAL ACTIVITIES

The following physical activities 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 and expectations.

Semi-repetitive, low physical. Semi-repetitive type work which requires periods of concentration for varied time cycles as prescribed by the tasks.

While performing the functions of this job, the employee is frequently required to sit, use hands to finger, handle, or feel, reach with hands and arms, talk or hear; and occasionally required to stand, walk. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision.

ADDITIONAL INFORMATION

Preferred education and experience:

- 6 months of experience working with IBS Insight/Image Center

Required proficiencies:

- Basic computer skills
- Basic Microsoft office skills
- Keen eye for details
- Ability to handle pressure due to deadline restraints
- Ability to multi-task
- Ability to prioritize workflow