Deposit & Payment Risk Specialist II-III

We are building our Deposit & Payment Risk Specialist Team in Roseville! Depending on experience, you could be the next Deposit & Payment Risk Specialist II, or III. Please see below for more details and we look forward to connecting with you! Apply today! 

Summary: Deposit & Payment Risk Specialist II:  

Under the general direction of the VP–Deposit & Payment Risk Manager, the Deposit & Payment Risk Specialist II performs advanced fraud-detection and risk-mitigation activities across all business lines of the Bank. This role conducts more complex investigations, independently analyzes transactional fraud patterns, and makes informed recommendations to prevent loss and improve controls. The Specialist II also serves as a subject resource for Level I team members, providing guidance on processes, fraud-prevention tools, and case handling. This individual is cross trained and will act as back up for all tasks in the back-office operations departments. This position requires that the individual work in office.

Ensures compliance within all Bank policies and procedures, as well as all applicable state and federal banking regulations.

 Summary: Deposit & Payment Risk Specialist III: 

Reporting to the VP–Deposit & Payment Risk Manager, the Deposit & Payment Risk Specialist III serves as a senior-level operational expert responsible for leading complex fraud investigations, identifying emerging fraud trends, and contributing to the continuous enhancement of risk-mitigation strategies bank-wide. This role independently handles the most sensitive and high-risk cases, collaborates with internal partners to close control gaps, and provides advanced analytical insight to support decision-making. The Specialist III acts as a senior resource to Levels I and II, offering training, procedural guidance, and expertise in fraud-prevention systems and regulatory expectations. Fully cross-trained in all back-office operational functions, this position provides high-level backup and supports the department in developing best practices and process improvements.

This position requires that the individual work in office.

Ensures compliance within all Bank policies and procedures, as well as all applicable state and federal banking regulations.

Essential Duties and Responsibilities: Deposit & Payment Risk Specialist II:

• Monitor, identify, measure, analyze, and mitigate the risk of losses associated with check processing, online banking, ACH processing, wire transfers, other electronic transfers, and all other electronic services
• Identify emerging fraud patterns and recommend proactive countermeasures
• Monitor all deposit and payment risk applications and associated reports within fraud prevention tools including but not limited to Sentinel, Patrol and Oasis and all available loss prevention and detection reports
• Conduct high level investigations of client accounts, documenting findings and making recommendations for further action
• Coordinates with clients and branches to ensure all security protocols are followed for online banking
• Handle high-impact client situations requiring advanced problem-solving, professional judgment, and sensitive communication
• Provides support and guidance to Deposit & Payment Risk Specialists I as needed
• Completes complex SAR referrals as needed
• Ensure procedures for loss mitigation are properly documented and kept current
• Demonstrate superior client service along with appropriate follow-through with internal and external clients
• Completes administrative tasks correctly and on time; supports the Bank’s goals and values
• Cross trains and possesses the ability to back up technical operational areas including but not limited to: ACH receiving and origination; incoming and outgoing wire transfers, mobile deposit, consumer and commercial online banking and remote deposit capture

Essential Duties and Responsibilities: Deposit & Payment Risk Specialist III:

• Monitor, identify, measure, analyze, and mitigate the risk of losses associated with check processing, online banking, ACH processing, wire transfers, other electronic transfers, and all other electronic services
• Identify emerging fraud patterns and recommend proactive countermeasures
• Expert at monitoring all deposit and payment risk applications and associated reports within fraud prevention tools. 
• Expert at navigating risk identification platforms such as Sentinel, Patrol and Oasis and all available loss prevention and detection reports
• Expert at conducting thorough investigations of client accounts, documenting findings and making recommendations for further action
• Coordinates with clients and branches to ensure all security protocols are followed for online banking
• Completes complex SAR referrals as needed and utilizes resources and systems provide details 
• Interview clients to identify potential losses, obtain proper documentation and conduct account loss remediation
• Manage escalated or high-risk client situations involving complex fraud scenarios, providing guidance and high-touch service. Supports leadership by ensuring procedures for loss mitigation are properly documented and provides recommendations for refinement
• Partners with leadership to create and/or complete reports for all losses, ensuring the proper time frames are followed
• Demonstrate superior client service along with appropriate follow-through with internal and external clients
• In the absence of the VP, completes administrative tasks correctly and on time; supports SVP as needed to achieve department goals and objectives
• Cross trains and possesses the ability to back up technical operational areas including but not limited to: ACH receiving and origination; incoming and outgoing wire transfers, mobile deposit, consumer and commercial online banking and remote deposit capture
• Cross trains new team members and serves as SME for Deposit and Payment Risk department
• Minimum of 10 hours CRA volunteer hours per year. Volunteer hours are typically scheduled within business hours. This is compensable and mileage is reimbursed
• Other duties as assigned 

Qualifications: Deposit & Payment Risk Specialist II:

• Minimum 3 years of risk experience with a financial institution
• Minimum 3 years of operations experience with a financial institution 
• Requires proficiency with Microsoft Office Suite including Word, Excel, and Outlook
• Ability to maintain regular attendance and work scheduled hours
• Ability to multi-task in a fast-paced environment

Qualifications: Deposit & Payment Risk Specialist III:

• Minimum 5 years of risk experience with a financial institution
• Minimum 5 years of operations experience with a financial institution 
• Requires proficiency with Microsoft Office Suite including Word, Excel, and Outlook
• Ability to maintain regular attendance and work scheduled hours
• Ability to multi-task in a fast-paced environment

Supervisory Responsibilities: This position has no supervisory responsibility.

Physical/Mental Demands & Work Environment:

The incumbent in the course of performing this position frequently spends time writing, typing, speaking, listening, operating basic business equipment, seeing (such as close, color and peripheral vision, depth perception and adjusted focus), sitting, walking, standing, reading documents or instruments, detailed work, problem solving, client contact, reasoning, math, language, presentations, verbal and written communication, analytical reasoning, stress, multiple concurrent tasks, and constant interruptions. The incumbent for this position will occasionally lift up to 15 pounds, pull, squat, kneel and reach. The incumbent is in a non-confined office-type setting in which they are free to move about at will. The work environment is typically quiet to a moderate noise level.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Management reserves the right to change this position description at any time.

See qualifications above.

Poppy Bank is proud to offer a competitive compensation and benefits package. The pay range is intended as a general guideline, with individual compensation determined based on a variety of factors, including relevant experience, education and training, internal equity, geographic location, and other business considerations.

Poppy Bank provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.

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