Fraud & Security Specialist I

Title:                           Fraud & Security Specialist

Department:             Operations

Overview:

In the Fraud & Security Specialist role, you will serve as a vital contact for both internal and external customers, addressing and resolving various fraud and security situations with professionalism and expertise. You will collaborate closely with management, ensuring clear communication regarding reporting and compliance requirements. This essential function not only enhances the bank's ability to maintain security but also reinforces our commitment to customer-centric service. Your proactive approach will help create a safe banking environment while fostering trust and confidence among our clients and colleagues alike. Your contributions will be crucial in upholding the integrity that defines our organization.

Essential Duties:

• Provide quality customer service to both internal and external customers.


• Performs bank fraud monitoring with various systems which include: Horizon, Oasis, EFT, Zelle, BillPay, ImageCentre


• Responsible for monitoring various reports such as Kite Suspect, Debit Card Fraud Suspect, BillPay Suspects, Zelle Suspects


• Works closely with Security Officer, Sr. Operations Manager, Operations Manager, local law enforcement agencies and other area banks involving fraud/security issues.


• Complete report tracking annual security training completion for all bank employees.


• Complete quarterly report for branch security audits.


• Create and maintain logs, records, or databases of information about fraudulent activity.


• Process debit card and Zelle fraud disputes.


• Utilize ticket portal system to resolve and track issues as created by system users


• Additional duties as assigned by management

Competencies:

Communication

• Greets customers and coworkers in a friendly manner 


• Uses common courtesy when speaking with customers and coworkers 


• Communicates clearly and effectively in writing and speaking 


• Reacts to feedback appropriately


• Able to communicate negative information positively and professionally 

Compliance

• Familiar with the overall BSA/AML regulations and requirements 


• Exhibits adequate knowledge of the following: CIP, Account Risk Assessment, Customer Due Diligence, CTR, OFAC, Cash purchase of monetary instruments, Originating Bank, Beneficiary Bank, TIN, NRA, HIDTA, HIFCA and SAR 


• Exhibits adequate knowledge of the following concepts: placement, layering, and integration 


• Familiar with the reporting requirements pertaining to currency transactions, cash purchase monetary instruments, wire transfers and opening of an account


• Exhibits adequate knowledge of regulations governing consumer laws pertaining to deposits or loans products 


• Knows where and to whom any "suspicious" activity should be reported 

Personal Integrity

• Demonstrates commitment to providing quality service to customers


• Makes commitments that are within the scope of the position


• Accepts responsibility for own work


• Maintains strong commitment to the bank's conduct/accuracy guidelines


• Taking responsibility for a thorough and detailed method of working.

Respect

• Values diversity, differences in experience, backgrounds, and opinions of others 


• Treats all people with dignity and honesty 


• Shows respect and sensitivity for cultural differences


• Respects the confidential nature of information 


• Maintains composure when dealing with the unexpected 

Team Work

• Promotes teamwork with flexibility and cooperation 


• Works in the best interest of their team to achieve overall Bank goals 


• Knows when to ask for help, solicit input from appropriate resources 


• Works effectively and productively with all areas of the Bank 

Customer Focus

• Knowing the (internal and external) customer business needs and acting accordingly;


• Anticipating customer needs


• Giving high priority to customer satisfaction and customer service

Job Knowledge

• Understands policies, procedures, and regulations related to their job description.


• Has the product and operational knowledge needed to do the job.


• Has the technical skills required to do the job and uses technology appropriately.


• Remains current on all Bank communication.

Personal Development

• Continues to develop knowledge of Metro City Bank products, services, and procedures 


• Demonstrates commitment to continuous learning and improvement 


• Remains current on all Compliance courses as assigned 

Education/Additional Training or Certifications:

• Associates degree or equivalent work experience

Knowledge/Experience:

• Excellent customer service and problem-solving skills.


• 3 years minimum of bank operations experience.


• Ability to maintain high degree of confidentiality.


• Professional written and oral communication skills.


• Self-motivated and energetic


• Multi-task / Detail oriented


• Computer skills (Microsoft Word, Excel, FIS (Horizon, InterCept)
  
  

Work Environment:

The work environment characteristics described here are representative of those an employee encounters while performing the 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 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 regularly required to sit; use hands to finger, handle, or feel and talk or hear. The employee is occasionally required to stand; walk and reach with hands and arms. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision and color vision.

AAP/EEO Statement:

Metro City Bank is an Equal Employment Opportunity/Affirmative Action Employer with regard to Females, Minorities, Veterans and Disabled Persons

Other Duties
Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.