Description
Job Title: Senior Fraud Analyst – Houston
Overview:
The Senior Fraud Analyst will develop, administer, update, and maintain the Fraud program of Premier America Credit Union. Under general guidance and supervision, serves as subject matter expert on fraud and handles routine to complex fraud cases requiring the use of independent judgment. Conducts root-cause analysis and recommends steps to remediate risks based upon findings. Supports the Credit Union’s physical security, ensures the Credit Union maintains adequate operational risks and follows applicable laws, regulations, and internal policies and procedures. Compiles and issues reports detailing conclusions and providing improvement recommendations. Conducts investigations. Maintains discretion and confidentiality.
What You Will Do:
- Maintains a high level of integrity and respect for confidentiality and privacy of information. Facilitates contact between members and team members to verify account activity and/or to provide fraud prevention related recommendations and education.
- Maintains working knowledge of regulatory compliance (e.g., BSA reporting requirements, OFAC, USA Patriot Act, Red Flags, privacy, safeguarding member information, etc.).
- Researches, investigates and processes cases and claims related to fraud and other crimes against the Credit Union and its members. Recommends management appropriate course of action related to complex and sensitive fraud issues. Evaluates fraud risks associated with business decisions.
- Reviews transaction and system reports, account activity, loans and other fraud detection systems. Investigates various fraud software alerts and escalates fraud cases accordingly.
- Prepares and completes fraud SARs filings within the regulatory timeframes.
- Prepares and maintains thorough case documentation necessary to ensure complete case management tracking, including reports for law enforcement. Analyzes surveillance systems as needed for case evidence and documentation.
- Provide back-up support for all areas of Fraud Operations, to include, but not limited to, answering and processing emails and phone requests related to all Fraud Operations.
Requirements
What We Are Looking For:
- A minimum of five (5) years of experience in fraud mitigation and risk analysis in deposits, payments, loans and card services.
- Required experience with complex investigations and case management.
- A minimum of high school diploma; additional related college coursework and professional certification preferred.
- Financial institution risk, fraud, security, and internal control best practices.
- CFE certification preferred.
- Strong analytical skills.
- Proficient with Microsoft Office Suite (i.e., Outlook, Word, Excel, PowerPoint). Able to use computer applications and all related business equipment.
- Work across organizational lines to foster teamwork, trust, and quality execution.
- Works independently in a changing environment.
- Proficient at verbal and written communication.
- Strong time management and organizational skills; exceptional attention to details.
Pay Grade Info: Base pay range for this role is $33-$40/hourly.
Perks Important to You:
Our Team Members enjoy the following rewards and benefits:
- Competitive pay
- Subsidized health care including medical, dental and vision
- FSA and HSA
- Company-Paid Life and A&D insurance
- Discounts on loans (must be a member)
- Paid Vacation, Holiday, and Sick time
- 401k Retirement Saving Plan with a 6% safe harbor employer match
- Educational Assistance Program and more!
Equal Opportunity Employer – Veterans / Disabled
Drug-free Workplace
Skills Required
- At least five years of experience in fraud mitigation and risk analysis involving deposits, payments, loans, and card services
- Experience conducting complex investigations and case management
- High school diploma
- Additional related college coursework
- Knowledge of financial institution risk, fraud, security, and internal control best practices
- Certified Fraud Examiner certification
- Strong analytical skills
- Proficiency with Microsoft Office Suite and related business equipment
- Ability to collaborate across organizational lines and foster teamwork, trust, and quality execution
- Ability to work independently in a changing environment
- Strong verbal and written communication skills
- Strong time management, organizational skills, and attention to detail
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What We Do
Premier America Credit Union is a full-service, member-owned financial institution and one of the nation's largest credit unions, serving over 115,000 members with assets exceeding $3 billion. Operating branches in California and Texas, it provides a comprehensive suite of personal and business banking solutions, including checking and savings accounts, certificates, auto loans, mortgages, and personal loans.
