Fraud Analyst

HTLF is an equal opportunity employer committed to creating a diverse workforce. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors.

HTLF is a diversified financial services company headquartered in Denver, Colorado. We deliver community banking at scale by powering our geographically diverse group of banks with technology, efficiency and strength — giving local decision-making the opportunity and insights to focus on customers and growth. Relationships have been the core of our company since its founding in 1981. We're deeply invested in the communities we serve, and that's why our clients choose us as their banking partners.

What's different about a career at HTLF? We believe our employees and their diverse backgrounds, perspectives and skills are our greatest assets. We wouldn't be HTLF without the people with whom we surround ourselves and empower to enrich the lives of our customers, employees and communities. We're dedicated to making HTLF the best place to work – where your opinions are valued, your feedback and ideas are heard, and your opportunities for personal growth and professional development are endless.

The Fraud Analyst independently reviews and investigates suspected fraudulent activity at Heartland and its member banks. This position will use various monitoring systems and reports to identify suspected fraudulent or suspicious activity. The role will research fraudulent and suspicious activity and take appropriate measures to validate transactions and prevent a loss. All confirmed fraudulent activity will be referred to the Fraud Investigator. In addition, any suspicious activity will be referred to the Financial Intelligence Unit.

PRIMARY & ESSENTIAL RESPONSIBILITIES:
1. Monitors various fraud monitoring software for fraud alerts.
2. Reviews daily and periodic fraud reports.
3. Interacts with member banks and customers to verify suspected fraudulent activity.
4. Refers confirmed fraudulent activity to the Fraud Investigator for further review.
5. Identifies and reports increase in fraud trends to the Fraud Program Manager.
6. Acts as a backup to the BSA/AML Analysts. 
7. Provides member banks and departments guidance on fraud related issues.
8. Maintains a high level of confidentiality when compiling investigative information and escalating issues.
9. Maintains compliance with applicable rules and regulations related to money laundering and other company policies and procedures.
10. Completes annual e-learning plan, attends external fraud training, and maintains knowledge of current and emerging fraud trends within the financial industry. 

REQUIRED SKILLS & EXPERIENCE:

1. Bachelor’s Degree in related field – Business, Accounting, or Criminal Justice.
2. 3-5 years of banking experience.
3. 1-3 years experience in BSA/AML, fraud investigations or related activity.
4. Knowledge of Bank Secrecy Act compliance, and various fraud and money laundering 
typologies. 
5. Experience with AML/Fraud systems, preferred.
6. Ability to maintain the highest level of confidentiality.
7. Ability to work remotely with supervision high level of independence. 
8. Strong organizational, analytical, and critical thinking skills.
9. Ability to meet deadlines and prioritize deliverables.
10. Strong customer service skills.
11. Proficiency using Microsoft Office.

OCCUPATIONAL CERTIFICATION:
Certified Fraud Examiner (CFE) or Certified AML & Fraud Professional (CAFP), preferred

Scheduled Weekly Hours:

40

Time Type:

Full time

The targeted salary for this role is:

$46,913.00 - $60,986.00

HTLF offers competitive and varied benefits to eligible employees, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; an employee assistance program; tuition reimbursement; and various associate banking benefits. Benefit offerings and eligibility requirements vary. To learn more, please click here visit our Benefits page.

The annualized base salary range reflects figures based on the primary location. Pay ranges may vary based on work location. As a part of the total compensation package, this role may be eligible for a Bonus Plan or a role-specific commission/bonus.  Recruiters can share more detail during the hiring process. Each candidate’s compensation offer will be based on multiple factors including, but not limited to, geography, experience, skills, job duties, and business need, among other things.

Additional Information:

Job postings typically remain open for approximately 20 days of the posting date listed above, however the job posting may be closed earlier should it be determined the position is no longer required due to business need. Job postings in areas with a high volume of applicants remain open for approximately 5 days of the posting date listed.