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Job SummarySupport the early detection and resolution of suspicious activity across multiple transaction types to protect members from fraud and financial loss. This foundational role identifies suspicious activity using fraud detection systems, secures accounts and responds to fraud-related inquiries. Analysts work in a fast-paced environment, collaborating with internal teams and escalating cases as needed. The role emphasizes accuracy, member empathy, and a strong commitment to fraud prevention, while building the skills necessary for future advancement in fraud operations.Job DescriptionLOCATION:
Hybrid
Mountain America Center
9800 South Monroe Street
Sandy, UT 84070
SCHEDULE:
10:30-7:30 M-F with rotating Saturdays.
To be effective, an individual must be able to perform each job duty successfully.
- Monitor and analyze alerts using multiple fraud detection platforms to identify suspicious activity across all types of transactions.
- Take immediate action to restrict accounts, block transactions, and initiate member contact when fraud is suspected.
- Thoroughly review affected accounts and adjust restrictions as needed based on review of alert activity.
- Serve as a subject matter expert for fraud-related inquiries from branches, service teams, and members, providing clear guidance and resolution support.
- Educate members on evolving fraud tactics, digital hygiene, and account protection best practices.
- Respond to inbound calls from branches, service teams, and members, providing clear and empathetic support for fraud-related concerns.
- Troubleshoot issues related to blocked transactions caused by fraud rules and ensure timely resolution.
- Maintain accurate and detailed records of fraud-related activities, including alert outcomes and member interactions.
- Assist in preparing reports on fraud incidents and resolution outcomes for internal tracking and compliance.
- Collaborate with Fraud Data Analysts to communicate findings, trends, and anomalies in card fraud activity.
- Share insights and feedback to improve fraud detection strategies and alert system performance.
- Comply with all applicable regulations, including the Bank Secrecy Act, OFAC, FACT Act, GLBA, Regulation CC, Regulation DD, Regulation Z, Regulation E, and others relevant to fraud operations.
- Participate in team huddles, training sessions, and continuous learning opportunities to stay informed on emerging fraud tactics.
- Uphold Mountain America’s mission, vision, and values by delivering responsive, member-focused fraud support and resolution.
- Perform other duties as assigned.
KNOWLEDGE, SKILLS, and ABILITIES
The requirements listed are representative of the knowledge, skills, and/or abilities required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job functions.
Experience and Education
- High School diploma or equivalent plus a minimum 2 years of fraud experience, OR 3 years of experience in banking, financial services, or a related industry is required.
- Candidates without direct professional fraud or financial services experience may qualify with a Bachelor’s degree in Cybersecurity, Information Systems, Computer Science, Data Analytics, Finance, or a related technical field along with relevant projects, internships, or certifications.
Licenses/Certifications
Relevant technical certifications or academic achievements in areas such as cybersecurity, data analytics, or fraud prevention are desired.
Computer/Office Equipment Skills
- Proficient in Windows OS, internet browsers, email platforms, and intermediate-level Microsoft Word and Excel.
- Familiarity with fraud case management systems and secure communication protocols.
- Understanding of internet security and digital identity verification tools.
Managerial Responsibility
No supervisory responsibilities.
Language Skills
- Ability to read and interpret procedures, alerts, and fraud indicators.
- Strong verbal and written communication skills for member interaction and documentation.
- Ability to present findings and recommendations clearly to internal teams.
Other Skills and Abilities
- Demonstrated expertise in fraud detection, risk assessment, or analytics, gained through professional experience or hands-on involvement with industry-standard platforms and tools.
- Proficiency in banking and financial services processes, with a solid understanding of industry regulations, compliance requirements, and operational workflows.
- Technical skills in cybersecurity, information systems, computer science, data analytics, or finance, with the ability to analyze complex data sets to identify fraudulent patterns or risks.
- Experience with projects or internships that involve fraud detection, risk management, or the use of analytics technologies to solve business challenges.
- High attention to detail and accuracy.
- Strong sense of urgency and accountability.
- Willingness to learn and adapt to new fraud trends and technologies.
- Empathy and professionalism when supporting members impacted by fraud.
- Critical thinking and problem-solving skills in high-pressure situations.
PHYSICAL ABILITIES / WORKING CONDITIONS
Physical Demands
Must be able to use hands to handle/feel occasionally.
Ability to stand, walk, sit, talk, and hear consistently.
Vision Requirements
Close vision (clear vision at 20 inches or less).
Distance vision (clear vision at 20 feet or more).
Color vision (ability to identify and distinguish colors).
Weight Lifted or Force Exerted
Frequently lifts up to 10 pounds, occasionally lifts up to 25 pounds.
Environmental
Typical office environment with no unusual factors.
Noise Environment
Moderate noise (business office with computers and printers, light traffic).
Mountain America Credit Union is an EEO/AA/ADA/Veterans employer.
Skills Required
- High school diploma or equivalent plus at least two years of fraud experience
- Three years of experience in banking, financial services, or a related industry
- Bachelor's degree in Cybersecurity, Information Systems, Computer Science, Data Analytics, Finance, or a related technical field, with relevant projects, internships, or certifications, as an alternative qualification
- Proficiency in Windows OS, internet browsers, email platforms, Microsoft Word, and Microsoft Excel
- Strong verbal and written communication skills
- Fraud detection, risk assessment, or analytics experience
- Understanding of banking processes, regulations, compliance requirements, and operational workflows
- Relevant technical certifications or academic achievements in cybersecurity, data analytics, or fraud prevention
Mountain America Credit Union Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Mountain America Credit Union and has not been reviewed or approved by Mountain America Credit Union.
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Healthcare Strength — Company materials indicate substantial employer-paid medical coverage with multiple plan options plus HSA/FSA access. Dental and vision are offered at low employee cost, and income-protection benefits like disability and life insurance are included.
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Retirement Support — A 401(k) with company match is available immediately upon enrollment. Feedback suggests retirement benefits are a dependable cornerstone of the package.
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Leave & Time Off Breadth — The program includes numerous paid holidays and PTO that increases with tenure for both full- and part-time staff. Feedback suggests vacation and holiday benefits are a relative strong point.
Mountain America Credit Union Insights
What We Do
It may be our story, but it's all about you. Mountain America Credit Union first opened its doors in the 1930s with a commitment to guiding our members to achieve their financial dreams. Today, our essence—guidance—remains the focal point of our identity. It’s a purpose-driven identity to ensure that everything we do moves you safely along your journey. Call it a path, a trail, or simply a way through. Sometimes it's arrow straight. Other times it has unexpected twists and turns that require knowledge of the road ahead. From wherever you are to where you see yourself going, there is a clear way forward. It's life's financial journey, and we're here to guide you every step of the way. As your financial partner, we'll help outfit you with the tools for the journey ahead—like convenient, flexible products and services designed around how you really live, as well as sound, timely advice to help steer you around any obstacles. This is your journey. Let's begin together, right here. Equal Housing Lender. Insured by NCUA.
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