Electronic Payments Fraud Analyst

GENERAL DESCRIPTION OF POSITION

The Electronic Payments Fraud Analyst is responsible for monitoring analyzing and investigating potential fraud across ACH FedNow and RTP transactions. The position ensures compliance with updated NACHA requirements strengthens fraud prevention controls and supports the integrity of the organizations electronic payment operations. This role provides ongoing risk assessment reporting and escalation support to leadership.

ESSENTIAL DUTIES AND RESPONSIBILITIES

1. Conduct daily reviews of ACH FedNow and RTP transactions to identify anomalies unusual customer behavior or indicators of potential fraud.

2. Collaborate with internal department as well as external financial institutions to validate transactions resolve disputes and coordinate fraud related inquiries

3. Oversee risk assessments internal audits and ongoing control reviews for FedNow and other real time payment services.

4. Communicate fraud strategies to assist in keeping the bank safe and prevent future fraud events.

5. Stay up to date on fraud and updates management on a weekly basis.

6. The ability to work in a constant state of alertness and in a safe manner.

7. Complete required BSA/AML training and other compliance training as assigned.

8. Perform any other related duties as required or assigned.

QUALIFICATIONS

To perform this job successfully an individual must be able to perform each essential duty mentioned satisfactorily. The requirements listed below are representative of the knowledge skill and/or ability required.

EDUCATION AND EXPERIENCE

Knowledge of a specialized field (however acquired) such as basic accounting computer etc. Equivalent of four years in high school plus night trade extension or correspondence school specialized training equal to two years of college plus 3 years related experience and/training or equivalent combination of education and experience.

COMMUNICATION SKILLS

Ability to read analyze and understand common scientific and technical journals financial reports and legal documents; Ability to respond to complex or difficult inquiries or complaints from customers regulatory agencies or members of the business community.

MATHEMATICAL SKILLS

Ability to add subtract multiply and divide in all units of measure using whole numbers common fractions and decimals. Ability to compute rate ratio and percent and to prepare and interpret bar graphs.

CRITICAL THINKING SKILLS

Ability to define problems collect data establish facts and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.

REQUIRED CERTIFICATES LICENSES REGISTRATIONS

AAP Required

PREFERRED CERTIFICATES LICENSES REGISTRATIONS

None indicated.

SOFTWARE SKILLS REQUIRED

Intermediate: 10-Key Accounting Alphanumeric Data Entry Contact Management Database Spreadsheet Word Processing/Typing

Basic: Human Resources Systems Payroll Systems Presentation/PowerPoint

WORKING CONDITIONS

Normal working conditions as found within an office setting wherein there is controlled temperature and a low noise level plus a minimum of distractions.

ENVIRONMENTAL CONDITIONS

The following work environment characteristics described here are representative of those an employee encounters while performing 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 ACTIVITIES

The following physical activities 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 and expectations.

Highly-repetitive low physical. Highly repetitive type of work which requires concentration in the performance of tasks for consistent time cycles as prescribed by the tasks.

While performing the functions of this job the employee is continuously required to talk or hear; frequently required to sit and use hands to finger handle or feel; and occasionally required to stand walk reach with hands and arms climb or balance and stoop kneel crouch or crawl. The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include distance vision.

ADDITIONAL INFORMATION

- requires experience monitoring electronic payment channels (ACH FedNow RTP) and identifying fraud-related activity

Required Experience:

IC