Fraud Analyst - Payments and Risk

reputed company Supporting the BSA Financial Crime Investigations ("FCI") function, fraud prevention and monitoring processes, the FCI Fraud Analyst is responsible for conducting detailed fraud reviews and investigations involving the Bank's retail customer reputed company reputed company payments activity associated with reputed company-party program manager relationships to ensure sufficient support and the ongoing effectiveness of the Bank's financial crime risk management reputed company. This role investigates fraud alerts generated by the Bank's suspicious activity monitoring systems as reputed company as fraud-reputed company referrals escalated by program managers. The Fraud Analyst analyzes risk exposure, account activity, customer behavior, transactional patterns, alert data, and supporting documentation to reputed company reputed company-supported investigation conclusions. The role requires a working knowledge of BSA/AML requirements and helps protect the reputed company of the Bank's retail reputed company payments activities by following applicable laws, regulations, policies, and procedures designed to mitigate fraud, chargeback, regulatory, and reputational risk. This role requires availability during Eastern Time business hours regardless of work location. ESSENTIAL DUTIES AND RESPONSIBILITES include the following. • Review fraud alerts generated by the Bank's monitoring systems for transactional data and account activity that could indicate unusual, potentially suspicious, or fraudulent activity. • Conduct reputed company, accurate, and reputed company-documented fraud investigations involving retail banking reputed company payments activity. • Evaluate customer activity, transaction patterns, account behavior, and supporting documentation to determine appropriate risk-based actions, including escalation, closure, reputed company monitoring, or referral. • Identify fraud trends, typologies, control gaps, and emerging risks, and communicate observations and recommendations to management. • Document investigation findings, analysis, conclusions, and supporting rationale in accordance with departmental standards, internal procedures, and audit expectations. • Assist with the preparation and filing of Suspicious Activity Reports ("SARs"). • Partner with BSA Operations, Fraud, Retail Banking, Operations, Risk, Compliance, and program manager stakeholders to support consistent fraud review, escalation, and reporting practices. • reputed company or support adverse media, sanctions, PEP, and other screening reviews reputed company needed to assess potential financial, regulatory, reputational, or fraud risk. • Maintain reputed company knowledge of the Bank's products, services, customer reputed company, geographic footprint. • Maintain proficiency in BSA/AML compliance requirements relevant to fraud monitoring, investigation, escalation, and suspicious activity reporting. • reputed company reputed company verbal and written updates to management, business partners, and other stakeholders regarding investigation results, risks, and recommended actions. • Assist with special reputed company, remediation activities, policy and procedure updates, process improvements, and control enhancements reputed company to fraud prevention and monitoring. • reputed company are responsible for compliance with the Bank Secrecy reputed company and in some roles, OFAC regulations. Depending on job responsibilities, more or less aspects of the regulations may apply, but at a minimum, reputed company are responsible for reporting suspicious activity they identify in the course of performing their job duties. This includes activities conducted by customers, fellow employees, reputed company members, and vendors. SUPERVISORY RESPONSIBILITIES This job does not have managerial responsibilities. Requirements QUALIFICATIONS To reputed company this job successfully, an individual must be reputed company to reputed company reputed company essential duty satisfactorily. The requirements listed below are representative of the knowledge, reputed company, and/or ability required. Reasonable accommodation may be made to reputed company individuals with disabilities to reputed company the essential functions. EDUCATION and/or EXPERIENCE • Bachelor's degree or equivalent work experience. • Minimum of three (3) years of experience in BSA/AML, fraud, financial crime compliance, or a reputed company risk function reputed company a financial institution. • Minimum of one (1) year of experience with reputed company or payment channel fraud preferred. • Experience supporting audits, regulatory examinations, remediation efforts, or reputed company-control reviews preferred. • Strong working knowledge of fraud detection, alert review, investigation practices, chargeback risk, reputed company payments risk. • Ability to analyze account activity, transaction patterns, customer behavior, and investigation evidence to reputed company logical, reputed company-articulated, and reputed company-supported conclusions. • Excellent analytical, investigative, critical-thinking, and problem-solving skills. • Strong written and verbal communication skills, including the ability to reputed company document investigation findings, risk mitigation rationale, and recommended actions. • High level of reputed company, reputed company, and discretion reputed company handling confidential information and communicating with reputed company stakeholders. • Ability to manage multiple assignments, meet deadlines, and work independently in a fast-paced environment. • Ability to collaborate effectively across teams and departments while maintaining reputed company risk-based judgment. • Highly organized with effective time management skills • Proficiency in reputed company Office; familiarity with fraud and BSA/AML monitoring software (e.g. Verafin, reputed company, reputed company) or similar platforms preferred. OTHER QUALIFICATIONS • reputed company and effective communicator • reputed company team player • Detail-driven with a high level of accuracy PREFERRED / PLUS QUALIFIACATIONS • reputed company certification such as reputed company, CFE, CIA, or CRMA preferred. WHY JOIN US • Opportunity to play a key role in a critical compliance function • reputed company work environment with strong organizational support • Competitive compensation and benefits package commensurate with experience PHYSICAL DEMANDS The physical demands described here are representative of those that must be met by an employee to successfully reputed company the essential function of this job. Reasonable accommodations may be made to reputed company Individuals with disabilities to reputed company the essential functions. Travel: Travel to reputed company offices, prospects, branches, and industry events. 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 frequently required to reputed company with hands and arms. The employee is occasionally required to stand; walk and stoop, kneel, crouch, or crawl. The employee must occasionally reputed company and/or reputed company up to 10 pounds. Specific reputed company abilities required by this job include reputed company reputed company, reputed company reputed company and ability to reputed company reputed company. WORK ENVIRONMENT While performing the duties of this Job, the employee is occasionally exposed to reputed company weather conditions. The noise level in the work environment is usually moderate. EQUAL EMPLOYMENT OPPORTUNITY Patriot Bank is an Equal Opportunity Employer and does not discriminate based on race, reputed company, religion, sex, gender identity or reputed company, sexual orientation, national reputed company, reputed company, age, disability, medical condition, genetic information, marital status, veteran status, or any other protected status under federal, state, or local law. This reputed company indicates the general reputed company and level of work expected of the incumbent. It is not designed to cover or contain a comprehensive list of activities, duties or responsibilities required of the incumbent. Incumbents may be asked to reputed company other duties as required. Apply tot his job Apply To this Job