Summary

Analyzes high risk financial and non-monetary transaction data to detect and prevent fraud activities, including instances of counterfeit, lost/stolen, non-receipt, fraud application, identity theft, account takeover and member abuse. Performs moderately complex work assignments and problem resolution. Performs monitoring and analysis of transactions and accounts to ensure adherence with the requirements of the Bank Secrecy Act/Anti-Money Laundering, Office of Foreign Assets Control and Customer Information Program

Essential Duties

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

· Identify trends of suspicious financial activity and monitor and research suspicious financial transactions

· Collaborates with team members to resolve issues and identifies appropriate issues for escalation

· May initiate contact with the customer and/or responsible Bank team member to confirm suspicious activity and/or fraud

· Takes appropriate action to minimize loss

· Develops financial product, system, and process knowledge relating to detect fraud activity

· Reports validated fraud activity and Financial Security Investigation results to the BSA and Fraud Officer

· Acquires and applies foundational knowledge of the business, its products, and processes to identify and recommend solutions and improvements that prevent and detect fraud activities

· Must be organized, self-motivated and team player

· Ability to operate a personal computer

· Foster teamwork in the branch or department to ensure a positive overall customer experience and positive work environment.

· Punctuality and good attendance are imperative

· Participate in bank training to enhance skill set and meet compliance requirements

· Non-Exempt - Ability to work your schedule up to 40 hours with little or no overtime and complete tasks assigned

Minimum Requirements

These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.

Must be able to pass a background and Credit check

· High School Diploma + 5 years of related experience or a Bachelor's degree (or equivalent work experience) 2+ years of relevant operational financial services support in Banking. Work related experience should consist of an in-depth background in fraud monitoring, detection, prevention, investigations and reporting. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be applicable to the financial industry.

· Skill to combine pieces of information to form general rules or conclusions (includes finding relationship among seemingly unrelated events)

· Knowledge of Bank Secrecy Act, Anti-Money Laundering, Office of Foreign Assets Control and Customer Information Program requirements

· Ability to use Microsoft Office tools and applicable systems

· Intermediate to advanced Microsoft Excel skills preferred

· Experience working with sensitive and confidential customer data

· Ability to adapt, analyze issues and make decisions, and to collaborate and listen effectively

· Excellent social and networking skills to support the community bank image

· Complete in-house training based on requirements set up for this position

· Proven ability to provide an Excellent Customer Experience

· Basic skills in computer terminal and personal computer operation; word processing and spreadsheet software.

· Effective oral, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, interpret documents, understand procedures, write reports and correspondence, speak clearly to customers and employees.

· Effective time management skills

· Ability to maintain confidentiality at all times

· Ability to work with minimal supervision while performing duties.

· Ability to deal with routine problems involving multiple facets and variables.

· Must follow company policies, all state and federal laws, regulations and guidelines

· Current driver's license and a vehicle with appropriate insurance coverage if required to drive in the course of performing assigned duties and responsibilities.

The incumbent must be able to perform this position safely, without endangering the health or safety to themselves or others.

Secondary Duties

The position of Fraud Analyst performs duties specific to the position and other functions as assigned.

Supervisory Responsibilities

The position of Fraud Analyst has no supervisory responsibility.

Environment and Physical Activity

The environment for this position is an open office that is mostly clean and comfortable and includes driving a Bank or personal-owned vehicle approximately 10% of the time which includes exposure to the outside weather elements and moving mechanical parts. It may include some minor annoyances such as noise, odors, drafts, etc. The incumbent is in a non-confined office-type setting in which he or she is free to move about at will.

The incumbent in the course of performing this position spends time writing, typing, speaking, listening, lifting (up to 10 pounds), carrying, seeing (such as close, color and peripheral vision, depth perception and adjusted focus), driving, sitting, pulling, walking, standing, squatting, kneeling and reaching.

The incumbent for this position may operate any or all of the following: telephone, copy and fax machines, calculator, computer terminal, personal computer and related printers.

Mental Demands

The incumbent in this position must be able to accommodate to reading documents or instruments, detailed work, problem solving, customer contact, reasoning, math, language, presentations, verbal and written communication, analytical reasoning, stress, multiple concurrent tasks, and constant interruptions.

MEMBER FDIC – EQUAL OPPORTUNITY EMPLOYER

This is not necessarily an exhaustive list of all responsibilities, duties, skills, efforts, requirements or working conditions associated with the job. While this is intended to be an accurate reflection of the current job, management reserves the right to revise the job or to require that other and/or different tasks be performed as assigned.

We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, or any other characteristic protected by law.

Herring Bank

Herring Bank was founded in 1899, by Colonel Herring. Colonel Herring lived in Vernon, TX and saw a need for a bank. The cattleman would drive their cattle from Oklahoma through Vernon to Fort Worth to sell their cattle. When the cattleman sold their cattle and they went back to Oklahoma they were loaded with cash. Oklahoma was know as the badlands for a good reason, when the cattleman crossed in to Oklahoma they could lose their life and it was a sure bet that they would lose their money. With a bank in Vernon, TX, Herring Bank, they could deposit their funds and when they crossed into Oklahoma, the badlands, they would not lose their money, so the thieves had no reason to rob them

At Herring Bank we “Build Relationships for a Lifetime” come join us at our family owned bank.

Company Website: www.herringbank.com

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I understand that I will be considered to be an "Applicant" only if I have properly completed this application, designated a particular position that is open (or may come open in 90 days) and my background and qualifications meet Herring Bank's requirements for such position. I certify that all information given on this application is true and correct. I understand that any misrepresentation or falsification of information or material omission will be cause for rejection of my application or for subsequent corrective action or termination of employment if discovered at a later date. I certify that I will read and understand Herring Banks substance abuse policy. If my application for employment is accepted, the effective date of my employment shall be the time I actually begin to work. If I am employed, I agree to comply with and be bound by Herring Bank's policies, practices, safety and health rules. I understand that my employment is not guaranteed for any term and that my employment may be terminated by the company or myself at any time with or without cause. No management official is authorized to make any oral assurance or promise of continued employment. I hereby give Herring Bank the right to make a thorough investigation of my past employment, education and activities and release from all liability, from all person, companies, corporations and agencies supplying such information. I indemnify Herring Bank against any liability that might result from making such investigation and acknowledge the results of any such investigation may be grounds for disqualifying me or terminating my employment. I have read and full understand the contents of the Certification and Agreement Section.*

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I was referred to this position by a current employee

Who referred you?

Herring Bank

Fraud Analyst

Location

Amarillo Civic Cir

Type

Full Time

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Herring Bank

Company Website: www.herringbank.com

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