Analyst, Fraud Authentication (Bilingual Spanish/English)

BMO Bank N.A.; United States; On-site; USD 42,000 - 80,000; Full time

Benefits offered by this job

Health insurance

Tuition reimbursement

Accident and life insurance

Retirement savings plans

Job summary

BMO Financial Group in Wisconsin seeks a Bilingual Fraud Authentication Analyst (Spanish/English) in the Brookfield area. Spanish fluency is mandatory and you will investigate and report on activities indicating potential financial crime.

You will follow SOPs, provide risk insights, and collaborate with stakeholders to improve investigations, reporting, and processes. This salaried, on-site role includes a benefits package and opportunities for growth.

Qualifications

• Spanish/English bilingualism required.
• Typically, 2-3 years of fraud investigations, fraud prevention, or fraud authentication experience preferred.
• Experience identifying and escalating fraud trends and emerging risks.

Responsibilities

• Conduct investigations to identify and report on activity indicating exposure to financial crimes.
• Follow SOPs to evaluate, document, manage and escalate potential threats.
• Provide subject matter expertise and oversight of criminal risk within frameworks and standards.
• Develop solutions and recommendations based on business strategy and stakeholder needs.
• Provide guidance on implementation of solutions and training to audiences.
• Analyze incidents and cases that may be complex across product lines.
• Prepare reports, notifications and filings per guidelines.
• Support planning of programs to minimize risk exposures and improve processes.
• Maintain and format data into regular and ad-hoc reports and dashboards.

Skills

Bilingual Spanish/English

Fraud investigations experience

Fraud prevention

Fraud authentication

Link Analysis tools

Tools

Link Analysis tools

Job description

Position

Bilingual (Spanish/English) Fraud Authentication Analyst – Brookfield, Wisconsin area; Spanish fluency is a mandatory requirement for this position.

Key Responsibilities

Conducts investigations to identify, assess, decision and report on activity that indicates an exposure to financial crimes. Ensures potential threats and investigations are evaluated, documented, managed and escalated by following standard operating procedures. Provides subject matter expertise and oversight of criminal risk by following a disciplined and intelligence-based approach to detection and research of activities and events in alignment with criminal risk frameworks and standards to ensure compliance as well as support trending, analysis and insights generation. Develops solutions and makes recommendations based on an understanding of business strategy and stakeholder needs. Provides advice and guidance to assigned business/group on implementation of solutions. Helps determine business priorities and best sequence for execution of business/group strategy. Conducts independent analysis and assessment to resolve strategic issues. Supports the execution of strategic initiatives in collaboration with internal and external stakeholders. Builds effective relationships with internal/external stakeholders (e.g. law enforcement agencies and other Financial Institutions to collaborate in investigations). Ensures alignment between stakeholders. Integrates information from multiple sources to enable more efficient processes, enhanced analysis and/or streamlined reporting. Identifies business needs, provides content/develops tools and training programs; may include delivery of training to audiences. Analyzes and assesses incidents or cases that may be complex and require knowledge on several different product lines. Prepares reports, notifications and activity/case filings per guidelines and standards. Supports the planning and implementation of programs designed to minimize risk exposures and maximize the efficiency and effectiveness of the analytical processes. Provides input and develops recommendations for process and customer service improvements. Stays abreast of financial crimes risk trends, relevant regulations and compliance standards. Monitors and analyzes various information provided through detection systems, tools, reports, or manually to evaluate, investigate and determine required actions. Supports the collection of evidence and information to be used for multiple purposes including incident reports/filings, loss prevention, litigation and criminal prosecution, management information and statistics, and process improvements. Documents actions and information found throughout the investigation to develop and maintain account/case files. Develops and maintains an understanding of the financial crime management processes, frameworks and techniques. Gathers and formats data into regular and ad-hoc reports, and dashboards. Analyzes data and information to provide insights and recommendations. Executes routine tasks such as service requests, transactions, queries etc. within relevant service level agreements. Provides notification, information and instructions to internal/external stakeholders related to incidents as necessary. Focus may be on a business/group. Thinks creatively and proposes new solutions. Exercises judgment to identify, diagnose, and solve problems within given rules. Works mostly independently. Broader work or accountabilities may be assigned as needed. Take measured risks while protecting the bank by applying our Risk Management Framework in the execution of your role, in line with our Risk Culture and within our approved Risk Appetite, making sound and risk informed decisions that align to business strategy, protect assets, and adhere to applicable policy documents (Frameworks, Policies, Standards, Procedures and Supporting documents), laws and regulations.

Qualifications

Spanish/English bilingualism required. Typically, 2-3 years of fraud investigations, fraud prevention, or fraud authentication experience preferred. Experience identifying and escalating fraud trends and emerging risks. Experience with Link Analysis tools and complex investigative reporting preferred. Knowledge of risk and regulatory requirements as they apply to financial crimes is an asset. Knowledge of banking products, services, processes, and organization is an asset. Specialized knowledge from education and/or business experience. Verbal & written communication skills - In-depth. Collaboration & team skills - In-depth. Analytical and problem solving skills - In-depth. Influence skills - In-depth.

Salary and Pay Type

Salary: $42,000.00 - $80,000.00 Pay Type: Salaried The above represents BMO Financial Group’s pay range and type. Salaries will vary based on factors such as location, skills, experience, education, and qualifications for the role, and may include a commission structure. Salaries for part-time roles will be pro-rated based on number of hours regularly worked. For commission roles, the salary listed above represents BMO Financial Group’s expected target for the first year in this position. BMO Financial Group’s total compensation package will vary based on the pay type of the position and may include performance-based incentives, discretionary bonuses, as well as other perks and rewards.

Benefits

• BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans.

To view more details of our benefits, please visit: https://jobs.bmo.com/global/en/Total-Rewards

About Us

At BMO we are driven by a shared Purpose: Boldly Grow the Good in business and life. It calls on us to create lasting, positive change for our customers, our communities and our people. By working together, innovating and pushing boundaries, we transform lives and businesses, and power economic growth around the world. As a member of the BMO team you are valued, respected and heard, and you have more ways to grow and make an impact. We strive to help you make an impact from day one – for yourself and our customers. We’ll support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs. To find out more visit us at http://jobs.bmo.com/us/en

Equal Employment Opportunity

BMO is proud to be an equal employment opportunity employer. We evaluate applicants without regard to race, religion, color, national origin, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, transgender status, sexual stereotypes, age, status as a protected veteran, status as an individual with a disability, or any other legally protected characteristics. We also consider applicants with criminal histories, consistent with applicable federal, state and local law. BMO is committed to working with and providing reasonable accommodations to individuals with disabilities. If you need a reasonable accommodation because of a disability for any part of the employment process, please send an e-mail to [e-mail] and let us know the nature of your request and your contact information.