Fraud Analyst

originbank; United States; On-site; USD 45,000 - 65,000; Full time

Job summary

Origin Bank is seeking aFraud Analyst to manage high volumes of alerts, investigate suspicious activity, and open cases in Verafin. You will respond promptly to inquiries from bank staff and review mobile deposit activity to prevent fraud, ensuring proper endorsements and secure transactions.

The role emphasizes thorough reviews of transactions, collaboration with account officers, and maintaining strong fraud controls to protect customer assets.

Qualifications

• Bachelor's degree from a four-year college or university preferred; at least two years of experience in a financial institution with fraud prevention knowledge.

Responsibilities

• Process a high volume of fraud alerts using the bank's fraud detection software.
• Investigates possible fraudulent activity detected through the fraud detection software, the core system, and business units.
• Opens fraud cases with Verafin with complete information.
• Responds in a timely manner to a high volume of emails and phone calls needing assistance.
• Reviews and investigates mobile deposits daily to detect and prevent fraud while ensuring endorsements.

Education

Bachelor's degree from a four-year college or university preferred; at least two years of experience in a financial institution with fraud prevention knowledge

Job description

Your Career. Your Story. Let\'s Write the Next Chapter Together.

At Origin Bank, a job isn\'t just a paycheck - it\'s a meaningful journey. We\'re committed to helping you grow both professionally and personally in an environment where people come first. We offer a competitive total rewards package, including generous benefits and compensation tailored to your skills, experience, and education.

What truly sets us apart is our people-first culture. Here, you\'ll be supported by unique initiatives like our Dream Manager program, one-on-one guidance from a nationally certified health and wellness coach, and free access to certified financial professionals who are here to help you plan for your future.

If you\'re looking for a career that empowers you to make meaningful connections, positively impact others, and pursue your personal and professional dreams‑we\'d love to meet you.

Job Description

• Process a high volume of fraud alerts daily and weekly using the banks fraud detection software. Including but not limited to alerts for check fraud, deposit fraud, ACH fraud, wire fraud, elder abuse fraud, kiting and unusual activity.
• Investigates possible fraudulent activity that has been detected through the fraud detection software, the bank's core system, and business units of the bank.
• Opens fraud cases with the appropriate information in Verafin once fraud has been discovered.
• Appropriately responds in a timely manner to a high volume of emails and phone calls received from bank employees and others needing assistance.
• Process signature validation alerts daily.
• Reviews and investigates all debit card reorders with a recent address change.
• Review and process mobile deposits daily to detect and prevent fraud while also ensuring endorsement requirements are met.
• Completes necessary steps when mobile deposit fraud is detected by restricting accounts and online banking access, placing holds, creating fraud alerts in the fraud monitoring system, and notifying account officers.
• Reviews and investigates Remote Deposit Capture transactions on the Limit Exception Report for high-risk deposit customers.
• Follows up with account officers of fraudulent accounts and other departments to make sure necessary steps are taken to reduce exposure and have the account closed.
• Reviews the external transfer relationship report, and emails account officers to have them verify the new relationships with the customer.
• Investigates and takes necessary steps to recover funds when a fraud loss occurs.
• Request updates on outstanding bank to bank claims on a regular basis.
• Retrieves and reviews surveillance footage regarding fraud related matters.
• Reviews ATM deposits for possible fraud and takes necessary steps if fraud occurs.
• Reviews cases involving potential abuse of vulnerable adults. Reports cases to Adult Protective Services or Elder Protective Services as needed.
• Reviews emails from FIS Risk Management regarding potential fraudulent Zelle or Bill Pay items. Requests bankers to verify questionable transactions with the customer as needed.
• Works incoming and outgoing Zelle disputes within the FIS Customer Service Tool (CST).
• Reviews hourly deposit report to ensure proper holds were placed on high‑risk items.
• Assist with select debit card dispute duties if needed.

Supervisory Responsibilities

This job has no supervisory responsibilities.

Qualifications

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and/or Experience

Bachelor\'s degree (B. A.) from a four-year college or university preferred; at least two years of experience in a financial institution with a thorough knowledge of general fraud prevention and an understanding of banking business functions and processes; or equivalent combination of education and experience.

Language Skills

Ability to read and comprehend simple instructions, short correspondence, and memos. Ability to write simple correspondence. Ability to effectively present information in one-on-one and small group situations to customers, clients, and other employees of the organization.

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 draw and interpret bar graphs.

Reasoning Ability

Ability to apply common sense understanding to carry out detailed but uninvolved written or oral instructions. A