Operations Fraud Analyst

Burke & Herbert Bank & Trust; Camp Hill (Cumberland County); On-site; USD 28,000 - 39,000; Full time

Job summary

Burke & Herbert Bank & Trust is looking for a Fraud Analyst to detect, investigate, and respond to fraud across payment and deposit channels. The role focuses on strengthening prevention controls and documenting investigations.

You will support branches with timely fraud analysis, review alerts for ACH, wires, Zelle, online banking, and checks, and take appropriate actions while ensuring regulatory compliance.

Qualifications

• Minimum two years' experience in banking operations or fraud analysis.
• Experience with ACH, wires, Zelle, online banking, and checks preferred.
• Ability to collaborate across branches and internal teams in a fast-paced environment.
• Strong written and verbal communication and documentation skills.

Responsibilities

• Detect, investigate, and respond to fraud activity across payment and deposit channels.
• Strengthen fraud prevention controls by identifying trends and gaps.
• Disposition of fraud alerts in accordance with regulations, network rules, and internal procedures.
• Support branches with timely, well-documented fraud analysis and decisioning.
• Review and disposition alerts for ACH, Wire Transfers, Zelle, Online Banking, and Check transactions.
• Analyze transaction activity, account history, and customer behavior to identify fraud or takeovers.
• Determine and execute actions including approvals, account restrictions, blocks, returns, and escalations.
• Coordinate with branches and other teams to resolve fraud alerts efficiently.
• Document investigations and actions for audits and regulatory reviews.
• Assist with fraud-related account controls and loss mitigation efforts.

Skills

Fraud detection

Analytical skills

Documentation

Communication skills

Microsoft Office

Education

High school diploma or equivalent

Job description

Burke & Herbert Bank & Trust

CLASSIFICATION: Non-Exempt

REPORTS TO: Deposit Operations Manager

JOB DESCRIPTION

Summary/Objective

Protects customers and the bank by detecting fraud early and strengthening fraud prevention practices across payment programs.

Essential Functions

• Detect, investigate, and respond to fraud activity across payment and deposit channels to minimize customer impact and financial loss
• Strengthen fraud prevention controls by identifying trends, control gaps, and emerging fraud risks
• Ensure accurate disposition of fraud alerts in accordance with regulations, network rules, and internal procedures
• Support branches and internal partners with timely, well-documented fraud analysis and decisioning
• Review and disposition fraud alerts for ACH, Wire Transfers, Zelle, Online Banking, and Check transactions in accordance with bank policies and risk thresholds
• Analyze transaction activity, account history, and customer behavior to identify potential fraud, account takeover, or unauthorized transactions
• Determine and execute appropriate actions, including approvals, account restrictions, blocks, returns, and escalations
• Perform transaction‑specific reviews: ACH: Identify unauthorized or suspicious debits and credits; initiate returns and adjustments in accordance with NACHA rules
• Wires: Review high‑risk, duplicate, or socially engineered wire activity; verify changes to instructions or beneficiaries
• Zelle: Investigate alerts related to scams, account takeover, and suspicious person‑to‑person payment activity
• Online Banking: Monitor unusual login behavior, device changes, velocity anomalies, and transaction deviations
• Checks: Identify counterfeit, altered, forged, duplicate, or encoding‑related items
• Coordinate with branches, customer service, digital banking, and deposit operations to resolve fraud alerts efficiently
• Document investigations, decisions, and actions clearly and accurately to support internal controls, audits, and regulatory reviews
• Assist with fraud‑related account controls, customer notifications, and loss mitigation efforts
• Monitor fraud trends and elevate emerging risks or control weaknesses to management
• Ensure confidentiality of all information obtained during fraud investigations

Other Duties

• Other duties as assigned

Skills/Abilities

• Strong analytical skills with the ability to detect patterns and anomalies
• High attention to detail with strong documentation and organizational skills
• Proficiency with Microsoft Office (Word, Excel)
• Strong written and verbal communication skills

Supervisory Responsibility

This position does not have supervisory responsibilities.

Work Environment

This job operates in an office setting, the opportunity to telework is not available. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines. Office environment with job duties conducted via telephone, face to face meetings, and on the computer.

Physical Demands

This position requires manual dexterity, the ability to lift files and open cabinets. This position requires bending, stooping or standing as necessary.

Travel

Limited local travel may be required for this position.

Education and Experience

• Minimum two years' experience in retail banking or banking operations required
• Prior experience in fraud operations, deposit operations, ACH, card services, or back-office banking preferred
• Experience working across internal teams in a fast-paced operational environment
• High school diploma or equivalent
• Working knowledge of ACH, wire transfers, Zelle, online banking, and check processing
• Understanding of regulatory and network requirements
• Core banking system familiarity

For Applicants located in Preston, Maryland (MD): The anticipated salary range for this position is $20.00-$27.00 per hour.For Applicants from all other locations: The salary will be based on experience, qualifications, and geographic location.The ranges listed for Maryland represent the good‑faith compensation the Company reasonably expects to pay for the position at the time of posting. Actual compensation will be determined based on factors including, but not limited to, the candidate's skills, qualifications, experience, education, certifications, internal equity, and business needs. This position may also be eligible for additional compensation, such as bonuses or incentive pay, where applicable.

Equal Employment Opportunity/M/F/disability/protected veteran status

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.

This employer is an equal opportunity/affirmative action employer. All qualified applicants will receive consideration for employment without regard to sex, gender identity, sexual orientation, race, color, religion, national origin, disability, protected veteran status, age, or any other characteristic protected by law.

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