Operations Fraud Analyst

Burke & Herbert Bank; Moorefield (WV); On-site; USD 28,000 - 37,000; Full time

Job summary

Burke & Herbert Bank is seeking an Operations Fraud Analyst for on-site work in Moorefield, WV, Camp Hill, PA, or Preston, MD. You will detect and respond to fraud across ACH, wires, Zelle, online banking, and checks, strengthening controls and supporting branches with timely investigations.

Ideal candidates have at least two years in banking operations and knowledge of NACHA rules, regulatory requirements, and fraud prevention practices.

Qualifications

• Minimum two years’ experience in retail banking or banking operations.
• Experience in fraud operations, deposit operations, ACH, card services, or back-office banking preferred.
• Working knowledge of ACH, wire transfers, Zelle, online banking, and check processing.
• Understanding of regulatory and network requirements.

Responsibilities

• 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.
• 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.

Skills

Analytical thinking

Attention to detail

Microsoft Office

Communication skills

Education

High School Diploma or Equivalent

Job description

Company Description:

Burke & Herbert Bank, established in 1852, is the oldest continuously operating bank in the Washington, D.C. region and has a longstanding tradition of serving individuals, families, and businesses. As a local community bank with more than 100 branches across Delaware, Kentucky, Maryland, Pennsylvania, Virginia, and West Virginia, the Bank offers a full range of business and personal financial solutions. The organization prides itself on being large enough to provide comprehensive services while remaining personal, friendly, and caring as a workplace and financial partner. Burke & Herbert Bank is focused on anticipating customer needs and delivering an enhanced banking experience. The Bank is a Member FDIC and an Equal Housing Lender.

The Operations Fraud Analyst is a full-time, on-site position located in Moorefield, WV, Camp Hill, PA or Preston, MD.

Role Description

The Operations Fraud Analyst protects customers and the bank by detecting fraud early and strengthening fraud prevention practices across payment programs.

Essential Functions

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

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

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.

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.