Payments Fraud Specialist

ADP, Inc.; Missoula (MT); On-site; USD 42,000 - 64,000; Full time

Benefits offered by this job

Health insurance

PTO

401(k) match

Paid volunteer time

Job summary

Clearwater Credit Union in Missoula, MT is seeking a Full-Time Payments Fraud Specialist to join our Payments team. You will respond to fraud alerts, investigate suspicious activity, and help protect members' accounts in real time.

In this role you will monitor transactions across ACH, debit and credit cards, checks, wires, and digital banking, educating members on fraud risks and recovery options while delivering exceptional service.

Qualifications

• Two to five years of similar or related experience.
• High school degree or equivalent.

Responsibilities

• Respond to fraud alerts and investigate in real time.
• Engage with members to explain fraud risk and recovery steps.
• Monitor transactions across ACH, debit/credit, checks, wires, and digital channels.
• Initiate the dispute process with required documents.
• Communicate via phone to support fraud prevention and recovery.

Skills

Analytical

Attention to detail

Empathetic communication

Education

High school degree or equivalent

Job description

Are you analytical, passionate about fighting fraud, and interested in building a secure financial future for our community? Clearwater Credit Union is accepting applications for a Full-Time Payments Fraud Specialist to join our Payments team in Missoula, MT. This pivotal role safeguards our members and our institution by identifying, investigating, and addressing fraudulent alerts in real time.

As a Payments Fraud Specialist, you will be at the forefront of fraud prevention, working closely with fraud analytics platforms. You’ll respond to alerts, proactively reach out to members when suspicious activity is detected, and serve as a trusted guide on recovery next steps should fraud occur. Your strong analytical skills, attention to detail, and member-first mentality will help us deliver exceptional service and protect our community.

Essential Functions and Responsibilities

• Deliver exceptional service to both internal and external members, understanding their concerns and supporting them through the fraud resolution process.
• Review and monitor transaction behavior across multiple payment channels to detect, investigate and shut down fraudulent activity. These platforms include ACH, debit and credit cards, checks, wires, and digital banking.
• Provide member education and support by assisting members in understanding fraud risks and recognizing suspicious activity as well as offering resources and guidance to help members resolve fraud related issues and protect their accounts moving forward.
• Initiate the dispute process for suspected fraudulent transactions by collecting required documents and members statements in accordance with regulatory and internal guidelines.
• Manage both incoming and outgoing member communication via phone to support fraud prevention and recovery.

Qualifications

• High school degree or equivalent.
• Two to five years of similar or related experience, including time spent in preparatory positions.

A successful candidate would have a keen eye for detail and patterns to analyze potential fraudulent situations. The candidate would be able to communicate with empathy, clarity, and professionalism during difficult conversations. They would be highly organized, detailed-oriented, and committed to providing the highest quality member service.

Clearwater Credit Union is an equal opportunity employer and offers over 25 benefits beyond salary, including health insurance, PTO, 401(k) match, paid volunteer time and more!