Specialist - Debit Card Fraud Services I

Woodforest National Bank; The Woodlands (TX); On-site; USD 45,000 - 65,000; Full time

Benefits offered by this job

ESOP

401(k) match

Medical plans

PTO

Well-being program

Career growth opportunities

Job summary

Woodforest National Bank is seeking a Specialist, Debit Card Fraud Services I to support administration and customer service while minimizing losses from debit card fraud. You will investigate transactions, process cancellations, and assist with holds and releases in a fast-paced environment.

Working at our Texas Woodlands location, you’ll analyze fraud patterns, collaborate across fraud operations and disputes, and help protect customers by applying regulatory knowledge and strong data analysis

Qualifications

• 2+ years in financial operations or banking.
• 1+ years of fraud, risk, or investigations experience.
• High School Diploma or equivalent required.
• Associates or Bachelor's in Risk Management/Finance preferred.

Responsibilities

• Investigate, analyze, and resolve debit card fraud activity across channels.
• Research suspicious activity, document findings, and support risk actions.
• Monitor 3-D Secure, digital wallets, card-not-present fraud and related events.
• Assess risk involving Zelle, ACH, wires and other transfers.
• Collaborate with fraud ops, disputes and related teams to resolve issues.

Skills

Fraud investigations

Analytical thinking

Reg E knowledge

Customer focus

Attention to detail

Education

High School Diploma or equivalent

Associate's or Bachelor's in Risk Management/Finance

Tools

MS Office

Banking software

Job description

Your Future Starts Here!

Description

Take the next step toward your new career today!

Become a part of the diverse and inclusive team within our nationally recognized award-winning Bank that is one of the strongest in the nation. Woodforest National Bank is privately owned, and our Employee Stock Ownership Plan is the largest shareholder. We focus on building relationships and discovering opportunities to better serve our communities and understand the financial needs of every customer we serve. At Woodforest we care and prove it by volunteering with local charities and foodbanks to give back to the communities we serve. By joining Woodforest you will become a part of one of the largest employee-owned banks in the country!

The Specialist, Debit Card Fraud Services I - is responsible for providing administrative and customer service support in the minimization, prevention, and mitigation of bank losses due to fraudulent Debit Card activity. This includes monitoring and researching suspicious activity, processing card cancellations, reissues, account holds and releases.

Key Responsibilities

• Investigate, analyze, and resolve suspected fraud activity related to debit card products and services, including card-present and card-not-present transactions, 3-D Secure (3DS), digital wallets, tokenization, scams, account takeover activity, friendly fraud, and other card-related fraud events.
• Investigate, analyze, and resolve suspected fraud activity involving alternative payment channels, including Zelle, ACH, wire transfers, and other electronic funds transfer services; document findings and support appropriate risk mitigation actions.
• Monitor merchant activity and conduct investigations involving excessive fraud rates, compromised merchants, common point of purchase (CPP) events, and transaction anomalies.
• Analyze fraud activity, customer behavior, and transaction data to identify emerging risks and assist management in making data-driven decisions.
• Collaborate with fraud operations, disputes, and other departments to identify, elevate, and resolve fraud-related issues

Competencies Required

• Proven ability to resolve conflict, conduct investigations and interviews, and maintain professionalism and composure in challenging situations.
• Strong fact-finding, analytical, problem-solving, and decision-making skills.
• Proficient in technology and internet research, including Microsoft Office applications (Excel, Word, Outlook, and SharePoint), with the ability to quickly learn and navigate financial software systems.
• Working knowledge of banking operations, fraud investigations, and regulatory requirements related to overdrafts, customer claims, and risk management, including a solid understanding of Regulation E.
• Ability to work flexible schedules as needed, with a demonstrated history of reliable attendance and punctuality.
• Excellent organizational, documentation, and data entry skills, with the ability to manage multiple priorities while maintaining accuracy and meeting deadlines in a fast-paced, high-volume environment.
• Demonstrated ability to remain calm, professional, and customer-focused when interacting with customers, business partners, and internal team members.
• Exceptional listening, written communication, and verbal communication skills.
• Strong analytical thinking and problem-solving abilities with the capacity to assess risk and make sound decisions.
• Ability to exercise good judgment and attention to detail when reviewing complex transactions, account activity, and fraud-related cases.
• Self-motivated and adaptable, with the ability to work independently as well as collaboratively within a team environment.

Qualifications

Minimum Qualifications/Experience:

• 2+ years of financial operations or banking related experience required.
• 1 + years of fraud, risk, or investigations experience in banking or financial services industry preferred.

Formal Education & Certification:

• High School Diploma or equivalent required.
• Associates’ or Bachelor's degree in Risk Management, Business, Finance, or a related field preferred.

Work Status:

• Full-Time

Supervisory Responsibility:

• None.

Travel:

• 0% travel expected.

Working Conditions:

• Conditions involve lifting no more than ten pounds, sitting most of the time, but may involve walking, moving, or standing for brief periods, and occasionally lifting and carrying articles like files, ledgers, folders, etc.

Disclaimer:

This job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee. Nothing herein restricts management’s right to assign or reassign duties and responsibilities to this job at any time.

Woodforest is an Equal Opportunity Employer, including Disability and Veterans.

Job

Operations

Primary Location

Texas-The Woodlands

Schedule

Full-time

Work Locations

TX - Operations Center-0100 25231 Grogans Mill Rd The Woodlands 77380

Unposting Date

Ongoing

Organization

Texas - DFW

Strong Culture built on our Core Values: Integrity, Ownership, Service and Community. It’s not just talk. We walk the walk, from the CEO to front-line employees.

Be an Ownerand take control of your future with our Employee Stock Ownership Plan (ESOP), where your hard work translates into real ownership and an opportunity to share in the growth of Woodforest.

401(k) Company Match in ESOP Woodforest adds 50₵ for each $1 you save (up to 6% eligible pay). The match is made in Woodforest stock held in your ESOP account.

Opportunities for Long-Term Growth Take advantage of growth opportunities and professional development to advance in your career.

Banking Products & Services providing convenience, financial savings, and enhanced support to help you achieve your financial goals.

Competitive Base Pay and regular compensation reviews to ensure you continue to earn competitive pay.

Paid Time Away Branch Banking employees are offered PTO. Corporate employees are offered paid vacation and sick time.

Medical Coverage 12 comprehensive plans available at an affordable cost!

Short and Long-Term Disability & Life, AD&D Insurance 100% paid for by Woodforest plus other benefits available that will help ensure you and your family are confident and well-prepared for whatever comes your way.

Well-being Program (Employee Assistance Program) that helps you take care of your physical, mental, and financial health.

Resource Champions are available to connect you to comprehensive services including expert banking, wealth planning, ESOP, health & wellness programs, impactful community involvement & financial literacy education.

This information highlights our rewards and benefits but is not a complete description of our total rewards program. Woodforest reserves the right to modify, amend, suspend, or terminate any reward or benefit at any time for any reason. If there is a conflict between the information and the actual plan documents or policies, the documents or policies will always govern. The information should in no way be construed as a promise or guarantee of employment.

Woodforest National Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to any factor, including veteran status and disability status, protected by applicable federal, state, or local laws.

Woodforest National Bank services customers across Alabama, Florida, Georgia, Illinois, Indiana, Kentucky, Louisiana, Maryland, Mississippi, New York, North Carolina, Ohio, Pennsylvania, South Carolina, Texas, Virginia and West Virginia.