Investigates a wide variety of fraud claims while maintaining the confidence of the member; conducts special investigations and provides assistance across the Credit Union; performs research and analysis to protect the Credit Union from loss and exposure.
Job Description
Essential Duties and Responsibilities
Monitors and analyzes fraud claims, including but not limited to; identity theft, check fraud, online banking, credit and debit card disputes.
Investigates alleged fraud cases; interviews members to gather information; prepares and obtains necessary documentation; contacts law enforcement; researches history and notates account regarding fraudulent activity.
Provides information and assistance to other departments regarding security and fraud related situations; assists branches regarding transactions on fraud associated accounts.
Performs research and analysis of returned checks to identify counterfeit items, fraud or other improper activity; maintains reports and databases including, but not limited to; investigations, red flags and restitutions.
Stays abreast of all Security and Fraud industry codes and standards, as well as all applicable Local, State and Federal laws and regulations.
Company Wide Expectations
Maintains a professional image and demeanor at all times, consistently demonstrating Credit Union RISE Values and adhering to the Code of Ethics.
Delivers friendly, caring service to internal and external members.
Complies with all applicable State, Federal and NCUA rules and regulations and all Credit Union policies and procedures.
Follow all physical and online security procedures and maintain strict confidentiality of all member information.
Completes all required regulatory and compliance training and maintains required knowledge of Credit Union products and services.
Works scheduled hours and maintains punctuality.
Performs other related duties as assigned or requested.
EDUCATION/EXPERIENCE
Minimum Qualifications
To perform this job satisfactorily, an employee must be able to carry out each essential duty competently. The requirements listed below are representative of the education, experience, skills and abilities required. An equivalent combination of education and experience may be considered.
Education Requirement
High School Diploma or GED - Required
Experience Requirement
2 Years - Fraud Investigation Experience - Required
Skills/Abilities
Effectively apply internal and external customer service practices and processes to meet quality service standards and achieve member satisfaction.
Learn and apply information, on a wide range of Credit Union products, services and regulatory compliance requirements, in order to assess member situations and develop solutions.
Provide guidance in the resolution of problems utilizing knowledge and experience within areas of responsibility.
Use logic, reasoning and mathematical skills to solve practical problems and make sound decisions.
Communicate in a professional manner and deliver information clearly and effectively. Actively listen to questions, opinions and ideas of others. Use tact and diplomacy in sensitive and confidential situations.
Use correct English including spelling, grammar and punctuation.
Operate computers and use business software and other standard office equipment.
Understand and follow written and oral instructions.
Set priorities and manage one’s own time effectively. Efficiently handles changing deadlines and multiple concurrent tasks.
PHYSICAL DEMANDS
The physical demands described here are representative of those that must be met by employees to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Physical Requirements
Intermittent standing, sitting, walking, bending and climbing.
Using hands repetitively to handle, feel or operate computers and other standard office equipment.
Reaching with hands and arms.
Intermittent lifting and carrying up to 25 pounds.
WORK ENVIRONMENT
An employee in this job will experience the following main work environments, others not listed may also be encountered on occasion;
Works in general office environment in a financial services facility.
Redstone Federal Credit Union is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, protected veteran status or status as an individual with disability. All qualified applicants will not be discriminated against on the basis of disability.
We are proud to be a Drug-Free and Tobacco Free Workplace.
