Job Description

Navigator Credit Union is currently recruiting for a full time Fraud Specialist. If you have a passion for exceptional service, relationship building, and want to be a part of a team that focuses on creating substantial value in the communities we serve, while exceeding goals, we want to hear from you! We encourage all interested, qualified candidates that enjoy working in a fast paced environment to apply. We provide paid vacation after 90 days, paid holidays, 401k with a company match, medical, referral bonus, and several other benefits after 30 days employment for our team members including incentive opportunities. Navigator Credit Union is an Equal Opportunity Employer. Navigator does not discriminate on the basis of race, religion, color, sex, gender identity, sexual orientation, age, non-disqualifying physical or mental disability, national origin, veteran status or any other basis covered by appropriate law.

Role

Assists in the investigation of cases of fraud involving use of electronic/cyber systems, debit and credit cards, ACH, Mobile Deposit, loan and new accounts, account abuse, check forgery, elder abuse, suspected money laundering and check kiting, identity theft and the like.

REMOTE WORK ELIGIBILITY AND REQUIREMENTS:

Fraud Specialist is eligible for remote work. The decision to allow for remote work is within the sole discretion of NCU, and may not be offered to all Risk Department employees. Employees who receive approval for remote work will need to read "Policy 6140: Remote Access" and sign the "Employee Device Policy Acknowledgement Form". Employees working remote are expected to work in an environment that is free from distractions. Employees are also expected to follow all company policies at home, just as if you were in the office, taking special care to lock their computer during times it's not being used. The employee will work with their manager to establish a schedule for in and out of office work. Employees are expected to be able to be available to come into the office at any time during a normal shift, if requested by their manager. In addition, webcams are expected to be uncovered at all time during the working day. Webcams are expected to be used any time an employee is in a meeting. The employee will also need to have internet speed of at least 100Mbps of download speed and 10Mbpd of upload speed of dedicated internet bandwidth. This will need to be verified by the IT department.

Major Duties and Responsibilities

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Proficiently uses a variety of fraud management tools and systems to identify and investigate suspicious financial and non-financial activity on a wide range of products and services Reviews and processes alerts daily using Verafin or other fraud software utilized by the credit union. Effectively initiates contact with members to review suspicious activity; and if necessary, take appropriate actions to mitigate the risk and protect the member's assets. Respond to calls from law enforcement, merchants, banks and victims as needed. Gathering evidence and recommending to management if a case should be initiated with law enforcement in order to control losses. Accurately maintain records of fraud cases. Responsible for processing the daily RBI file. Responsible for reviewing and processing disputes from members and non-members. Disputes include digital banking, bill pay, identity theft, and On-Us check, and other disputes as directed by management. Responsible for monitoring and responding to bill pay fraud alert emails. Including investigation and member communication if necessary. Must actively stay up to date on emerging fraud trends. Provide recommendations for risk control, fraud detection, and prevention. Works to educate the credit union on fraud and fraud prevention. This can include providing training and presentations to new hires and current staff on the subject matter, as directed by management Recommends closures to the SAR committee as applicable. Assist with letters and account restrictions as directed by management. Notifies BSA of any possible reportable suspicious or fraudulent activity. Applies basic analytical skills on high risk financial and non-financial transactions to detect and prevent fraudulent activities for a wide range of enterprise financial products and services. Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control, in addition to all company policies. Other duties as assigned by management.

Knowledge and Skills

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EXPERIENCE

Two (2) years' experience preferred in banking fraud detection and prevention, and BSA experience

EDUCATION/CERTIFICATIONS/LICENSES

High School diploma or equivalent is required. Bachelor's degree in accounting, finance or related field preferred. BSA certification preferred. Completion of a BSA certification will be required within six months of hire; if no certification is present.

INTERPERSONAL SKILLS

A significant level of trust, credibility and diplomacy is required. In-depth dialogue, conversations and explanations with customers, direct and indirect reports and outside vendors can be of a sensitive and/or highly confidential nature. Communications may involve motivating, influencing, educating and/or advising others on matters of significance. Typically includes subject matter experts as well as first level to middle managers.


OTHER SKILLS


Strong analytical and research skills. Must have strong attention to detail and the ability to produce clear and concise written reports. Excellent communication skills (written and verbal). Proficient Computer skills with strong proficiency in Microsoft Office Suite. Strong time management and organizational skills. Ability to work well independently with minimal supervision, as well as in a team environment. Critical thinking skills and ability to take knowledge and apply to a business setting. Ability to take on a task/assignment with little notice. Ability to maintain a high degree of confidentiality.

ADA Requirements

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PHYSICAL REQUIREMENTS

Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 20 lbs. Must be capable of climbing / descending stairs in emergency situation. Must be able to operate routine office equipment including computer terminal and keyboard, microfiche reader, telephone, copier, facsimile, and calculator. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours whenever required or requested by management. Must be capable of regular, reliable and timely attendance.

WORKING CONDITIONS

Must be able to routinely perform work indoors in climate-controlled private office with minimal noise.

MENTAL AND/OR EMOTIONAL REQUIREMENTS

Must be able to perform job functions independently and work effectively either on own or as part of a team. Must be able to plan and direct the work activities of self and others. Must be able to read and carry out various written instructions and follow oral instructions. Must be able to complete complex mathematical calculations and spell accurately. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be able to perform complex mathematical calculations with extreme accuracy. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on both internal and external confidential matters.