Deposit Transaction Analyst

SUMMARY: Responsible for supporting the bank’s deposit operations by reviewing deposit transactions for possible fraudulent activity.

JOB RESPONSIBILITIES

·Examine check deposits flagged for review by the DirectLink Risk Review application for indicators of potential fraud.

·Validate check authenticity by completing serial number sequence review, signature comparisons, endorsement analysis, and payee/payor inconsistency analysis.

·Perform research and analysis using internal systems (IBS Insight, ImageCentre/Item Research, etc).

·Communicate findings with branch personnel and internal back-office teams to resolve exceptions or gather additional information.

·Decision items in accordance with review findings and branch guidance. Defer and/or escalate items as needed.

·Document all findings in a clear, organized, and accurate manner.

·Identify patterns or recurring issues in flagged deposits and escalate emerging trends to leadership and the Branch Security Team.

·Ensure adherence to Regulation CC, UCC Guidelines, and internal fraud and risk mitigation procedures.

·Assist with training and process improvements. Provide feedback and recommendations to improve fraud-detection rules and overall process flows.

·Perform other departmental duties as assigned.

SKILLS/KNOWLEDGE AND ABILITIES/EXPERIENCE

·Normally requires a high school diploma or GED plus such practical knowledge and skills as would be learned on the job and through training.

·More than two years of experience in Deposit Operations is typically required to demonstrate proficiency in assigned tasks.

·Working knowledge of U.S. banking system fraud trends (check fraud schemes, social-engineering scams, account-takeover indicators, and other emerging fraud tactics).

·Knowledge of FIS core and ancillary systems.

·Strong attention to detail with excellent problem solving and reconciliation skills.

·Working knowledge of Microsoft Office products.

·Proficient PC skills and keyboarding ability.

·Proficient organizational and leadership skills.

·Proficient communication skills.

·Proficient oral and written communication skills.

·Ability to take such actions as would normally be necessary to accomplish expected results in a non-repetitive, but standardized process.

·Refers questionable matters to management.

·Valid driver's license.

WORKING CONDITIONS

·Works in a production-oriented atmosphere.

·Some travel may be required for training and bank mergers.

The above statements are intended to describe the general nature and level of work to be performed by personnel assigned to this job. This information is not intended to be an all-inclusive list of responsibilities, duties and skills required of personnel assigned to this position.