Credit Card Fraud Investigator, Sr. jobs in Illinois

Position Summary

This position is responsible for assisting in investigations with regard to criminal theft, Elder Abuse, account fraud and other responsibilities as needed.  The position will assist with legal matters associated with each as necessary.  This position must adhere to the Code of Conduct and internal controls for which this position is responsible, and protect the organization’s value by keeping information confidential.

Essential Duties and Responsibilities:

Fraud Investigations

Responsibilities for this position include: 

• Manage and support the Fraud Analysts in daily pay/return decisions
• Assist AVP-Fraud Investigations Manager with ongoing case investigations and help maintain various external relationships (i.e., Law Enforcement, State & Local Governmental Departments, etc.)
• Perform liaison duties between the bank and external resources as they relate to Fraud and Customer Abuse cases
• Provide guidance to bank staff regarding Fraud and Abuse topics, training, processes, etc., and comply with all applicable laws and regulations as well as the bank’s internal policies and procedures
• Research and assist in the processing of all Regulation E claims
• Support fraud and abuse-impacted customers
• Other duties and responsibilities as required or assigned

Fraud Filters 

This position includes the responsibility of ongoing education concerning Regulation CC. In addition, familiarity with the landscape of Fraud Filters is crucial. Key expectations for this position encompass:

• Working knowledge of verifying the authenticity of teller deposits with other financial institutions
• Working knowledge of all aspects of the Mobile Deposits decision-making process, which includes making instantaneous decisions on whether or not to accept certain deposits and their “holds” if accepted
• Working knowledge of properly endorsed checks
• Working knowledge of the following;
  1. Reviewing all chargebacks
  2. Initiating daily calls to large debit ACH transaction customers
  3. Ability to compare check signatures to customer signature cards on checks over $2500.00
  4. Entering notes into the Encore, Horizon, and BAM Systems
  5. Place proper Regulation CC holds on deposits via the Horizon System
• Other duties and responsibilities as assigned

Levies/Citations/Garnishments

This role is also responsible for the following: 

• Handling legal requirements directed towards the bank 
• Actively complying with all applicable laws and regulations to include the Bank Secrecy Act, the Community Reinvestment Act, and all other deposit, lending, or non-deposit service regulations; adhering to the Bank’s internal policies and procedures contained in the Human Resources Policy and Procedures Manual as well as the Employee Handbook and the Employee Code of Conduct.
• Other duties and responsibilities as assigned by supervisor

Knowledge/Abilities/Experience and Training Required:

• High School graduate or equivalent 
• Strong research skills.  
• Experience in navigating systems, products, procedures, and regulatory frameworks is essential. Proficient in Excel, Word, and other Microsoft programs. 
• Self-driven with outstanding time management and organizational abilities. Demonstrates strong interpersonal skills, attentive listening, effective telephone etiquette, and proficiency in written and verbal communication.
• Demonstrated ability to handle difficult and sensitive business situations while remaining calm and focused
• Solid analytical, creative and problem-solving abilities
• 5 years banking experience is a plus 
• Customer service and all fraud research backgrounds are a plus

Physical Demands: The physical demands described here are representative of those that must be met by employees in order to successfully perform the essential functions of this job.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Employee is regularly required to remain in a stationary position for extended periods of time.
• Employee may need to occasionally move about inside the office to access file cabinets, office machinery, etc.
• Employee may need to constantly position themselves in the office in order to reach upper and lower drawers.
• Employee in this position frequently communicates with staff and customers and must be able to exchange accurate information in these situations.
• Employee may need to frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 20 pounds.
• Employee specific vision abilities required by this position include close vision, distance vision, color vision, peripheral vision, depth perception and ability to adjust focus.

Work Environment:

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. The noise level in the work environment is usually moderate. 

EOE-Females/Minorities/Protected Veterans/Individuals with Disabilities