Fraud Investigation Supervisor jobs in Santa Ana, CA

Workplace Excellence. Through our associates' opinions and voices, Orange County's Credit Union is proud to be recognized year over year as one of the best places to work in Orange County and is a recipient of the Peter Barron Stark Best of the Best Award for highest associate satisfaction in the workplace!

As a leading financial service provider with over 80 years of experience serving 117,000 members, Orange County's Credit Union is currently over $2 billion in assets & growing. Generous benefits include paid health insurance, time-off benefits, 401(k), and a professional, friendly work environment focused on achieving goals, recognizing successes and excelling at member service.

Generous benefits including:

• Anthem Vivity HMO & Delta Care USA Dental - Orange County's Credit Union (OCCU) covers 100% of the associates' monthly premium
• Life insurance at no cost to employee.
• 401(k) – OCCU automatically contributes 3% of the employee’s earnings PLUS matches up to 5% of the employee’s contribution (dollar for dollar)
• Vacation hours – 13 days per year and rolls over year to year, and increases with tenure 
• Sick hours – 7 days per year and rolls over year to year
• Paid Holidays – 12 days per year plus 3 partial days
• Annual performance merit increases 
• Professional and personal development programs, including educational grants up to $2k per year, and step progression opportunities    
• Annual discretionary bonus 
• Professional, friendly work environment focused on achieving goals, recognizing successes, and excelling at member service.

Putting People First: Connect, Discover, Deliver & Wow is Orange County’s Credit Union mantra. If you’re passionate about serving people, this role is rewarding, brings purpose, and the opportunity to make a difference! 

Fraud Prevention Senior Analyst

POSITION SUMMARY: The Fraud Prevention Sr. Analyst is responsible for identifying high-risk transactions, researching and resolving suspicious activity. Maintains current knowledge of the Fraud Prevention area’s unique attributes and Member needs. Assists with implementation of fraud detection, prevention, and mitigation analytics, tools, techniques, and controls, and recommends correction items in response to loss or high risk events. Performs investigations and collaborates with appropriate business partners and local, state, and federal authorities. 

ESSENTIAL FUNCTIONS:

• Reviews reports, systems and correlating data to identify potentially fraudulent transactions and emerging threats and places appropriate account restrictions or adopts other mitigating measures to ensure the Credit Union’s loss is minimized. 
• Tracks financial industry fraud trends and recommends mitigating solutions. 
• Prepares written fraud trends and losses reports.   
• Acts as the escalation point of contact for fraud mitigation issues, problems, questions directly related to Fraud Mitigation and services.  Assists members and staff with resolving difficult or complex issues with quick turnaround and accuracy. 
• Performs routine service observations and provide feedback to staff members and update the department manager. Develops and updates the department’s presence in the intranet, On-Line Tools, and credit union website to ensure accuracy and relevance.  
• Regularly communicates with front line associates and other departments about fraud mitigation procedures, changes or other kinds of relevant updates as this information allows them to serve the member better when they understand what they are and why. 
• Maintains maximum accuracy, efficiency and work flow according to proper fraud mitigation procedures and controls. Assists in key projects that drive internal and external process change.  
• Partners with other departments to identify and implement fraud mitigation process changes.   
• Utilizes tact and good judgment to resolve issues and supports associates with difficult situations.
• Conducts special studies, collects a variety of data and information, analyzes and summarizes such information, makes recommendations and provide statistical reports.
• Develops profiling and trending of fraud losses and recommendations to mitigate losses. Elevates critical fraud cases to management for further review. 
• Identify cardholder common points of compromise and communicate promptly to prevent losses. Monitors and reviews the share charge off and recovery process.
• Identifies high risk transactions and responds timely to mitigate potential losses by placing holds, restricting accounts, and recommends account closures.
• Reviews and analyzes Courtesy Pay activity to assess the risk exposure.  Provides recommendation to management and process restrictions or removals as appropriate.
• Maintains a working knowledge of the BSA/AML program with emphasis on CIP and money laundering.
• Prepares fraud-related Suspicious Activity Reports (SARs) timely and accurately. 
• Complies with State and Federal laws and regulations (including but not limited to BSA, AML, OFAC, Regulation CC, D, E and Z) in performing day-to-day functions.
• Works closely with Management on reviewing and monitoring accounts for potential fraudulent activity.
• Acts as credit union liaison with members to respond and remedy issues; works cooperatively with other credit union departments to correct undesirable account conditions and assist in finding timely solutions to problems.
• Protects the confidentiality of all financial data relating to Credit Union operations and its members.

ASSOCIATE EXPECTATIONS:

• Consistently practices the Service Philosophy of “Put People First” exercising the Connect, Discover, Deliver & Wow components in every encounter with internal and external members, creating extraordinary experiences. 
• Cross sells and promotes credit union products and services as opportunities arise
• Exhibits the Leaders at All Levels concept of Leading Yourself, Leading Up, Leading across Teams, and Leading the Team.  
• Utilize personal Strengths to contribute to the Team and the Credit Union success, and exercise awareness of, and utilizes the strengths of others. 
• Possesses knowledge of, and complies with Bank Secrecy Act (BSA)
• Effectively conveys information.  Communicates with immediate supervisor and the team keeping others advised of progress and/or situations.  
• Displays behavior that matches the value of Mutual Respect by relating favorably at all levels within the organization.
• Supports and contributes to the credit union’s strategic plan, mission, vision, and values.
• Maintains good housekeeping, safety and security measures.
• Displays professional appearance.
• Utilizes stress in a productive manner and works well under pressure.  
• Cooperates with others credit union associates to achieve credit union goals and objectives.  Projects good will and a positive credit union image.
• Complies with all Orange County’s Credit Union policies, service standards, safety standards, procedural guidelines, and regulatory compliance, and completes all assigned training. 
• Has regular and predictable attendance which is essential.
• Cares for equipment and follows proper guidelines for use.

OTHER DUTIES: 

The preceding functions have been provided as examples of the types of work performed by associates assigned to this job classification.  Credit Union Management reserves the right to add, modify, change or rescind the work assignments of different positions and to make reasonable accommodations so that qualified associates can perform the essential functions of the job.

• Performs other work-related duties as assigned.
• Assist Risk Management Fraud Mitigation Analyst with duties and task.
• May serve as backup for other ERM functions and positions.
• May be a disaster recovery team member or take directives from a disaster team recovery member.

QUALIFICATIONS:

Experience/ Training/ Education:

• College degree in business or related field or equivalent knowledge. 
• Three to five years’ experience with in Risk Analysis and Risk Management tools. 
• Subject matter expert (SME) and be able to demonstrate skills/experience supporting all products. 

Knowledge/ Skills/ Abilities:

• Strong investigative and analytics skills
• Knowledge of financial Institutions anti-fraud processes and experience.
• Knowledge of credit union applicable rules and regulations, policies, and procedures.
• Excellent communication/influence skills both verbally and in writing and excellent
     telephone manner, with strong presentation skills to be able to produce reports,
     conduct presentations and group facilitations.
• Must have personal computer skills and be proficient with Microsoft programs at an
     intermediate skill level.
• Able to manage and execute multiple complex projects within required timelines and
     expectations.
• Requires good memory, knowledge retention skills and ability to multi-task, prioritize
     projects and duties effectively. Requires excellent follow-through skills.
• Ability to accurately perform mathematical calculations.
• Ability to interface with others in a positive and professional manner.

The targeted hourly range is $40 - $48. Final offer will be determined based on experience, education, training/certifications and specialized skills.

We perform thorough background checks, credit checks and pre-employment drug screening. EOE.