Deposit Fraud Risk Analyst

Deposit Fraud Risk Analyst

Come to work for a company you can be proud to work for...and enjoy fantastic, comprehensive benefits.

The hiring range for this opportunity is $20.50 to $23.00 per hour along with incentive opportunities, creating a competitive total compensation package based on our pay scale, and may be modified by location and is commensurate with qualifications and experience.

The schedule for this position will be Monday through Friday, 9 : 30 am to 6 : 00 pm.

Position Summary

The Deposit Fraud Risk Review Analyst is primarily responsible for the daily risk monitoring, verification, and reconciliation of imaged deposits which includes mobile, ATM and business remote deposit capture ensuring compliance with bank policies, procedures, and risk tolerance.

The Deposit Fraud Risk Review Analyst is primarily responsible for the detection and prevention of fraudulent deposits on consumer and business imaged deposits. This position is also responsible for verifying signatures on check images for on-us check items and monitoring for signature verification.

Major Responsibilities

Has developed expertise and skills through considerable work experience.

Reporting to the Deposit Clearing Manager. Ability to work within established procedures with a minimal degree of supervision.

Fully knowledgeable on the day-to-day activities.

Carries out the task of investigating potential deposit fraud on imaged deposit product which includes consumer and business accounts. Follows department deposit review procedures reviewing each fraud risk element.

Responsible for verifying signatures for on-us check images for deposit and HELOC accounts within Fiserv software. Review can consist of signature verification, duplicate check numbers, check numbers out of range and amount out of range.

Responsible for reviewing all large dollar on-us checks, validation of each risk elements as defined in the department procedures. If validation requires assistance from the branch forwards an e-mail assistance request and follows for response.

Reviews daily report of excessive mobile deposit, researching accounts and investigates any potential fraud.

Completes a next day review of a random number of business remote deposits. Review consists of suspicious items, including potential altered checks, altered payees, duplicates, third party checks, legal and written amounts agree and any suspicious issuers.

Must work in multiple systems at once, expert at navigating tools, websites etc.

Provides prompt efficient and professional service to branches and departments.

Ability to complete assignments / tasks with attention to detail and high degree of accuracy.

Adhere to and comply with all applicable, federal, and state laws, regulations, and guidance, including those related to Anti-Money Laundering (i.e. Bank Secrecy Act, USA PATRIOT Act, etc.)

Adhere to Bank policies and procedures.

Other Responsibilities

Maintains a current understanding of Bank policies and procedures in compliance with all federal and state laws, including but not limited to Bank Secrecy Act (SARs, CIP, OFAC), Information Security (GLBA), Identity Theft Red Flags, Financial Elder Abuse Reporting, and any other applicable regulations that may be specific to your job duties.

Participates in improving and updating department procedures and processes, as necessary.

Assists in training team members when necessary.

Ability to multi-task and work in fast-paced, high-volume environment.

Ability to make decisions quickly and accurately and handle multiple tasks simultaneously

Ability to work flexible work schedule

Maintains a current understanding of Bank procedures and policies.

Perform other duties as assigned

Education, Experience and Other Skills Required

High school diploma or GED required undergraduate degree preferred.

3 + years prior banking experience and 1-year prior risk monitoring and control experience

Excel and Word experience

Detail oriented.

Excellent organizational skills to prioritize work on multiple projects.

Ability to utilize personal computers and Windows driven programs.

Company Profile

Established in 1975, Tri Counties Bank is a wholly-owned subsidiary of TriCo Bancshares (NASDAQ : TCBK) headquartered in Chico, California with corporate offices in Roseville, South San Francisco, and Bakersfield, with assets of nearly $10 billion and 50 years of financial stability.

Tri Counties Bank is dedicated to providing exceptional service for individuals and businesses throughout California with more than 75 locations, advanced mobile and online banking, and access to approximately 40,000 surcharge-free ATMs nationwide.

As California's Local Bank, Tri Counties Bank prioritizes serving clients with local bankers and local decision-making, backed by corporate philanthropy, community engagement, employee volunteerism and investments. Recognized by various publications as among the Top Workplaces and Best Banks, Tri Counties Bank recruits and retains diverse and talented team members.

Tri Counties Bank is an Affirmative Action and Equal Opportunity Employer, Race / Color / Religion / Sex / Sexual Orientation / Gender Identity / National Origin / Disability / Veteran.