Truist Financial Crimes Detection Specialist II - (2nd Shift - 3pm to 12am) in Charlotte, North Carolina
Req ID: R0030317
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Regular or Temporary: Regular Language Fluency: English (Required) Work Shift: 2nd Shift - 10% Automatic Pay Differential (United States of America)
Please review the following job description:
Perform key fraud identification, detection, research and loss mitigation actions on multiple delivery channels and products to protect bank clients and assets from fraud. Ensure a regulatory compliant response to fraud and loss issues and enforce the corporation’s legal rights under the account holder’s agreement, Uniform Commercial Code (UCC), National Automated Clearing House Association (NACHA), Visa and other applicable industry operating rules and guidelines. Utilize specialized fraud detection systems, reports and online screens to analyze client behavior, deposit accounts, checks and transaction history in order to identify and interdict fraudulent banking activity. Actions directly impact bank fraud and operating loss performance, client experience, regulatory compliance, as well as the attendant compliance, reputational and operational risk. Handle cases within level of expertise with moderate to high-level loss exposure, requiring judgment and decision making.
2nd Shift - 3:00 pm to 12:00 am
Monday thru Friday Essential Duties and Responsibilities: Following is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time. 1. Utilize fraud risk detection systems and internal bank systems to review suspect items and warning reports on a daily basis. Interpret reason codes and follow specified procedures on how to handle suspect activity. 2. Gain and maintain strong working knowledge of three to four internal fraud monitoring and detection systems. 3. Gain and maintain effective knowledge and understanding to ensure processes comply with regulations (e.g. Regulation E, Visa Operating Rules, UCC, Federal Credit Reform Act (FCRA), Regulation J, Regulation CC, NACHA, Bank Secrecy Act/Anti-Money Laundering/Patriot Act (BSA/AML), Telephone Consumer Protection Act (TCPA), Office of Foreign Assets Control (OFAC) and Identity (ID) Theft red flags). 4. Make decisions that impact processes and clients with financial, compliance and legal implications (e.g. pay/no pay, block/hold an account and transaction or access based on analysis of research conducted). 5. May refer cases for special attention to BSA/AML, Corporate Investigations, Legal or other area where warranted. 6. Communicate and interact with external clients, Community Bank, various lines of business, and other financial institutions to verify authenticity of items or availability of funds. Educate clients about fraud issues including online banking safety and take appropriate action to protect clients’ accounts. 7. Prepare documentation to return items, stop bill payments, close accounts/block cards, hold funds, block online access and complete client/branch notification forms and Suspicious Incident Reports (SIR). If applicable, prepare consumer claim documents on all on-us fraud transactions including fees and interest. 8. Perform in-depth research utilizing internal and external sources. Prepare financial spreadsheets or enter data into a database or system in order to capture and monitor loss information for further analysis. 9. Establish and maintain files and records while maintaining client confidentiality. 10. Provide input on obvious fraud trends or process improvements. 11. Perform the following functions based on the assigned area within the department: a. Review and conduct advanced research on checks processed for endorsements, kiting, forgeries and counterfeit; b. Review and conduct advanced research for electronic transactions and activity to detect victim and perpetrator fraud; c. Review patterns and practices for indicators of possible identity theft; d. Place holds or stop payments on suspicious and fraudulent transactions or checks; e. Block or close client accounts and access based on risk and fraudulent exposure. Required Skills and Competencies: The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. 1. High School diploma or equivalent 2. One year of banking experience or equivalent job experience and training 3. Moderate regulatory knowledge (e.g. Regulation E, Visa Operating Rules, UCC, FCRA, Regulation J, Regulation CC, NACHA, BSA/AML/Patriot Act, TCPA, OFAC and ID Theft red flags) 4. Ability to work independently with minimum supervision in a detailed and deadline-oriented environment 5. Excellent verbal and written communication skills 6. Ability to efficiently communicate and interact with clients with limited use of documented scripting based on client responses 7. Ability and willingness to work flexible hours, including evenings, weekends and overtime as required 8. Demonstrated proficiency in basic computer applications, such as Microsoft Office software products 9. Ability to travel, occasionally overnight. Desired Skills: 1. Associate’s degree 2. One year of fraud experience 3. System knowledge of at least one fraud detection system (e.g. Early Warning Systems, Falcon Card Fraud Detection System, Actimize Fraud Systems, 41st Parameter, ASI 16 and ASI 19)
Truist supports a diverse workforce and is an Equal Opportunity Employer who does not discriminate against individuals on the basis of race, gender, color, religion, national origin, age, sexual orientation, gender identity, disability, veteran status or other classification protected by law. Drug Free Workplace. Thank you for your interest in Truist! BB&T and SunTrust have come together in a transformational merger of equals to create Truist, the premier financial organization in the country. You may notice references to our legacy company names, BB&T and SunTrust, in places throughout this site. All such references should be understood to refer to Truist moving forward while we continue to transition to the Truist name. EEO is the Law Pay Transparency Nondiscrimination Provision E-Verify
Thank you for your interest in Truist! BB&T and SunTrust have come together in a transformational merger of equals to create Truist, the premier financial organization in the country. You may notice references to our legacy company names, BB&T and SunTrust, in places throughout this site. All such references should be understood to refer to Truist moving forward while we continue to transition to the Truist name.
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