Financial Intelligence & Property Services Generalist I

Summary

Financial Intelligence & Property Services Generalist I will work semi-independently under the direction of the Enterprise Fraud Officer & Property Manager & Physical Security & Investigations Manager and is responsible for the ongoing review of daily responsibilities focused on new account review, large check deposit review, Zelle investigations, fraudulent activity claims from clients to include wire transfers, etc. This position requires an understanding of all aspects of large item review, returned deposit items processes and risks with comfortability in conversing with clients in high stress scenarios. Must have a strong working knowledge of our Digital products and the research tools offered through Q2, Accurint and Verafin. This position will serve as back-up to the FIU Analyst I & II and FIU Alert Analysts 1 & II on BSA/AML/Fraud system-generated alerts, reviewing all alerts and evaluating any contributing evidence taking immediate action to mitigate bank losses through account/access restrictions and case escalation. The Financial Intelligence & Property Services Generalist I will also serve as a resource for front line personnel assistance as well as a second line of defense in mitigating and preventing fraud relating to checks and other account activities. The Financial Intelligence Generalist I will conduct all referral investigations with a sense of urgency and with the intent of preventing known or potential losses, recovering losses incurred and/or refer matters to appropriate parties for immediate action and assist with all physical security-related job tasks. This role may be asked to assist in the creation of departmental procedures and provide insight into the FIU leadership when necessary.

Principal Accountabilities

• Assist the Enterprise Fraud Officer & Property Manager in the handling of property service-related matters for all bank properties and deployed equipment. This may include placing service calls, coordinating vendors, contract review, and project management duties.
• Answer FIU duty line phone calls, emails and support chats responding verbally or in writing to other forms of inquiry.
• Analyze BSA/AML/Fraud system-generated alerts.
• Investigate accounts and determine if alerts may be cleared or require further investigation.
• Restrict accounts, online access, and debit/credit cards as needed.
• Notate through addendums and warnings on client portfolios & accounts.
• Make sound, risk-based conclusions and recommendations to clear activity or conduct additional monitoring.
• Document decisions accurately in the bank’s case management system.
• Conduct investigations of criminal acts perpetrated against the bank including fraudulent checks, new account fraud, wire fraud, exploitation, misuse of position, etc.
• Investigate and validate new business and consumer relationships opened at banking centers, via Treasury Sales, and the organization’s online platform(s).
• Conduct interviews with the victims, suspects and witnesses when necessary.
• Obtain detailed written statements when necessary.
• Review of CCTV regularly to identify witnesses and potential suspects.
• Acquire case information from various web-based databases; both private and public.
• Assess probability of recovery and/or restitution.
• Attempt recovery through account offset, charge off and collection, or court ordered restitution.
• Complete investigative memorandums and case files as assigned.
• Report findings, make recommendations, and/or refer case to appropriate business units.
• Assist in filing reports with appropriate law enforcement agencies and attend court as directed by the Enterprise Fraud Officer or Legal Department.
• Work with local, state and federal law enforcement when appropriate or as directed by the Enterprise Fraud Officer or Legal Department.
• Subpoena research as assigned by the Legal Department.
• Actively participate in career development, 1:1's, department meetings and complete other specified duties related to bank compliance as may be assigned.
• Attend Fraud and BSA/AML compliance training sessions to maintain current knowledge of industry’s best practices, laws, regulations, policies, and procedures.
• Conduct all duties in compliance with applicable laws, regulations, and Bank policies and procedures.
• Contact branch associates and other business units for clarification of client activity, as needed, while maintaining client information in complete confidence.