Financial Crimes Analyst Temporary Associate

Capital City Bank - More than your bank, your banker.

General Summary

This Temporary position is part of the Transactional Risk & Fraud Prevention team which supports the Bank’s retail deposit operations by mitigating associated risks. The primary responsibility for monitoring financial transactions, identifying suspicious activities, and helping mitigate fraud risk to protect both the bank and its clients. Additional clerical duties are assigned as needed to meet current and upcoming department priorities. This position requires a detail-oriented, analytical, highly attentive, individual who demonstrates initiative and thrives in a fast-past, computer focused environment.

All associates at Capital City Bank, Capital City Wealth, and Capital City Home Loans have access to confidential client information and must practice discretion at all times.

Principal Duties and Responsibilities

• Review and monitor daily financial transactions for potential fraud or suspicious activity
• Investigate flagged transactions using internal systems and external data sources
• Escalate high-risk cases in accordance with internal policies and regulatory requirements

• Document findings clearly and maintain accurate case records
• Assist in identifying trends, patterns, and emerging fraud risks
• Collaborate with internal teams (compliance, operations, retail associates) to resolve cases
• Support process improvements to enhance fraud detection and prevention efforts
• Ensure adherence to bank policies, procedures, and regulatory guidelines
• Additional clerical duties as outlined by department manager

Employer determines the essential functions of the job.

All associates must understand and adhere to the non-negotiable Banker Standards and commit to practicing SGNNT (smile, greet, name, name, thank you) at all times. Associates will consistently follow policies and procedures established by Capital City Bank, Capital City Wealth, and Capital City Home Loans, with department managers setting the standard.

Knowledge, Skills and Abilities (KSAs) Preferred

The following KSAs are usually acquired through work experience and/or specialized course(s):

• Bachelor’s degree in finance, Business, Criminal Justice, or a related field (or equivalent experience)
• Experience in banking, fraud analysis, risk management, or a related area preferred
• Strong analytical and problem-solving skills
• High attention to detail and ability to spot anomalies
• Self-motivated, ability to perform assignments independently and meet strict deadlines
• Proficiency in Microsoft Office
• Ability to handle sensitive information with confidentiality
• Strong written and verbal communication skills
• Familiarity with fraud detection systems and case management tools
• Understanding of regulations:
• • Regulation E, Electronic Funds Transfers
  • Regulation CC, Availability of Funds and Collection of Checks
  • Fair and Accurate Credit Transactions Act, “FACTA”
• Understanding of electronic payment processes
• Understanding of electronic check clearing and collection

Working Conditions

• Attendance at periodic in person meetings may be required.
• Secured entry building and department.
• Cubicle environment.
• Fast paced with unpredictable and last-minute changes to priorities.
• With advance notice, additional extended hours, including occasional weekends, may be required as dictated by work volumes and/or staffing.
• In the rare instance of a major or extensive natural disaster, epidemic or pandemic occurrence, or other disruption within CCB footprint, it may be necessary for associates to relocate or telecommute before, during or after, a disruption event to ensure business continuity.
• Positions approved for Hybrid Flex/Remote Work are determined by department manager and HR. All associates approved to participate in a Flex/Remote work schedule will review and acknowledge the guidelines outlined in the Hybrid Flex/Remote Work Policy. (remove if not applicable to certain positions)

EOE/Protected Veterans/Disabled/Drug Free

The above declarations are not intended to be an “all-inclusive” list of the duties and responsibilities of the job described nor are they intended to be such a listing of the skills and abilities required to do the job. Rather, they are intended only to describe the general nature of the job.

THIS JOB DESCRIPTION DOES NOT CONSTITUTE AN EMPLOYMENT AGREEMENT. This job description does not restrict Capital City Bank, Capital City Wealth, and Capital City Home Loans from the ability to assign, reassign or eliminate duties and responsibilities of this job at any time. This job description describes the current assignment of essential functions. These functions may change at any time as the needs of the Bank or department change or for other reasons deemed appropriate.