What are the responsibilities and job description for the Senior BSA & Fraud Analyst position at Guardian Credit Union?
JOB REQUIREMENTS: Essential Functions: 1. Completes required
daily/monthly reports. Performs daily processing of NSF and QRC
activities. Evaluates activity for the early detection and prevention of
fraud. Monitor new account activity and take action to close or freeze
activity when warranted. 2. Files claims for plastic card fraud with
current Bond carrier. 3. Collecting and maintaining records for all
Subpoena requests with the assistance of the BSA and Fraud Manager. 4.
Utilizes fraud detection and Bank Secrecy Act (BSA) software to monitor,
identify, and investigate suspicious transactions and activities. Review
system-generated alerts, analyze account behavior, and escalate
potential risks in accordance with regulatory requirements. 5.
Investigates and properly documents possible fraud and suspected
criminal misconduct both internally and externally, including kiting and
forgery. Reports all criminal misconduct to management. 6. Researches
and resolves member, internally and external, inquiries in a timely and
accurate manner. 7. Completes and maintains all UAR, CTR and SAR
records, including CTR exemptions and renewals. 8. With the assistance
of the BSA and Fraud Manager, performs annual BSA/AML/OFAC risk
assessments and reviews. 9. Monitors and makes adjustments to the risk
rating levels, making adjustments when needed based on member behaviors
on a continuous basis. 10. Servicing internally and externally member
service requests from ATM/Debit card services including ATM/debit cards
from card blocking rules, compromised card alerts, and processing and
investigating debit disputes. 11. Contacts members with negative shares
by telephone and mail. Determine the reason for negative balance and
take appropriate action to bring positive and keep positive. 12.
Prepares correspondence on negative share accounts requiring special
handling and make recommendations on those accounts that acceptable
arrangements cannot be made. 13. Uploads monthly Stark file, including
processing all received payments and account updates. 14. Monitors and
make decisions on ChexSystems Sentry alerts. 15. Provides on-going
compliance training and technical assistance to help branches meet their
individual objectives. Assists in conducting and training sessions for
staff meetings. Keeps all staff informed regarding crime alerts,
possible scams and potential losses. 16. Works as a liaison with law
enforcement agencies in conducting fraud investigations to file police
reports on half of the Credit Union. Secondary Functions: 1. Serves as a
back-up to department personnel. 2. Cross sells credit union services
when appropriate. 3. Provides friendly, professional, personal service
to all members and credit union personnel. 4. Performs other
departmental duties as assigned. Equal Opportunity Employer/Protected
Veterans/Individuals with Disabilities \*\*\*\*\* OTHER EXPERIENCE AND
QUALIFICATIONS: SKILLS: 1. Ability to verify work, handle escalated
calls, and assist staff when needed. 2. Ability to detailed, analytical
work. Must be able to record data, maintain reports and information with
a high level of accuracy and organization. 3. Ability to effectively
apply knowledge of interviewing skills and techniques when dealing with
membership. 4. Must have knowledge of Fraud procedures and policies,
legal regulations relating to fraud efforts, and credit union philosophy
or ability to interpret and explain Credit Union policy and transactions
posted to member\'s accounts and adhere to policy. 5. Demonstrates the
ability to identify problems and their underlying cause. Evaluates
information and/or data to ascertain potential problems or
irregularities requiring further investigation. 6. Strong communication
skills. 7. Must have a professional, business-like manner and
appearance. 8. Must have abilities to maintain confidentiality, must be
bondable. 9. Must have ability to work independently and meet deadlin s.
employee regularly works in an office setting. PHYSICAL DEMANDS: The
ideal candidate must be able to complete all physical requirements of
the job with or without a reasonable accommodation. 1. Ability to remain
in a stationary position 75% of the time. 2. Ability to move about
inside the office to access file cabinets, office equipment, etc. 3.
Ability to move items, such as boxes, up to 20 lbs. across office for
various needs. 4. The ability to communicate information and ideas so
others will understand. Must be able to exchange accurate information in
these situations. 5. Ability to constantly operate a computer and other
office \*\*\*\*\* APPLICATION INSTRUCTIONS: Apply Online:
www.guardiancu.org/about-us/careers/
daily/monthly reports. Performs daily processing of NSF and QRC
activities. Evaluates activity for the early detection and prevention of
fraud. Monitor new account activity and take action to close or freeze
activity when warranted. 2. Files claims for plastic card fraud with
current Bond carrier. 3. Collecting and maintaining records for all
Subpoena requests with the assistance of the BSA and Fraud Manager. 4.
Utilizes fraud detection and Bank Secrecy Act (BSA) software to monitor,
identify, and investigate suspicious transactions and activities. Review
system-generated alerts, analyze account behavior, and escalate
potential risks in accordance with regulatory requirements. 5.
Investigates and properly documents possible fraud and suspected
criminal misconduct both internally and externally, including kiting and
forgery. Reports all criminal misconduct to management. 6. Researches
and resolves member, internally and external, inquiries in a timely and
accurate manner. 7. Completes and maintains all UAR, CTR and SAR
records, including CTR exemptions and renewals. 8. With the assistance
of the BSA and Fraud Manager, performs annual BSA/AML/OFAC risk
assessments and reviews. 9. Monitors and makes adjustments to the risk
rating levels, making adjustments when needed based on member behaviors
on a continuous basis. 10. Servicing internally and externally member
service requests from ATM/Debit card services including ATM/debit cards
from card blocking rules, compromised card alerts, and processing and
investigating debit disputes. 11. Contacts members with negative shares
by telephone and mail. Determine the reason for negative balance and
take appropriate action to bring positive and keep positive. 12.
Prepares correspondence on negative share accounts requiring special
handling and make recommendations on those accounts that acceptable
arrangements cannot be made. 13. Uploads monthly Stark file, including
processing all received payments and account updates. 14. Monitors and
make decisions on ChexSystems Sentry alerts. 15. Provides on-going
compliance training and technical assistance to help branches meet their
individual objectives. Assists in conducting and training sessions for
staff meetings. Keeps all staff informed regarding crime alerts,
possible scams and potential losses. 16. Works as a liaison with law
enforcement agencies in conducting fraud investigations to file police
reports on half of the Credit Union. Secondary Functions: 1. Serves as a
back-up to department personnel. 2. Cross sells credit union services
when appropriate. 3. Provides friendly, professional, personal service
to all members and credit union personnel. 4. Performs other
departmental duties as assigned. Equal Opportunity Employer/Protected
Veterans/Individuals with Disabilities \*\*\*\*\* OTHER EXPERIENCE AND
QUALIFICATIONS: SKILLS: 1. Ability to verify work, handle escalated
calls, and assist staff when needed. 2. Ability to detailed, analytical
work. Must be able to record data, maintain reports and information with
a high level of accuracy and organization. 3. Ability to effectively
apply knowledge of interviewing skills and techniques when dealing with
membership. 4. Must have knowledge of Fraud procedures and policies,
legal regulations relating to fraud efforts, and credit union philosophy
or ability to interpret and explain Credit Union policy and transactions
posted to member\'s accounts and adhere to policy. 5. Demonstrates the
ability to identify problems and their underlying cause. Evaluates
information and/or data to ascertain potential problems or
irregularities requiring further investigation. 6. Strong communication
skills. 7. Must have a professional, business-like manner and
appearance. 8. Must have abilities to maintain confidentiality, must be
bondable. 9. Must have ability to work independently and meet deadlin s.
- Ability to work in a fast-paced work environment. 11. Must be
employee regularly works in an office setting. PHYSICAL DEMANDS: The
ideal candidate must be able to complete all physical requirements of
the job with or without a reasonable accommodation. 1. Ability to remain
in a stationary position 75% of the time. 2. Ability to move about
inside the office to access file cabinets, office equipment, etc. 3.
Ability to move items, such as boxes, up to 20 lbs. across office for
various needs. 4. The ability to communicate information and ideas so
others will understand. Must be able to exchange accurate information in
these situations. 5. Ability to constantly operate a computer and other
office \*\*\*\*\* APPLICATION INSTRUCTIONS: Apply Online:
www.guardiancu.org/about-us/careers/