What are the responsibilities and job description for the Deposit Ops Check Fraud Team Lead - Winter Haven position at South State Bank?
The SouthState story is one of steady growth, deep community roots, and an unwavering commitment to helping our customers move forward. Since our beginnings in the 1930s to becoming a trusted financial partner across the South and beyond - we are known for combining personal relationships with forward-thinking solutions.
We are committed to helping our team members find their success while maintaining the integrity of our values: building trust, fostering lasting relationships and pursuing excellence. At SouthState, individual contributions are recognized, potential is cultivated and team members are inspired to achieve their greater purpose. Your future begins here!
Summary
The Deposit Operations Check Fraud Team Lead supports the daily operations of the Bank’s check fraud prevention and claims functions by directly leading Specialists and Analysts across the Bank’s full footprint. This role is responsible for executing established processes, managing day-to-day workflows, and ensuring timely, accurate, and risk-based decisioning within assigned functions.
The Team Lead partners closely with the Manager and Supervisor to drive operational performance, regulatory compliance, and customer experience, while providing hands-on guidance and support to the team. This position plays a key role in maintaining quality, meeting service level expectations, and escalating risk or performance concerns as appropriate. The Team Lead ensures compliance with regulatory requirements and internal policies while safeguarding customer information and supporting the financial integrity of a $65B institution.
Duties & Responsibilities
Lead Daily Operations and Team Oversight - Supervise Specialists and Analysts across alert review, deposit exceptions, mobile and ATM processing, fraud claims, liability, and recoveries. Provide real-time direction, monitor work queues, and ensure daily work is prioritized and completed accurately.
Workflow Management and SLA Execution - Manage queues, assignments, and escalations to ensure work is completed within regulatory deadlines and service level expectations. Adjust daily priorities to address volume fluctuations and maintain throughput.
Coaching, Development, and Performance Support - Provide ongoing coaching, feedback, and performance support to team members. Reinforce expectations and partner with the Supervisor on performance reviews and development planning.
Fraud Detection, Decisioning, and Risk Mitigation - Review and support fraud alert decisioning, exception handling, and claim processing. Escalate complex or high-risk scenarios to the Supervisor or appropriate risk partners.
Regulatory and Policy Adherence - Ensure team adherence to Regulation CC, UCC, Check 21, ECCHO rules, and internal policies. Reinforce compliance expectations and escalate concerns as needed.
Quality Assurance and Error Resolution - Conduct quality reviews to identify errors and trends. Address findings through coaching and follow-up to improve accuracy and consistency.
Process Execution and Feedback - Execute established processes and provide feedback on workflow efficiency and potential improvements. Identify issues and escalate opportunities for enhancement to leadership.
Training and Onboarding Support - Support onboarding and training of new hires and assist with cross-training efforts. Ensure team members are equipped to perform assigned functions effectively.
Stakeholder Support and Issue Resolution - Serve as a point of contact for branches and business partners for day-to-day support. Resolve routine issues and escalate more complex concerns as appropriate.
Procedure Adherence and Administrative Support - Ensure procedures and job aids are followed and remain accurate. Assist with documentation updates, reporting, and other operational support as directed by leadership.
It is the responsibility of this role to take ownership of all tasks and challenges that they encounter in the operation of their assigned position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Qualifications
Education Requirements
High School Diploma or equivalent.
Minimum Experience
A minimum of 5 years total in banking is required, of which 2 years must be in a field such as Criminal Justice, Fraud Prevention, Accounting, Business Admin Finance or similar. Experience with leading a team.
Licenses & Certifications
National Check Professional Certification (NCP) - Preferred or willingness to obtain within 3 years in role.
Obtain ABA Certification in Fraud Prevention within 1 year in role.
Obtain ABA Supervisor/Team Leader Certificate within 2 years in role.
Knowledge, Skills, & Abilities
Strong leadership and coaching skills with the ability to develop team members and emerging leaders.
Ability to lead with confidence and exercise sound judgment, making timely, risk-based decisions in complex or high-risk situations.
Demonstrated understanding of first line risk responsibilities, issue identification, and appropriate escalation.
Self-motivated with the ability to operate independently and lead the team in the absence of direct management.
Ability to perform effectively in a fast-paced, risk-focused environment while managing competing priorities and meeting regulatory and operational deadlines.
Strong analytical, investigative, and risk assessment skills with a high level of attention to detail.
Demonstrated ability to research, analyze data, identify trends, and use insights to inform decisions and recommend improvements.
Operational discipline with a focus on quality, accuracy, and adherence to service level expectations.
Ability to remain composed and make effective decisions under pressure.
Strong collaboration skills with the ability to work effectively across teams, business lines, and external partners.
Proficiency in navigating multiple systems, applications, and technology platforms.
Strong computer skills, including proficiency in Microsoft Excel (formulas, filtering, basic data analysis), Word, PowerPoint, and SharePoint, with the ability to quickly learn and utilize new systems and tools.
Excellent written and verbal communication skills, with strong organization, problem-solving, and time management abilities.
Ability to adapt quickly to changing processes, systems, and fraud trends while maintaining performance and accuracy.
Strong sense of ownership and accountability for team performance, risk outcomes, and operational results.
Working knowledge of check processing and regulatory requirements, including UCC, Check 21, and Regulation CC.
Physical Demands and Work Environment
Physical Demands
Ability to communicate in person, on the phone, and through electronic channels
Ability to use a computer on a frequent basis, including typing and sustained attention to a monitor
Ability to sit, walk, and/or stand for extended periods of time
Ability to bend and reach
Work Environment
Office: This position reports to a physical Company location, and the setting will be a typical office environment.
Remote or hybrid: For remote or hybrid positions, a secure and distraction-free setting is required, with a reliable internet connection (cable or fiber preferred, mobile hotspots not acceptable). Hybrid positions will report to a physical Company location, as directed by the manager, and that setting will be a typical office environment.
Work Location: 1951 8th St NW Winter Haven, Florida 33881
Equal Opportunity Employer, including disabled/veterans.
We are committed to helping our team members find their success while maintaining the integrity of our values: building trust, fostering lasting relationships and pursuing excellence. At SouthState, individual contributions are recognized, potential is cultivated and team members are inspired to achieve their greater purpose. Your future begins here!
Summary
The Deposit Operations Check Fraud Team Lead supports the daily operations of the Bank’s check fraud prevention and claims functions by directly leading Specialists and Analysts across the Bank’s full footprint. This role is responsible for executing established processes, managing day-to-day workflows, and ensuring timely, accurate, and risk-based decisioning within assigned functions.
The Team Lead partners closely with the Manager and Supervisor to drive operational performance, regulatory compliance, and customer experience, while providing hands-on guidance and support to the team. This position plays a key role in maintaining quality, meeting service level expectations, and escalating risk or performance concerns as appropriate. The Team Lead ensures compliance with regulatory requirements and internal policies while safeguarding customer information and supporting the financial integrity of a $65B institution.
Duties & Responsibilities
Lead Daily Operations and Team Oversight - Supervise Specialists and Analysts across alert review, deposit exceptions, mobile and ATM processing, fraud claims, liability, and recoveries. Provide real-time direction, monitor work queues, and ensure daily work is prioritized and completed accurately.
Workflow Management and SLA Execution - Manage queues, assignments, and escalations to ensure work is completed within regulatory deadlines and service level expectations. Adjust daily priorities to address volume fluctuations and maintain throughput.
Coaching, Development, and Performance Support - Provide ongoing coaching, feedback, and performance support to team members. Reinforce expectations and partner with the Supervisor on performance reviews and development planning.
Fraud Detection, Decisioning, and Risk Mitigation - Review and support fraud alert decisioning, exception handling, and claim processing. Escalate complex or high-risk scenarios to the Supervisor or appropriate risk partners.
Regulatory and Policy Adherence - Ensure team adherence to Regulation CC, UCC, Check 21, ECCHO rules, and internal policies. Reinforce compliance expectations and escalate concerns as needed.
Quality Assurance and Error Resolution - Conduct quality reviews to identify errors and trends. Address findings through coaching and follow-up to improve accuracy and consistency.
Process Execution and Feedback - Execute established processes and provide feedback on workflow efficiency and potential improvements. Identify issues and escalate opportunities for enhancement to leadership.
Training and Onboarding Support - Support onboarding and training of new hires and assist with cross-training efforts. Ensure team members are equipped to perform assigned functions effectively.
Stakeholder Support and Issue Resolution - Serve as a point of contact for branches and business partners for day-to-day support. Resolve routine issues and escalate more complex concerns as appropriate.
Procedure Adherence and Administrative Support - Ensure procedures and job aids are followed and remain accurate. Assist with documentation updates, reporting, and other operational support as directed by leadership.
It is the responsibility of this role to take ownership of all tasks and challenges that they encounter in the operation of their assigned position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Qualifications
Education Requirements
High School Diploma or equivalent.
Minimum Experience
A minimum of 5 years total in banking is required, of which 2 years must be in a field such as Criminal Justice, Fraud Prevention, Accounting, Business Admin Finance or similar. Experience with leading a team.
Licenses & Certifications
National Check Professional Certification (NCP) - Preferred or willingness to obtain within 3 years in role.
Obtain ABA Certification in Fraud Prevention within 1 year in role.
Obtain ABA Supervisor/Team Leader Certificate within 2 years in role.
Knowledge, Skills, & Abilities
Strong leadership and coaching skills with the ability to develop team members and emerging leaders.
Ability to lead with confidence and exercise sound judgment, making timely, risk-based decisions in complex or high-risk situations.
Demonstrated understanding of first line risk responsibilities, issue identification, and appropriate escalation.
Self-motivated with the ability to operate independently and lead the team in the absence of direct management.
Ability to perform effectively in a fast-paced, risk-focused environment while managing competing priorities and meeting regulatory and operational deadlines.
Strong analytical, investigative, and risk assessment skills with a high level of attention to detail.
Demonstrated ability to research, analyze data, identify trends, and use insights to inform decisions and recommend improvements.
Operational discipline with a focus on quality, accuracy, and adherence to service level expectations.
Ability to remain composed and make effective decisions under pressure.
Strong collaboration skills with the ability to work effectively across teams, business lines, and external partners.
Proficiency in navigating multiple systems, applications, and technology platforms.
Strong computer skills, including proficiency in Microsoft Excel (formulas, filtering, basic data analysis), Word, PowerPoint, and SharePoint, with the ability to quickly learn and utilize new systems and tools.
Excellent written and verbal communication skills, with strong organization, problem-solving, and time management abilities.
Ability to adapt quickly to changing processes, systems, and fraud trends while maintaining performance and accuracy.
Strong sense of ownership and accountability for team performance, risk outcomes, and operational results.
Working knowledge of check processing and regulatory requirements, including UCC, Check 21, and Regulation CC.
Physical Demands and Work Environment
Physical Demands
Ability to communicate in person, on the phone, and through electronic channels
Ability to use a computer on a frequent basis, including typing and sustained attention to a monitor
Ability to sit, walk, and/or stand for extended periods of time
Ability to bend and reach
Work Environment
Office: This position reports to a physical Company location, and the setting will be a typical office environment.
Remote or hybrid: For remote or hybrid positions, a secure and distraction-free setting is required, with a reliable internet connection (cable or fiber preferred, mobile hotspots not acceptable). Hybrid positions will report to a physical Company location, as directed by the manager, and that setting will be a typical office environment.
Work Location: 1951 8th St NW Winter Haven, Florida 33881
Equal Opportunity Employer, including disabled/veterans.