Senior Card Fraud Analyst

UNIFY Financial Credit Union
Las Vegas, NV Full Time
POSTED ON 8/28/2022 CLOSED ON 10/7/2022

Job Posting for Senior Card Fraud Analyst at UNIFY Financial Credit Union

Overview:

UNIFY Financial Credit Union is one of the nation’s largest 100 credit unions with a reputation for being financially sound and growth-oriented. We’re expanding rapidly to meet the needs of a growing member base. At UNIFY, our team members work together to strive toward a common goal, “providing superior service to our members.” In doing so, we promote a culture where your ideas matter, your growth matters, and you matter. We encourage all team members to challenge and encourage themselves and their teammates to work smarter and to be more successful

Summary:

Monitors and facilitates the activities and processes in relation to card fraud activity while utilizing pertinent systems effectively. Performs a variety of duties specializing in the analysis and mitigation of card fraud activity for the credit union’s card portfolio.

Responsibilities:

  • Performs daily reviews of fraud monitoring reports and system alerts for suspicious activity. Identifies instances of account abuse and/or fraud including counterfeiting, kiting, forgery, altered checks, identify theft, and account takeover.
  • Leads complex fraud investigations and conducts root cause analyses. Provides accurate reporting of control weaknesses and/or deficiencies in the credit union’s daily operations.
  • Maintains detailed case information within the case management system for all investigations. Works on multiple investigations simultaneously, while maintaining an exceptional attention to detail, and prioritizes based on business needs and urgency.
  • Leads special investigations based on requests originating from senior management or external sources, including members, non-members, the NCUA, external auditors, and law enforcement agencies.
  • Prepares and files necessary reports following fraud investigations, including criminal complaints with local law enforcement and Suspicious Activity Reports
  • Identifies and analyzes credit/debit card fraud cases and card holder information.  Generates card fraud prevention and analysis reports to track and monitor fraud activity.
  • Uses analytic tools, such as Verafin, to identify fraudulent transactions and fraud patterns in order to mitigate fraud losses.  Investigates and analyzes the causes, methods and process of fraud activities, and recommends preventative measures.
  • Ensures up-to-date knowledge in current payment card industry development trends, fraud strategies, products and best practices.
  • Communicates with merchants and cardholders to ensure their account safety and loss prevention.
  • Creates and administers card fraud monitoring rules using Visa Risk Management Services, and comparable tools and utilities, to mitigate losses from high-risk card transactions.
  • Is considered the subject matter expert (SME) and user administrator for the Visa Risk Manager application.
  • Reviews dispute and fraud processing to ensure best practices are being applied by the Card Services team.
  • Assists with creating and updating fraud procedures to ensure latest fraud environment data is considered in daily processing.
  • Participates in user groups and trade organizations as needed, to stay abreast of global fraud trends and practices.
  • Works closely with Risk Management and Card Operations to follow up on high-risk fraud claims, unfolding fraud scenarios in order to prevent unnecessary fraud losses.
  • Serves as department liaison for other key credit union departments (i.e., Branch Operations, Contact Center, Consumer Lending) to provide fraud training, insights, and support on fighting fraud impacting the credit union.
  • Assists in developing card centric fraud detection strategies using available systems (Verafin, Symitar ATM Dialog, Falcon, etc.) to reduce and eliminate credit union losses due to fraudulent card transactions.
  • Provides training for fraud mitigation tools and utilities to Card Fraud Analysts and Card Services team as needed.
  • Available to be on-call and work after-hours, weekends, and holidays as needed to provide card fraud support for critical issues, such as merchant data breaches or card compromise situations.
  • Ensures full compliance with UNIFY Financial Credit Union Service Standards, industry regulations, and the Bank Secrecy Act.
  • Performs other duties as assigned.

Qualifications:

  • 3 years of professional experience in Project Management and Business Analysis, responsible for defining project requirements, managing project teams, project scope, timelines, communication, and effective delivery of solutions
  • Experience with project life cycle documentation: requirements documentation, runbooks, project documentation (charters, scope statements, schedules, status reporting, etc.)
  • Experience in leading cross-functional hybrid teams (remote and co-located)
  • Proficient with PM tools (ex. Monday.com, JIRA, MS Project)
  • Knowledge of and demonstrated experience in project management processes and methodologies: waterfall, agile, iterative, hybrid.
  • Experience in driving concurrent and complex projects within a matrixed organization.
  • Strong communicator – able to identify and clearly communicate the impact of project risks to budget, timeline and scope to key business stakeholders and multiple levels of leadership. Ability to lead multiple, concurrent projects.
  • Service leader mindset – ability to create effective collaboration with cross-functional teams

Preferred Experience & Skills:

 

  • Bachelor’s degree preferred
  • Requires five or more years’ experience in card services within a financial institution or equivalent combination of education and experience.
  • Experience with electronic investigations, including but not limited to, online banking and ACH transactions required
  • Excellent critical thinking and data analysis skills required
  • Requires the ability to communicate effectively, both verbally and in writing, with individuals and groups. 
  • Requires proficiency in spreadsheet and word processing software applications.
  • Must be self-motivated with the ability to adapt to changing priorities in a fast-paced environment
  • Must be able to work effectively with minimal supervision and have the ability to exercise independent judgment using integrity and high ethical standards.

 

See the UNIFY Difference!

At UNIFY, we believe that each team member is a valued contributor. Through a teamwork approach, we strive to provide a positive and rewarding workplace that helps our team succeed. UNIFY provides a work environment which promotes learning, growth, and the opportunity for team members to challenge themselves.

Competitive Compensation and Excellent Benefits Package* Includes:

Medical (PPO/HMO), Prescription, Dental (PPO/DMO), Vision, Life, and Short- and Long-Term Disability Insurance
Dependent and Medical Care - Flexible Spending Accounts
Vacation, Sick, Personal and Holiday Pay
401(K) Plan with employer match
Education reimbursement for approved programs
UNIFY banking privileges for you and your family

*All programs subject to review and change

UNIFY is proud to be a drug-free, EOE including disability/vets. For more information on UNIFY, visit us at www.unifyfcu.com

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