Heartland Financial USA, Inc. is a growing dynamic organization with many locations offering uniquely different banking and financial solutions for businesses and personal clients. As a performance driven company, we strive to create a culture of excellence with high standards, and high values while providing outstanding growth and involvement opportunities for employees. Join a team that makes "Great Things Happen!"
The Card Fraud Analyst II independently reviews and investigates financial crimes at Heartland and its member banks, including debit card fraud, credit card fraud and other suspicious activity. This position will use various monitoring systems and reports to identify unusual customer card transaction patterns that may be indicative of fraud or otherwise suspicious activity. The Card Fraud Analyst II will refer suspicious activity to a Fraud Investigator for further review and may conduct independent investigations related to credit card or debit card fraud. In addition, this position may assist in documentation of Suspicious Activity Reports (SARs) prior to submission. The Card Fraud Analyst II also contributes to the strategy and policies employed by the department.
Conducts analysis of confirmed card fraud data, interprets and explains loss results, and provides insights to meet the business goals.
Responsible for the development and optimization of anti-fraud strategies that balance the customer experience with prevented fraud losses.
Suggests and tests fraud prevention strategies to minimize card fraud losses.
Monitors fraud prevention and detection software for alerts related to credit card fraud, debit card fraud, and other suspicious activity.
Engages with organizational partners to identify operational efficiencies through the fraud chargeback process, maximizing recovery for the bank.
Reviews reports to identify card points of compromise.
Refers potentially suspicious activity to Fraud Investigators for further review.
Provides advice and training to less experienced Fraud Analysts.
Acts as a back-up to the Fraud Investigators for case and SAR investigations and filings.
Maintains a high level of confidentiality when compiling investigative information and escalating issues.
Maintains compliance with applicable rules and regulations credit card and debit card fraud and other company policies and procedures.
Attends external fraud training as needed.
Completes annual E-Learning Plan and Bank Secrecy Act (BSA) training as assigned and keeps up-to-date knowledge of BSA as it relates to the job function.
Bachelor's Degree Accounting, Business Administration/Management, Criminal Science required
Master's Degree Accounting, Business Administration/Management, Criminal Science preferred
3-5 years of banking experience
3-5 years of experience in credit card fraud prevention, debit card fraud prevention, fraud investigations, card fraud chargeback recovery, or related activity
Experience with SAR requirements preferred
Experience with BSA/AML systems preferred
Ability to maintain the highest level of confidentiality
Ability to work remotely with supervision high level of independence
Strong analytical skills and judgement
Strong organization skills
Proficiency using Microsoft Office
Anti-Money Laundering Professional
AMLP - Bank Administration Institute
Scheduled Weekly Hours:
Heartland Financial Usa, Inc.