Loss Prevention Analyst

Tri Counties Bank Chico , CA 95927

Posted 3 months ago

Position Title: Loss Prevention Analyst

Department: Deposit Operations

Grade: 11

Position Summary:
The Loss Prevention Analyst is primarily responsible for the daily transactional review for alerts generated from the Guardian Analytics Fraud Map and Fraud Map Wire monitoring system, ATM/Debit card risk monitoring, Verafin Fraud alert system and review alerts from Chex System.

The Loss Prevention Analyst is primarily responsible for the detection, prevention, investigation, mitigation, and tracking of fraud on consumer and business deposit accounts, including online banking fraud, identity theft, kiting, account takeover, deposit fraud, suspected financial elder abuse, forged and altered check fraud claims and debit card fraud trends.

Major Responsibilities:

  • Carries out the task of investigating various types of frauds on Deposit Accounts, Business Accounts, Financial Fraud, Mortgage Fraud etc. Contact other personnel within and outside the Bank which includes Law Enforcement.

  • Investigate suspected Dependent Adult/Elder Financial Abuse and file SOC343 reports to appropriate Adult Protection Services agencies within the time frame mandated by Regulation.

  • Required to maintain an elaborated record and documentation of fraud events.

  • Assist with the interpretation and implementation of the Bank's Identity Theft Red Flags program and procedures.

  • Investigate and process forged check claims.

  • Prepare Indemnification Agreement and contact other Financial Institutions to mitigate forged check losses.

  • Work with Legal Department on large or unusual fraud loss cases.

  • Review risky wire requests on outgoing Consumer and Business Online Banking wires flagged by Guardian Analytics on a daily basis.

  • Investigate unusual online banking activity alerts generated by Guardian Analytics on consumer and business account.

  • Review and decision Chex Systems and Fraud Finder alerts within FIS/E-Funds, assess risk and determine if account should be flagged and recommendation made to exercise Bank's Right to Close on a daily basis..

  • Review, Research and disposition Verafin deposit fraud, wire fraud, ACH fraud and FRAML X Risky persons. on a daily basis

  • Review and work 360 incidents for Identity Theft, and Compromised Information on a daily basis. Validate that account is true Identity Theft case and all required documentation is sent to the customer.

  • Review and take potential action on Chargeback notifications provided from various departments or branches on a daily basis

  • Review and take action on suspected mobile deposit fraud and ATM Deposit fraud notifications received from Deposit Operations Department on a daily basis.

  • Process all incoming Photo/Video Requests

  • Investigation suspected financial elder abuse, if appropriate file written report with the APS for individual counties.

  • Daily review Rejected Items Report for potential counterfeit items deposited.

  • Review NSF and Chargeback activity on new accounts and take action which can include flagging accounts and recommendation closure.

  • Review Rejected Items Report daily for any potential counterfeit items deposited

  • Review and research Identity Theft Codes placed on accounts are appropriate

  • Review BTE file reports for anomalies on a daily basis

  • Process Charge off requests and track debits and credits to various loss general ledgers.

  • Perform Positive Pay follow up on compromised business accounts.

  • Investigation debit card fraud trends and work with and Fiserv Debit Card Fraud Analyst to implement rules to reduce debit card fraud losses. This may include contacting weights and measures staff members in various counties and merchants where suspected skimming device was placed.

  • Complete monthly open and closed cases and provide trending information

  • Adhere to and comply with all applicable, federal and state laws, regulations and guidance, including those related to Anti-Money Laundering (i.e. Bank Secrecy Act, USA PATRIOT Act, etc.)

  • Adhere to Bank policies and procedures

  • Complete required quarterly/annual compliance training

  • Identify and report potential suspicious activity to the BSA/AML Officer.. Participate in the Peer Fraud Group

  • Perform various internal department daily, weekly and monthly audits.

  • Assist in the department Operations risk and control identification process.

Other Responsibilities:

  • Maintains current understanding of Bank policies and procedures in compliance with all state and federal laws, including but not limited to Bank Secrecy Act (SAR, OFAC), FCRA/Identity Theft Red Flags, Information Security Guidelines (GLBA, Privacy), and Unfair, Deceptive or Abusive Acts or Practices (UDAAP).

  • Participates in improving and updating department Loss Prevention procedures and processes as necessary.

  • Ability to multi-task and work in fast-paced, high volume environment.

  • Ability to make decisions quickly and accurately and handle multiple tasks simultaneously

  • Ability to work flexible work schedule

  • Maintains a current understanding of Bank procedures and policies.

  • Works on special projects as needed.

  • Perform other duties as assigned.

Education, Experience, And Other Skills Required:

  • High school diploma or GED required, undergraduate degree preferred.

  • Three years prior loss/fraud prevention experience.

  • Excellent Excel and Power Point experience

  • Ability to effectively communicate and interact with all customers and internal and external contacts.

  • Excellent verbal and written communication skills.

  • Detail oriented.

  • Excellent organizational skills to prioritize work on multiple projects.

  • Ability to utilize personal computers and Windows driven programs as well as some desktop publishing experience.

Company Profile

Established in 1975, Tri Counties Bank is a wholly-owned subsidiary of TriCo Bancshares (NASDAQ:TCBK) headquartered in Chico, California, providing a unique brand of customer Service with Solutions available in traditional stand-alone and in-store bank branches in communities throughout Northern and Central California.

The Bank provides an extensive and competitive breadth of consumer, small business and commercial banking financial services, along with convenient around-the-clock ATM, online and mobile banking access.

Tri Counties Bank has remained strong and profitable through a top-down commitment to its core values, sound business principles and responsible lending practices.

Our success is also based on our involvement in the communities we serve. The personal touch comes naturally to Tri Counties Bankers. You may recognize us at business, school and non-profit events, baseball games and local eateries, skiing in the mountains, boating on the lakes, and fishing the local streams or attending an event in The City or on the peninsula.

#CB


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Loss Prevention Analyst

Tri Counties Bank