Fraud Analyst I

Your Career. Your Story. Let's Write the Next Chapter Together. At Origin Bank, a job isn't just a paycheck - it's a meaningful journey. We're committed to helping you grow both professionally and personally in an environment where people come first. We offer a competitive total rewards package, including generous benefits and compensation tailored to your skills, experience, and education. What truly sets us apart is our people-first culture. Here, you'll be supported by unique initiatives like our Dream Manager program, one-on-one guidance from a nationally certified health and wellness coach, and free access to certified financial professionals who are here to help you plan for your future. If you're looking for a career that empowers you to make meaningful connections, positively impact others, and pursue your personal and professional dreams-we'd love to meet you. Apply today and start the most rewarding chapter of your career with us. Job Description A Fraud Analyst I is responsible for the day-to-day monitoring of account activity to prevent, deter, detect and investigate acts of fraud committed against the bank and its customers. Word Essential Duties and Responsibilities include the following. Process a high volume of fraud alerts daily and weekly using the banks fraud detection software. Including but not limited to alerts for check fraud, deposit fraud, ACH fraud, wire fraud, elder abuse fraud, kiting and unusual activity. Investigates possible fraudulent activity that has been detected through the fraud detection software, the bank’s core system, and business units of the bank. Opens fraud cases with the appropriate information in Verafin once fraud has been discovered. Appropriately responds in a timely manner to a high volume of emails and phone calls received from bank employees and others needing assistance. Process signature validation alerts daily. Reviews and investigates all debit card reorders with a recent address change. Review and process mobile deposits daily to detect and prevent fraud while also ensuring endorsement requirements are met. Completes necessary steps when mobile deposit fraud is detected by restricting accounts and online banking access, placing holds, creating fraud alerts in the fraud monitoring system, and notifying account officers. Completes necessary steps when mobile deposit fraud is detected by restricting accounts and online banking access, placing holds, creating fraud alerts in the fraud monitoring system, and notifying account officers. Completes necessary steps when mobile deposit fraud is detected by restricting accounts and online banking access, placing holds, creating fraud alerts in the fraud monitoring system, and notifying account officers. Reviews the external transfer relationship report, and emails account officers to have them verify the new relationships with the customer. Investigates and takes necessary steps to recover funds when a fraud loss occurs. Request updates on outstanding bank to bank claims on a regular basis. Retrieves and reviews surveillance footage regarding fraud related matters. Reviews ATM deposits for possible fraud and takes necessary steps if fraud occurs. Reviews cases involving potential abuse of vulnerable adults. Reports cases to Adult Protective Services or Elder Protective Services as needed. Reviews emails from FIS Risk Management regarding potential fraudulent Zelle or Bill Pay items. Requests bankers to verify questionable transactions with the customer as needed. Works incoming and outgoing Zelle disputes within the FIS Customer Service Tool (CST). Reviews hourly deposit report to ensure proper holds were placed on high-risk items. Assist with select debit card dispute duties if needed Supervisory Responsibilities This job has no supervisory responsibilities. Competencies - To perform the job successfully, an individual should demonstrate the following competencies: Analytical and Design – Collects and researches data; Demonstrates attention to detail. Problem Solving - Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Develops alternative solutions. Interpersonal Skills/Customer Service - Maintains confidentiality; manages difficult or emotional customer situations; Responds promptly to customer needs; Meets commitments. Oral and Written Communication - Responds well to questions; Writes clearly and informatively; Able to read and interpret written information. Teamwork - Balances team and individual responsibilities; Contributes to building a positive team spirit; Able to build morale and group commitments to goals and objectives; Supports everyone's efforts to succeed. Organizational Support - Follows policies and procedures; Completes administrative tasks correctly and on time; Supports organization's goals and values; Supports affirmative action and respects diversity. Judgment and Motivation - Displays willingness to make decisions; Exhibits sound and accura