Fraud and Risk Mitigation Analyst

At INTRUST Bank, 10 character qualities are at the foundation of all we do. They include respect, positivity, compassion, humility, and initiative. They guide our interactions with customers and each other, are why we give back to communities, and inform how we shape our goals as a company. These character qualities are our tradition, and we bring them to life each day.

Your career is important to you, which makes it important to us. At INTRUST you’ll find a welcoming, encouraging atmosphere where your talents can thrive. You will be supported in your career, you can lead no matter what your title, and you can see a path for future growth. If you’d like to find a place of work where you’re appreciated, can find balance, and have a sense of belonging, then we encourage you to apply for this role.

A modern benefits approach:  To support our employees and their families, INTRUST offers a comprehensive, market-competitive benefits package that prioritizes your total well-being.

• Competitive pay
• Generous time off
  • Employees receive three weeks of paid vacation plus 11 paid holidays each year.
  • Paid time off to volunteer in the community.
  • Paid employee and family sick leave.
  • Paid parental leave.
• 401(k) plan with 6% employer match and 100% immediately vested.
  • 3% non-elective company contribution; non-elective contribution vested after 3 years of service.
• Career growth and development resources
• Tuition reimbursement for full-time and part-time employees enrolled in any degree program.
• Banking benefits
• Medical, dental, and vision insurance

Benefits eligibility is dependent upon hire date and employment status. Ask for our benefits guide for full details.

Job Summary: Reviews, supports, and advises customers and bank personnel regarding fraud mitigation on customer accounts while analyzing the customer’s entire relationship. Examines customer deposits to determine if a hold should be placed in accordance with Reg. CC and bank guidelines. Supports fraud management of digital online banking services. Work with multiple banking systems and fraud applications. Promotes an environment of teamwork within the department and across the bank. Represents INTRUST Bank in all they do in the community and is focused on the development of new business relationships. Must maintain strict standards of confidentiality and perform duties in a manner supporting INTRUST’s Character Qualities.

Essential Functions: All expectations described in the job description’s essential functions are necessary to be successful in this role, performed with or without a reasonable accommodation.

• Review and investigate items flagged as potential fraud in our applications to minimize losses for both customers and INTRUST Bank.

• Serves as subject expert to banking center staff on items such as check negotiability, account actions, wire transactions, and other actions related to suspicious activity, including sensitive matters, and recommend appropriate course of action.

• Make informed decisions regarding mobile check deposits based on bank guidelines, evaluating each deposited item for signs of fraud or the need for a hold.

• Manage the process of placing holds on high-risk items, evaluating review requests, communicating with customers, and providing necessary documentation and follow up when needed.

• Assists internal/external customers and banking institutions, offering account exception resolutions and fraud support.

• Analyzes customer activity to mitigate risk and closes accounts when necessary. Completes account closure for other areas of the bank as requested.

• Escalates suspected fraud or suspicious activity to management or the appropriate area of the bank. Monitor reports to identify fraud trends and areas of concern, taking further action as needed.

• Processes incoming check fraud affidavits submitted by customers to recover funds.

• Monitors and validates all accounts opened via online banking, perform maintenance, and act on accounts determined to be fraudulently opened.

• Monitors and validates new external transfers set up by customers and returns for potential fraud.

Education and Experience: High school diploma or equivalent and 2+ years previous banking experience required. Fraud analysis, teller or deposit operations experience is beneficial.

Required Skills and Knowledge: Typing 30-40 wpm, 10-key by touch; Proficient in use of Microsoft Applications, i.e., Word, Excel, Outlook, Access, etc. Must be able to demonstrate critical thinking, attention to detail, be able to follow explicit instructions and exercise good judgment. Requires good oral and written communication, a