Senior Payments Fraud Analyst

Exact compensation may vary based on skills, experience and/or education, and location. This position is also eligible for an annual bonus.

SUMMARY

The Senior Payments Fraud Analyst utilizes sound judgment to review and disposition possible fraud alerts, including ACH fraud, wire fraud, online account takeover, identity theft, spoofing, check fraud, and other suspicious activity. The incumbent is responsible for the timely investigative review, creation, and thorough documentation of fraud cases, collaborating with other departments to ensure proper escalation and resolution. This role also handles alerts that may be more complex in nature, requiring advanced analytical skills and a deep understanding of fraud prevention strategies.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Coordinates with external financial institutions to facilitate the return of fraudulent transactions on behalf of the Bank and its customers.
• Recommends entering “Hold Harmless Agreements” with other financial institutions to mitigate risk and liability.
• Advises on the appropriate involvement of law enforcement agencies, including FBI, Homeland Security, and local authorities, in fraud investigations.
• Maintains detailed documentation of suspicious activity, submits required reports (e.g., SAIR), and communicates fraud trends and risk mitigation recommendations to management.
• Oversees fraud monitoring systems and conducts proactive analysis of transactional data to detect and prevent fraudulent activity across payment channels such as Wires, ACH, spoofing, and online banking.
• Conducts timely investigations into suspected or confirmed fraudulent activity, including ACH, wire transfers, account takeovers, identity theft, spoofing, and check fraud, while managing multiple cases simultaneously and collaborating with department heads to process claims accurately.
• Communicates with customers, financial institutions, and law enforcement to validate transactions, prevent losses, and resolve fraud-related inquiries across multiple channels within established service-level agreements.
• Supports team members in complex investigations and collaborates with peers and leadership to share insights and promote fraud awareness.
• Complies with, and stays abreast of, all policies and procedures, federal and state laws applicable to the job. 
• Provide, present, and promote the Citizens Experience to all external and internal customers. 
• Other duties as assigned. 

SUPERVISORY RESPONSIBILITIES

This job has no supervisory responsibilities.

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.  The requirements listed below are representative of the knowledge, skill, and/or ability required.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. 

EDUCATION and/or EXPERIENCE

Bachelor's degree (B. A.) from four-year College or University; or 2 to 4 years related experience and/or training; or equivalent combination of education and experience.

LANGUAGE SKILLS

Ability to read and comprehend instructions, short correspondence, and memos.  Ability to write correspondence.  Ability to effectively present information in one-on-one and small group situations to customers, clients, and other employees of the organization.  Must exhibit clear and persuasive written and oral communication skills.

MATHEMATICAL SKILLS

Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals.   Ability to compute rate, ratio, and percentage and to draw and interpret bar graphs.

REASONING ABILITY

Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form, and synthesize complex or diverse information.  Ability to deal with problems involving several concrete variables in standardized situations. Demonstrated ability to identify and resolve problems in a timely manner and develop alternative solutions.

COMPUTER & SOFTWARE SKILLS

To perform this job succe