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 – two weeks upon hire with monthly accruals.
  • 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. 

• Reviews and investigates all items that are presented as suspects in the fraud applications to alleviate losses to our customers and to INTRUST Bank. 

• Decisions mobile check deposits according to bank guidelines while evaluating the deposited item for fraud or placing a hold. 

• Manages the centralized holds process for the bank, which includes placing holds on high-risk items, evaluating item review requests, communicating, and providing documentation to the customer, and performing necessary follow-up.

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

• Analyzes customer activity for mitigation of risk and closes accounts as 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.

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

• Performs customer validation of all accounts opened via online banking, performs maintenance on the account and takes applicable action on accounts that are determined to have been opened fraudulently.

• Validates all new external transfers set up by customers and monitors returns for possible fraud.

• Monitors reports to identify fraud trends and areas of concern, investigating and taking further action when needed.

• Escalates legal issues to management to keep INTRUST Bank from facing adverse action.  

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: Skills required; 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 communications, and excellent customer service skills. Necessitates the ability to learn and retain guidelines for the following regulations ‘CC’, ‘E’, ‘J’ and ‘O’. Minimal supervision required.

Required Licenses and/or Certifications: AAP – Accredited ACH Professional and/or NCP – National Check Payments certification may be helpful.

Physical Demands: Extended period(s) of time may be spent viewing a personal computer, sitting, standing, and walking. Occasional lifting up to 25 lbs. Must be able to hear and speak clearly both face-to-face and over the phone. Must be able to use hands to key information and handle objects. The physical demands necessary for this role should be performed with or without a reasonable accommodation. 

Working Conditions: Normal office conditions

This job description summary is not intended to be an employment contract, nor is it intended to state or imply these are the only activities to be performed by the employee occupying this position.  Employees will be required to follow any other duties as assigned or requested by their supervisor.

INTRUST Financial Corporation and its subsidiaries, including INTRUST Bank, are Equal Opportunity Employers whose policy is not to discriminate unlawfully against any qualified employee or applicant  for employment on the basis of protected military or veteran status, disability, race, color, religion, sex, age, national origin, pregnancy, genetic information, sexual orientation, gender identity, or any other classification protected by applicable local, state or federal law; except where an individual’s protected category constitutes a bona fide occupational qualification.