United Community
Overview
Financial Investigator I - Disputes at United Community. United Community is looking for a meticulous and detail-oriented Financial Investigator I - Disputes to join our team. As a Financial Investigator I, you’ll dive into fraud detection, analyzing suspicious activities across various customer accounts (POS, ATM, Wire, ACH, Online Banking, Check, Mobile, etc.). Your mission is to identify potential fraud cases, complete necessary reports, and ensure a positive customer experience for those affected. You’ll document and evaluate your findings to support fraud trending and reporting, always adhering to best practices. What You’ll Do
Fraud Detection & Analysis: Review and research suspected fraud notices for all areas received through internal and external sources to determine fraud. Investigate fraud activity, reports, and documents as required per regulatory guidance for each fraud type. Identify fraud patterns and communicate trends to management. File/Research and Understand disputes/returns for POS, ATM, Wire, ACH, Online transactions, Checks, etc. Report real-time fraud-related activity, ensuring that the affected UCBI area/branch is notified. Ensure the investigation of all accounts assigned and record all efforts in the Financial Intelligence platform (Verafin). Customer Interaction: Interact with customers who are victims or suspected of fraud and perform appropriate actions while providing a positive customer experience. Communicate with customers/branches via letters, phone, and e-mail throughout the investigative process. Collaboration & Reporting: Work with Legal and Corporate Security on case building and/or pulling information for fraud cases for law enforcement or court requests. Escalate to department management issues requiring approval outside of the Financial Investigator’s authority and issues that may adversely affect United Community Bank. Compliance: Follow all United Community Bank policies and procedures with integrity and comply with applicable laws (e.g., Fair Debt Collection Practices Act, Fair Credit Reporting Act, Gramm-Leach-Bliley Act, Electronic Fund Transfer Act, Equal Credit Opportunity Act, Dodd-Frank Act; adhere to Unfair, Deceptive and/or Abusive Acts or Practices.) What We’re Looking For
Required Skills/Experience: Minimum of 3 years’ work experience in Financial Services and/or understanding of fraud detection/investigations. Hands-on experience with fraud claims (Check, POS, ATM, Wire, Identity, Mobile, etc.). In-depth knowledge of BSA/AML/OFAC laws and regulations. Strong time management and organizational skills. Comprehensive understanding of bank policies and procedures related to Fraud Prevention. Proficiency with core systems and other internal banking systems (Director, Wires, ACH, Online Banking, Debit Cards, Research/Returns, File Maintenance). Advanced skills in Microsoft Excel, Word, and email. Ability to multi-task with excellent analytical and critical thinking skills; strong verbal and written communication skills. Problem-solving and decision-making abilities, with the capacity to escalate issues when necessary. Preferred Skills/Experience: Experience managing moderately complex situations and providing clear status reports and recommendations to stakeholders, including Relationship Managers and Department Management. Conditions Of Employment
Must be able to pass a criminal background check. This is a full-time position with flexibility for evenings and weekends as needed. We are an Equal Opportunity Employer and do not discriminate against any employee or applicant for employment because of race, color, sex, age, national origin, religion, sexual orientation, gender identity and/or expression, veteran status, disability, or any other protected class. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
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Financial Investigator I - Disputes at United Community. United Community is looking for a meticulous and detail-oriented Financial Investigator I - Disputes to join our team. As a Financial Investigator I, you’ll dive into fraud detection, analyzing suspicious activities across various customer accounts (POS, ATM, Wire, ACH, Online Banking, Check, Mobile, etc.). Your mission is to identify potential fraud cases, complete necessary reports, and ensure a positive customer experience for those affected. You’ll document and evaluate your findings to support fraud trending and reporting, always adhering to best practices. What You’ll Do
Fraud Detection & Analysis: Review and research suspected fraud notices for all areas received through internal and external sources to determine fraud. Investigate fraud activity, reports, and documents as required per regulatory guidance for each fraud type. Identify fraud patterns and communicate trends to management. File/Research and Understand disputes/returns for POS, ATM, Wire, ACH, Online transactions, Checks, etc. Report real-time fraud-related activity, ensuring that the affected UCBI area/branch is notified. Ensure the investigation of all accounts assigned and record all efforts in the Financial Intelligence platform (Verafin). Customer Interaction: Interact with customers who are victims or suspected of fraud and perform appropriate actions while providing a positive customer experience. Communicate with customers/branches via letters, phone, and e-mail throughout the investigative process. Collaboration & Reporting: Work with Legal and Corporate Security on case building and/or pulling information for fraud cases for law enforcement or court requests. Escalate to department management issues requiring approval outside of the Financial Investigator’s authority and issues that may adversely affect United Community Bank. Compliance: Follow all United Community Bank policies and procedures with integrity and comply with applicable laws (e.g., Fair Debt Collection Practices Act, Fair Credit Reporting Act, Gramm-Leach-Bliley Act, Electronic Fund Transfer Act, Equal Credit Opportunity Act, Dodd-Frank Act; adhere to Unfair, Deceptive and/or Abusive Acts or Practices.) What We’re Looking For
Required Skills/Experience: Minimum of 3 years’ work experience in Financial Services and/or understanding of fraud detection/investigations. Hands-on experience with fraud claims (Check, POS, ATM, Wire, Identity, Mobile, etc.). In-depth knowledge of BSA/AML/OFAC laws and regulations. Strong time management and organizational skills. Comprehensive understanding of bank policies and procedures related to Fraud Prevention. Proficiency with core systems and other internal banking systems (Director, Wires, ACH, Online Banking, Debit Cards, Research/Returns, File Maintenance). Advanced skills in Microsoft Excel, Word, and email. Ability to multi-task with excellent analytical and critical thinking skills; strong verbal and written communication skills. Problem-solving and decision-making abilities, with the capacity to escalate issues when necessary. Preferred Skills/Experience: Experience managing moderately complex situations and providing clear status reports and recommendations to stakeholders, including Relationship Managers and Department Management. Conditions Of Employment
Must be able to pass a criminal background check. This is a full-time position with flexibility for evenings and weekends as needed. We are an Equal Opportunity Employer and do not discriminate against any employee or applicant for employment because of race, color, sex, age, national origin, religion, sexual orientation, gender identity and/or expression, veteran status, disability, or any other protected class. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
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