Commerce Bank
Senior Fraud Specialist - Deposit Services
Commerce Bank, Kansas City, Missouri, United States, 64101
Senior Fraud Specialist - Deposit Services
The Senior Fraud Specialist in Deposit Services independently performs tasks designed to prevent, detect, analyze, investigate, and recovery efforts to protect Retail/Commercial customers and Commerce Bank as it relates to the overall effort to control Bank and/or Customer losses involving Check, ACH, Wire, Online Banking Bill Payment fraud. Essential Functions Reduce losses by investigating all exceptions relating to check fraud against Commerce Bank and determine method of return to recover funds Prevent losses by identifying and contacting Bank officers or customers' whose account activity indicates potential fraudulent use and determine what action to take on the account Review and detect potential fraud on wires, ACH, and online bill payments Review suspect items against cleared images, signature cards, and account history Combine input from multiple sources including system analysis and inspection of check images and render judgment whether to pay or forward for further review / return Articulate to branch personnel or customer the reason why an item is being flagged for further review Perform other duties as assigned Knowledge, Skills & Abilities Required Strong knowledge of check processing operations, including the flow of a check through the check clearing process and the return item processing deadlines Knowledge, or ability to learn relevant operating systems (Deposit, DSS, RCIF, On-Demand, The Signature Verification System, The Online Customer Verification System, Highbond, and Fiserv Fraud) Ability to read the legal amount on handwritten checks Ability to look for process efficiencies and share ideas with management Motivated and organized self-starter with strong attention to detail and the ability to manage multiple priorities while working independently Inquisitive, agile, and strong team player with excellent written, verbal and interpersonal communication skills Ability to remain adaptable and resilient to all situations with an optimistic outlook and cast a positive shadow that is aligned with our culture and Core Values Basic level proficiency with Microsoft Word, Excel and Outlook Education & Experience Associate's degree or equivalent combination of education and experience required 3+ years retail or bank operations experience required Hybrid Schedule: In office 2 days per week The candidate selected for this position may be eligible for the following employment benefits: employer sponsored health, dental, and vision insurance, 401(k), life insurance, paid vacation, and paid personal time. In addition, we offer career development, education assistance, and voluntary supplemental benefits.
The Senior Fraud Specialist in Deposit Services independently performs tasks designed to prevent, detect, analyze, investigate, and recovery efforts to protect Retail/Commercial customers and Commerce Bank as it relates to the overall effort to control Bank and/or Customer losses involving Check, ACH, Wire, Online Banking Bill Payment fraud. Essential Functions Reduce losses by investigating all exceptions relating to check fraud against Commerce Bank and determine method of return to recover funds Prevent losses by identifying and contacting Bank officers or customers' whose account activity indicates potential fraudulent use and determine what action to take on the account Review and detect potential fraud on wires, ACH, and online bill payments Review suspect items against cleared images, signature cards, and account history Combine input from multiple sources including system analysis and inspection of check images and render judgment whether to pay or forward for further review / return Articulate to branch personnel or customer the reason why an item is being flagged for further review Perform other duties as assigned Knowledge, Skills & Abilities Required Strong knowledge of check processing operations, including the flow of a check through the check clearing process and the return item processing deadlines Knowledge, or ability to learn relevant operating systems (Deposit, DSS, RCIF, On-Demand, The Signature Verification System, The Online Customer Verification System, Highbond, and Fiserv Fraud) Ability to read the legal amount on handwritten checks Ability to look for process efficiencies and share ideas with management Motivated and organized self-starter with strong attention to detail and the ability to manage multiple priorities while working independently Inquisitive, agile, and strong team player with excellent written, verbal and interpersonal communication skills Ability to remain adaptable and resilient to all situations with an optimistic outlook and cast a positive shadow that is aligned with our culture and Core Values Basic level proficiency with Microsoft Word, Excel and Outlook Education & Experience Associate's degree or equivalent combination of education and experience required 3+ years retail or bank operations experience required Hybrid Schedule: In office 2 days per week The candidate selected for this position may be eligible for the following employment benefits: employer sponsored health, dental, and vision insurance, 401(k), life insurance, paid vacation, and paid personal time. In addition, we offer career development, education assistance, and voluntary supplemental benefits.