Fraud Detection Sr Specialist - Deposit Fraud

As a Fraud Detection Sr. Specialist, you’ll play a pivotal role in our Fraud Detection group, one of our most critical departments at Citizens. Our team is dedicated to protecting our customers, maintaining the highest standards of service, and ensuring the integrity of financial transactions.

Our best Fraud Detection colleagues have an analytical mindset and like to work proactively and independently in a fast-paced environment. You’ll review products for the prevention and detection of possible fraud and are responsible for research and analysis of account activity to assess levels of risk. You’ll apply knowledge of compliance and verification procedures to effectively perform assigned work and take a holistic review of a customer’s account.  This role is responsible for tracking and actioning cases within required timeframes, as determined by regulatory guidelines and internal requirements. The best course of action for compromised accounts and recommendations will be applied to restore account integrity and resolve fraudulent activity.

Primary responsibilities include

• Perform moderately complex analytical review of data and/or documentation which may include customer data and/or review for fraud/risk activities.
• Review accounts for fraudulent activity and take appropriate actions per department procedures.
• Meet internal SLAs, maintain a high diligence, maintain the ability to document clear and detailed comments regarding investigation results. 
• Interactions with external customers, department colleagues and internal/external business partners. 
• Resolve findings through independent research, as well as direct interaction with external customers, department colleagues, and business partners, with a strong focus on customer satisfaction.

Qualifications, Education, Certifications and/or Other Professional Credentials

• Required Qualifications
  • High school degree or equivalent, required
  • 1 year of Fraud investigations experience.
  • Strong organized, technical, and analytical skills.
  • Ability to multi-task and to function efficiently in a high volume, fast-paced, deadline-oriented environment.
  • Ability to learn and apply new concepts quickly.
  • Excellent communication and customer experience skills (written and verbal).
  • Ability to identify fraud trends and enhanced account reviews.
  • Experience with monitoring, reviewing, and analyzing account activity to identify fraud or suspicious activity.
• Preferred Qualifications
  • Associate degree, preferred
  • 3+ years of Banking, Professional experience in analysis and/or financial services industry.
  • Maintain knowledge of the bank’s products, services, customers and geographic locations, and the potential fraud risks associated with those activities.
  • Experience with monitoring, reviewing, and analyzing account activity to identify fraud or suspicious activity.

Hours and Work Schedule

• Hours per Week: 40
• Work Schedule: Tuesday 5:00am- 3:30pm  Wednesday - Saturday 5:00am - 1:00pm (hybrid)

Equal Employment Opportunity

Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.

Equal Employment and Opportunity Employer

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Background Check

Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information.