Dispute Investigation Analyst (Finance)

Position Purpose:
· This position is responsible for investigating and processing disputes within regulation guidelines. Responsibilities include researching and concluding disputes for but not limited to card, ACH, check, wires, financial aid refunds, and account transfers, processing chargebacks, making outbound merchant and customer calls when necessary.

Primary Responsibilities:

Ability to recognize and act upon the importance of balancing risk and customer experience.
Analyzing dispute cases and support documentation received to determine if the transaction(s) is a valid dispute.
Communicate with customers, merchants, and leadership regarding fraud claims.
Determining which disputes qualify for chargeback to the merchant based on specific criteria.
Drives efficiencies by having continuous improvement mindset.
Ensuring all Reg E disputes and notifications are processed accurately and timely.
Maintain dispute and chargeback inventory to ensure all cases are accounted for and processed timely.
Manage disputes and fraudulent activity within the allotted timeframe for chargeback cycle and regulations
Notifies management of important developments (fraud trends) and potential problems (fraud detection/prevention)
Provide cross-functional support to Fraud Analysts & Investigators through alert review and Error Resolution processing.
Request, examine, and analyze banks transmittal records and/or supporting documentation to determine chargeback eligibility
Strong ability to multi-task while also staying adaptive
Thorough understanding and demonstrated execution of best practices associated with conducting complex fraud investigations.
Working understanding of all regulatory requirements associated with fraud investigations, such as the Bank Secrecy Act, Uniform Commercial Code, Regulation CC, Regulation E, Gram-Leach-Bliley.
Working with the Fraud Risk Team in developing business rules to monitor, identify and remediate fraudulent trends quickly.
Other duties as assigned.

Authority, Impact, Risk:
· Reputational and financial risks due to non-compliance
· Lack of understanding and compliance on the part of the staff due to improper or non-existent training and incomplete/missing policies and procedures
· Failure to detect, investigate, and mitigate fraud effectively while not ensuring compliance with legal and regulatory standards will not reduce fraud-related risks, minimize losses, and safeguard the bank's reputation and financial integrity.

Key Relationships:
· Routine interaction with Chief Compliance Officer, Internal Audit Manager, Chief Risk Officer and Chief Financial Officer (FCFS), Chief Operating Officer, CFO, Director - Deposit Services, Director of Information Technology Services, and all impacted staff
· Agency regulators (both State and Federal)

Managerial Accountability:
· N/A

Working Conditions:
· Participate in training, attend industry conferences, and stay up to date on changes in regulations, fraud detection technologies, and best practices in fraud prevention.
· Ability to deliver information in a confident, informed manner.
· Ability to deliver training on numerous regulatory subjects in an informative style that ensures understanding of the subject matter.
· Ability to work in fast paced environment.

Time Allocation:
· Determined by Dispute Director based on the business needs.

Job Specifications:
Position adheres to confidentiality policy, code of ethics and knowledge of Bank Secrecy Act and best practices and other pertinent Regulatory laws and regulations.
Required:
· Bachelor's degree in business, finance, accounting, or a related field; OR 2 years' experience in Banking or other financial services industry.
· Knowledge of banking regulations (both State and Federal).
· Strong communication skills (written and verbal).
· Detail oriented.
Preferred:
· Prior Banking or Regulatory experience.
· Familiarity with required BSA documentation.
· Understanding the impacts/finding and appropriate remediation.

Risk Management Requirements:
Understands and adheres to Workplace Policies, Code of Conduct, privacy, and information security guidelines. Understands and adheres to Anti-Money Laundering, Bank Secrecy Act, and Compliance with the USA PATRIOT Act policies and procedures applicable to position, completing any supporting requirements within defined timeframes. Acts within authorized limits and delegated authorities and role applicable policies and procedures. Follows processes and controls to protect shareholder interests. Mitigates risk to the bank and customers by following all applicable security procedures.

Equal Opportunity Employer including Veterans/Disabilities