Electronic Payments Fraud Analyst

GENERAL DESCRIPTION OF POSITIONThe Electronic Payments Fraud Analyst is responsible for monitoring, analyzing, and investigating potential fraud across ACH, FedNow, and RTP transactions. The position ensures compliance with updated NACHA requirements, strengthens fraud prevention controls, and supports the integrity of the organization's electronic payment operations. This role provides ongoing risk assessment, reporting, and escalation support to leadership.ESSENTIAL DUTIES AND RESPONSIBILITIES1. Conduct daily reviews of ACH, FedNow, and RTP transactions to identify anomalies, unusual customer behavior, or indicators of potential fraud.2. Collaborate with internal department as well as external financial institutions to validate transactions, resolve disputes, and coordinate fraud related inquiries3. Oversee risk assessments, internal audits, and ongoing control reviews for FedNow and other real time payment services.4. Communicate fraud strategies to assist in keeping the bank safe and prevent future fraud events.5. Stay up to date on fraud and updates management on a weekly basis.6. The ability to work in a constant state of alertness and in a safe manner.7. Complete required BSA/AML training and other compliance training as assigned.8. Perform any other related duties as required or assigned.QUALIFICATIONSTo perform this job successfully, an individual must be able to perform each essential duty mentioned satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.EDUCATION AND EXPERIENCEKnowledge of a specialized field (however acquired), such as basic accounting, computer, etc. Equivalent of four years in high school, plus night, trade extension, or correspondence school specialized training, equal to two years of college, plus 3 years related experience and/training, or equivalent combination of education and experience.COMMUNICATION SKILLSAbility to read, analyze, and understand common scientific and technical journals, financial reports, and legal documents; Ability to respond to complex or difficult inquiries or complaints from customers, regulatory agencies, or members of the business community.MATHEMATICAL SKILLSAbility to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent and to prepare and interpret bar graphs.CRITICAL THINKING SKILLSAbility to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.REQUIRED CERTIFICATES, LICENSES, REGISTRATIONSAAP RequiredPREFERRED CERTIFICATES, LICENSES, REGISTRATIONSNone indicated.SOFTWARE SKILLS REQUIREDIntermediate: 10-Key, Accounting, Alphanumeric Data Entry, Contact Management, Database, Spreadsheet, Word Processing/TypingBasic: Human Resources Systems, Payroll Systems, Presentation/PowerPointWORKING CONDITIONSNormal working conditions as found within an office setting, wherein there is controlled temperature and a low noise level, plus a minimum of distractions.ENVIRONMENTAL CONDITIONSThe following work environment characteristics described here are representative of those an employee encounters while performing essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.The noise level in the work environment is usually moderate.PHYSICAL ACTIVITIESThe following physical activities described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions and expectations.Highly-repetitive, low physical. Highly repetitive type of work which requires concentration in the performance of tasks for consistent time cycles as prescribed by the tasks.While performing the functions of this job, the employee is continuously required to talk or hear; frequently required to sit and use hands to finger, handle or feel; and occasionally required to stand, walk, reach with hands and arms, climb or balance, and stoop, kneel, crouch or crawl. The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include distance vision.ADDITIONAL INFORMATION- requires experience monitoring electronic payment channels (ACH, FedNow, RTP) and identifying fraud-related activityEqual Opportunity Employer/Protected Veterans/Individuals with DisabilitiesThis employer is required to notify all applicants of their rights pursuant to federal employment laws.