Payments Fraud Analyst

JOB SUMMARY:The Fraud Analyst is responsible for detecting, investigating and preventing fraud acrossvarious payment services. Duties include monitoring transactions and analyzing data to identifypatterns of fraud. This position works closely with management to escalate incidents andprovides quarterly statical metrics based on system performance and results.PRIMARY RESPONSIBILITIES:WiresCritical suspect reviews and timely release or cancellation of paymentImmediate review and escalation utilizing fraud softwareCreating and maintaining filters and policies for known fraud and internal controls withinsystemMonthly tracking includes actual/potential loss and volumesQuarterly management reportingNegotiable ItemsTimely review and decision of suspected items to pay or returnCreating and maintaining filters and policies for known fraud and internal controls withinsystemMonthly tracking includes actual/potential loss and volumesQuarterly management reportingEFTClaim processing including but not limited to ACH, Debit Cards, Zelle, Transfer NOWDaily review of Client Central Reports to prevent and identify suspected fraud, includingbut not limited to restricting or closing cards while attempting to verify customersReg E MonitoringCAMS AlertsOther Duties:Debit Card Maintenance including but not limited to travel exemptions, rushes, reissues,and monthly closed account reportManage and replenish debit card inventoryReconciliation of General Ledgers and Bancontrol associated with losses and debitcards.BACK-UP SUPPORTCOS III responsibilitiesADDITIONAL RESPONSIBILITIES AND BACK-UP SUPPORTProvide great service to internal and external customersPage 2 of 2 May 2026Completion of required training assigned by due dateDuties will be conducted in accordance with all regulatory requirements including thosespecified in C3bank’s Policies and ProceduresKNOWLEDGE AND SKILL REQUIREMENTS:Knowledge of, adherence to, monitoring and responsibility for compliance with state and federallaws and regulations affecting the financial services industry as they pertain to this positionincluding but not limited to the following: Bank Secrecy Act in conjunction with the USAPATRIOT Act, Anti-Money Laundering and Customer Information Program, Customer Privacyrequirements, protecting customer Privacy and the Community Reinvestment Act.Risk managementLeadershipAnalytical thinkingRegulatory and audit readinessNICE Actimize XceedFiserv PremierEDUCATION AND EXPERIENCE REQUIREMENTS:High school diploma or equivalent required5+ years of financial institution operations experienceAdvanced experience in fraud/anomaly detectionPHYSICAL DEMANDS:The physical demands and work environment described here are representative of those thatmust be met by an employee to successfully perform the essential functions of this job.Reasonable accommodation may be made to enable individuals with disabilities to perform theessential functions.This position involves walking, talking, hearing, writing, using hands to handle, feel or operateobjects, tools or controls, and reaching with hands and arms and required to sit for long periods.Vision is required to read documents, reports, computer screens and include close vision and theability to adjust focus.An individual in this position may be required to push, pull, lift and/or carry up to 25 pounds.The noise level in the work environment is usually moderately quiet.