Truist Lightstream Fraud Investigator II - Office San Diego 

United States, California, San Diego 

100876000

Regular or Temporary:

English (Required)

1st shift (United States of America)Responsible for analyzing and resolving complex fraud scenarios across multiple systems and products. Responsible for making independent decisions including identification, investigation, and resolution of high risk or sensitive fraud cases.

ESSENTIAL DUTIES AND RESPONSIBILITIES
Following is a summary of the essential functions for this job.  Other duties may be performed, both major and minor, which are not mentioned below.  Specific activities may change from time to time.

1.    Ability to proficiently use a variety of fraud management tools and systems to identify, investigate and mitigate complex fraud activity across multiple products and services.
2.    Proficient understanding of all applicable regulations to ensure any information provided is in compliance. (Regulation E, Regulation Z, UCC, Federal Credit Reform Act (FCRA), Regulation J, Regulation CC, NACHA, Bank Secrecy Act/Anti-Money Laundering/Patriot Act (BSA/AML), Telephone Consumer Protection Act (TCPA), Office of Foreign Assets Control(OFAC) and Identity Theft red flags.)
3.    Use critical thinking skills to make well supported decisions relative to the alert type and risk identified.
4.    Utilize internal and external applications to assist in the investigation and research of all applicable alerts and risk identified.
5.    Investigates and resolves document manipulation cases, first party fraud concerns, and identity theft disputes on applications and accounts for the portfolio.
6.    Identifies, investigates, and escalates potential fraud trends, potential rings, and scams to Fraud Manager.
7.    Provides daily oversight and configuration of fraud monitoring systems.
8.    Makes recommendations and drives implementation on improved or new operational procedures which help mitigate fraud, reduce false positives and increase efficiencies.
9.    Logs and maintains fraud incidents within Truist’s fraud case management system.
10.    Facilitates fraud related projects which may include assessing or onboarding new fraud tools, teammate training programs, or other projects assigned by management.
11.    Performs daily review and audit of funding files to identify fraud, misrepresentation, or customer service issues while escalating urgent issues to management’s attention.
12.    Collaborates with Enterprise teams on open fraud investigations, Hold Harmless, and ACH Recalls
13.    Submits timely completion and response to the BSA/AML teams for OFAC review, documentation requests, and general inquiries and escalates to management as needed.
14.    Communicates technical issues, problems, and solutions to both a varied audience of technical and non-technical personnel.
15.    Effectively communicates emerging and/or changing risk and related control opportunities and enhancements to senior management
16.    Supports fraud process training for staff, manager projects, and system enhancements.
17.    Meet/exceeds monthly performance requirements as evidenced by Ongoing and QC Reviews.
18.    Collaborate with cross-functional teams and management within Operations to mitigate fraud risk.

QUALIFICATIONS
Required Qualifications:
The requirements listed below are representative of the knowledge, skill and/or ability required.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

1.    Bachelor’s Degree
2.    Proven mastery of the Fraud Investigator 1 job responsibilities
3.    Ability to work in a fast-paced, multitasking, and team-oriented environment
4.    Strong verbal and written communication skills
5.    Ability to focus on tasks at hand, interpret information logically to solve problems, and answer questions via phone and email appropriately
6.    Ability to provide clients and teammates with excellent service

Preferred Qualifications:
1.    Banking Fraud Operations Experience
2.    Cyber/Digital Fraud Experience
3.    Strong knowledge and insight on latest industry trends and fraud practices.

The annual base salary for this position is $75,000 - 85,000