Td Bank Fraud Agent US 

United States, New Jersey 

179719502

Mount Laurel, New Jersey

22.75 - 33.25 USDFinancial Crimes & Fraud Mgmt

Job Description:

The Fraud Agent I provides a range of analytical, adjudication, detection, operational, escalation and/or evaluation process support for a defined area or function likeClaims/Detection/Specialty

Depth & Scope:

• Works autonomously within established procedures and/or is responsible for activities involving multiple steps, systems, and jurisdictions
• Requires working knowledge and skills in a range of products and services, processes, procedures and systems in a set of focus areas, where transactions could be characterized by moderate risk
• Gathers and analyzes data to identify and solve problems, escalates as appropriate
• Uses judgement and understanding of process/policy risk when recommending exceptions outside general practices or guidelines
• Generally interacts with internal customers/partners for functions performed and/or external customers
• May provide process/policy guidance to others (e.g. within team, internal partners)
• Focus of work spans from daily, weekly to monthly activities
• Requires working knowledge in a range of technical processes and procedures through job related training and considerable on the job experience to perform a range of work assignments
• Requires solid knowledge of the business unit/operational functions as well as regulatory issues/requirements for jurisdictions supported

Education & Experience:

• High School diploma required; Undergraduate degree preferred
• 1+ years relevant experience
• Working knowledge of transactions, products, services, systems and processes of line of business and regulatory issues/requirements
• Skill in using computer applications including MS Office
• Ability to communicate effectively in both oral and written form
• Ability to work successfully as a member of a team and independently
• Ability to pay high attention to details
• Ability to analyze, research, organize and prioritize work while meeting multiple deadlines
• Ability to handle confidential information with discretion

• Processes/investigates/adjudicates/detectsassigned claim fraud files and conducts effective analysis and/or investigation of fraud claims/disputes to minimize financial loss to the Bank
• Completes appropriateanalysis/re-presentment/judgmentadhering to respective rules and regulations within appropriate timelines as required
• Utilizes a variety of analytical techniques and systems to analyze trends and makes informed decisions concerning claims
• Allocates losses and evaluates potentially unusual and/or questionable account activity to deem fraudulent or not by utilizing a variety of analytical techniques and different systems
• Provides in-depth analysis/detection of claims/fraud patterns that are a result of account take overs, identities theft or customers who are being impersonated. These can be transactions that were done online, or in branch
• Evaluates/analyses/investigatespotentially suspicious and/or questionable account activity and will escalate for further investigation and due diligence as required
• Assists business partners with questions when losses are attributed to their cost centers and/or provides procedural guidance
• Provides guidance to partners on how to protect customers and the Bank against fraud
• Acts as deep specialist/expert within defined area and be a key resource to the Analysts and Agents and other partner solution employees and provides well founded recommendations and/or solutions to business partners

Shareholder Accountabilities:

• Prioritizes and manages own workload to meet SLA requirements for service and productivity
• Consistently exercises discretion in managing correspondence, information and all matters of confidentiality; escalates issues where appropriate
• Be knowledgeable of practices and procedures within own area of responsibility and keeps abreast of emerging trends for own functional area
• Understands and applies operating policies and procedures
• Follows internal and industry regulations and operating practices in completing and recording transactions for either the organization or clients
• Escalates non-standard or high risk activities as necessary
• Ensures documentation that is prepared/completed is accurate and properly reflects business intentions and is consistent with relevant rules/regulations
• May lead work streams by acting as a project lead/subject matter expert for small scale projects/initiatives in accordance with project management methodologies
• Conducts reporting and/or meaningful analysis at the functional or enterprise level using results to draw conclusions, make recommendations, assess the effectiveness ofprograms/policies/practices
• Completes investigations – reports/escalates risk issues or process gaps identified
• Identifies and recommends opportunities to enhance productivity, effectiveness and operational efficiency
• Ensures necessary due diligence to support the accuracy of alltransactions/activities
• Maintains a culture of risk management and control, supported by effective processes in alignment with risk appetite
• Be knowledgeable of and complies with Bank Code of Conduct

Employee/Team Accountabilities:

• Participates fully as a member of the team, supports a positive work environment that promotes service to the business, quality, innovation and teamwork and ensures timely communication of issues/points of interest
• Supports the team by continuously enhancing knowledge/expertise in own area and participates in knowledge transfer within the team and business unit
• Keeps current on emerging trends/developments and grows knowledge of the business, related tools and techniques
• Participates in personal performance management and development activities, including cross training within own team
• Keeps others informed and up-to-date about the status/progress of projects and/or all relevant or useful information related to day-to-day activities
• Contributes to the success of the team by willingly assisting others in the completion and performance of work activities; provides training, coaching and/or guidance as appropriate
• Contributes to a fair, positive and equitable environment that supports a diverse workforce
• Acts as a brand champion for your business area/function and the bank, both internally and/or externally

Physical Requirements:

Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%

• Domestic Travel – Occasional
• International Travel – Never
• Performing sedentary work – Continuous
• Performing multiple tasks – Continuous
• Operating standard office equipment - Continuous
• Responding quickly to sounds – Occasional
• Sitting – Continuous
• Standing – Occasional
• Walking – Occasional
• Moving safely in confined spaces – Occasional
• Lifting/Carrying (under 25 lbs.) – Occasional
• Lifting/Carrying (over 25 lbs.) – Never
• Squatting – Occasional
• Bending – Occasional
• Kneeling – Never
• Crawling – Never
• Climbing – Never
• Reaching overhead – Never
• Reaching forward – Occasional
• Pushing – Never
• Pulling – Never
• Twisting – Never
• Concentrating for long periods of time – Continuous
• Applying common sense to deal with problems involving standardized situations – Continuous
• Reading, writing and comprehending instructions – Continuous
• Adding, subtracting, multiplying and dividing – Continuous

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.

Our Total Rewards Package

awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition.

If you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD – and we’re committed to helping you identify opportunities that support your goals.
We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.