Patelco Credit Union

  • Card Fraud Analyst

    Job Locations US-CA-Pleasanton
    Req No.
    2018-2757
    Category
    Risk Management
    Type
    Temporary Full-Time
  • Overview

    We’re here to help people in communities throughout Northern California build financially healthy lives. We do this by being attentive and partnering with our members to understand what is financially best for them. We thrive on change, and we put people first. If you’re looking to use your skills and knowledge to make a difference in the lives of others, we look forward to hearing from you.

     

    About Patelco Credit Union

    Patelco is a not-for-profit credit union, serving the financial needs and aspirations of more than 300,000 members. What we earn, we return to our members in savings from lower loan rates, fewer fees, and personalized service that focuses on transparency, simplicity, and trust. Our mission remains the same as when we started in 1936, to provide products, services, education and expertise that will empower our members to rise up and achieve financial freedom. 

     

    The Opportunity

    In this role, primary responsibilities will include working with card dispute cases, triaging disputes, and identifying card fraud cases for investigatory follow-up.   For mitigation and control of credit union fraud and operational risk thru the use of fraud detection tools and working with Operations Departments in recommending and taking corrective action.

    Responsibilities

    • Performs review of incoming card disputes.
    • Logs disputes into tracking platform, assigns follow-up tasks to other organizational stakeholders.
    • Performs investigations on card disputes categorized as fraud, accessing necessary information and platforms to bring investigation to a resolution.
    • Communicates with internal team members, members, and/or vendors.
    • Identify and analyze suspicious activity by using investigative resources which includes exception reporting, surveillance photos and system reports.
    • Review and maintain accurate records on repeat card offenders with multiple cases to minimize further/future losses.
    • Process account maintenance, including placing flags and holds on accounts and cards to minimize loss exposure to the Credit Union. 
    • Utilizes multiple systems to properly maintain Member accounts.
    • Performs daily review of exception and risk reports (COOP and internal reports).
    • Reviews potential fraudulent accounts for the prevention and detection of fraud.
    • Communicates with members (primarily in writing or phone) as necessary to support the investigation and obtain needed info.
    • Maintains thorough and current knowledge of all federal, state, and local regulations as well as internal policies and procedures and credit union products and services.
    • Manages fraud and risk records on case management system.
    • Other duties and special projects to meet business needs.

    Qualifications

    • Bachelor’s or AA degree in business related discipline or equivalent preferred.
    • 3-5 years prior relevant card and/or fraud experience in a credit union or bank operations environment.
    • Strong working knowledge of card processes, including disputes, chargeback and card investigations.
    • Working knowledge of fraud investigations. CFE accreditation a bonus.
    • Prior experience with Verafin software preferred.
    • Familiarity with Summit Information Systems a plus.
    • Familiarity with and proficiency in Microsoft Office Suite – Excel, Word, Outlook


     Competencies Required

    • Strong written and oral communication skills.
    • Strong organizational skills with ability to multitask.
    • Strong analytical skills with proven ability to use sound judgment to make quick decisions with attention to detail; ability to perform basic mathematical calculations.
    • Strategic ability and judgement to balance and incorporate multiple interests of different parties.
    • Ability to learn and adapt to new information, platforms and processes.
    • Ability to interact with staff, members, and others in the course of work in a professional, civil manner.
    • Proficiency with various reporting tools such as Microsoft Word and Excel, Database querying and data analysis.
    • Individual must be a self-starter with a high level of dependability and self-motivation, discretion and even-handedness dealing with sensitive information, and able to work independently and in a team- oriented environment.

    Physical Activities/Requirements

    • This position is based in our Pleasanton headquarters.
    • Infrequent travel to branch offices and MCC may be occasionally necessary as well as external conferences and/or professional meeting.
    • Preferred hours: 8:30 a.m. to 5 p.m., Monday-Friday

    Patelco Credit Union is an EO Employer - M/ F/ Veteran/ Disability

     

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