Fraud Examiners, Investigators and Analysts

Wealth Management Fraud & Claims - Sr. Fraud Analyst

Chandler, Arizona

**Job Description:**

pAt Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities and shareholders every day.

One of the keys to driving Responsible Growth is being a great place to work for our teammates around the world. We’re devoted to being a diverse and inclusive workplace for everyone. We hire individuals with a broad range of backgrounds and experiences and invest heavily in our teammates and their families by offering competitive benefits to support their physical, emotional, and financial well-being.

Bank of America believes both in the importance of working together and offering flexibility to our employees. We use a multi-faceted approach for flexibility, depending on the various roles in our organization.

Working at Bank of America will give you a great career with opportunities to learn, grow and make an impact, along with the power to make a difference. Join us!

**Job Description:**

This job is responsible for handling complex and escalated customer situations regarding possible fraudulent account activity. Key responsibilities include receiving inbound calls and takes appropriate action requiring accuracy on complex transactions. Job expectations include performing functions related to research and resolution of fraudulent activity, service support, and delivering practical, innovative solutions to clients while focusing on retention and re-establishing client confidence.

Wealth Management Fraud & Claims associates will handle inbound calls from clients, branch offices, banking centers, and various internal associates. They will also be responsible for the claim initiation and status updates of various fraud and billing disputes, on our clients’ bank accounts. Associates will handle a wide variety of claim types including but not limited to: credit card, debit card, ATM, check fraud, ACH, and online wire transfers for wealth banking products.

**Responsibilities:**

+ Services banking products with high-risk activity to maximize approval of legitimate transactions, minimize client impact at the point of sale, identify fraudulent activity and restrict account activity

+ Assists Fraud Strategy partners with development of new tactics by facilitating controlled tests and simulations within the production environment

+ Tests existing customer facing capabilities (credit, debit, transactions, deposit activity, and online activities) for unknown vulnerabilities resulting in potential fraudulent exploitation and unplanned loss

+ Participates in triage related to Executive Escalations & Incident Response fraud activities

+ Reviews and investigates reports of suspected fraudulent activity with accurate recording of data captured during client interactions

+ Follows established processes and guidelines in daily activities to do what is right for clients and the bank, adhering to all applicable laws and regulation

+ Assist clients and internal partners with banking claim and suspicious alert inquiries, initiation and updates

**Hours vary between 10a-9p EST MUST be available to work a weekend shift**

**Required Qualifications:**

+ 1+ years of fraud servicing or call center experience.

+ Has strong analytical and organizational skills and demonstrates the ability to solve complex problems by reviewing related information

+ Demonstrates a strong sense of urgency and is able to work in a fast-paced, ever-changing environment with a strong focus on risk mitigation and client experience.

+ Displays passion, integrity, commitment and drive to deliver a positive, differentiated service that improves our clients’ financial lives

+ Fully understands how life events can impact a client’s financial situation and is prepared to actively advise solutions and analyze/resolve complex client problems through creative solutions

+ Commitment to excellent attendance with proven reliability and can adhere to the agreed upon work schedule

+ Dependable team-player attitude with an understanding that calls must be handled immediately, including weekends and holidays

+ Communicates effectively and confidently with all clients to make their financial lives better

+ Ability to engage with clients while navigating multiple screens – begin a conversation, anticipate what questions a client will have, actively share information using plain language, build rapport, and handle objections

+ Comfortable receiving ongoing performance feedback and coaching

+ Ability to learn and adapt to new information and technology platforms

+ Minimum of an intermediate level of proficiency with computers and current technology

**Desired Qualifications:**

+ Experience in a call center or a financial/banking center

+ Customer service experience

+ Has 1-2 years of fraud servicing or call center experience.

+ Fraud Detection and Prevention

+ Credit Risk

**Skills:**

+ Customer and Client Focus

+ Data Collection and Entry

+ Due Diligence

+ Issue Management

+ Oral Communications

+ Active Listening

+ Adaptability

+ Attention to Detail

+ Policies, Procedures & Guidelines

+ Written Communications

+ Business Acumen

+ Collaboration

+ Critical Thinking

**Shift:**

1st shift (United States of America)

**Hours Per Week:**

40

Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity and affirmative action, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates.

To view the "Know your Rights" poster, CLICK HERE (https://www.eeoc.gov/sites/default/files/2023-06/22-088\_EEOC\_KnowYourRights6.12.pdf) .

View the LA County Fair Chance Ordinance (https://dcba.lacounty.gov/wp-content/uploads/2024/08/FCOE-Official-Notice-Eng-Final-8.30.2024.pdf) .

Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy (“Policy”) establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment.

To view Bank of America’s Drug-free Workplace and Alcohol Policy, CLICK HERE .

This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.

At Wells Fargo, we are looking for talented people who will put our customers at the center of everything we do. We are seeking candidates who embrace diversity, equity and inclusion in a workplace where everyone feels valued and inspired.

Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.

**About this role:**

Wells Fargo is seeking Fraud & Claims Operations Associate as part of Consumer Lending. Learn more about our career areas and lines of business at wellsfargojobs.com (https://www.wellsfargojobs.com/career-areas/) .

**In this role, you will:**

+ Participate in researching and examining complex transactions and referrals in order to prevent and detect fraud activities, policy violations, and credit card applications disputes with low to high risk within fraud and claims functional area

+ Review complex transactions and referrals to prevent and detect fraud activities, policy violations, and merchant disputes in low to high-risk tasks and deliverables

+ Receive direction and exercise judgment within defined parameters while developing an understanding of investigative techniques and all facets of portfolios serviced by the division to quickly examine information and determine liability as well as impact of each case

+ Provide financial or business evidence and detailed data detecting patterns, trends, anomalies, and schemes in both transactions and relationships across multiple businesses or products to the more experienced management as well as specialists working within the team

**Required Qualifications, US:**

+ 6+ months of Customer Service, Financial Services, Fraud, Investigations experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

**Desired Qualifications:**

+ 6+ months of leadership experience to include coaching, training and mentoring

+ Excellent verbal, written and interpersonal communication skills

+ Strong organizational, multi-tasking, and prioritizing skills

+ Ability to execute in a fast paced, high demand, environment while balancing multiple priorities

+ Ability to work effectively in a team environment and across all organizational levels, where flexibility, collaboration, and adaptability are important

+ Ability to consult, build, and maintain solid working relationships in and outside of immediate department

+ Experience training and providing feedback to staff and corresponding managers

+ Ability to motivate others to greater performance

+ Experience resolving and working through escalated and complex customer issues

+ Exposure with CC Lending, Prevent, LexisNexis, Accrint

**Job Expectations:**

+ Ability to work weekends, and/or holidays as needed or scheduled

+ Must be able to attend full duration of required training period

**Training:** Monday-Friday 8:00am -5:00 pm for 2 Week training

**Schedule:**

Monday to Saturday 8:am to 5:00pm

Tuesday to Friday 9:00 am to 6:00 pm and Saturday 8 :00am to 5:00 pm.

**Location:** 2800 S Price Rd CHANDLER, AZ 85286

+ Candidate must reside within a reasonable commute to the address listed in the posting

+ Relocation assistance is not available for this position.

**Benefits:** Information about Wells Fargo's US employee benefits (http://www.wellsfargo.com/about/careers/benefits/)

GREAT CAREER ADVANCEMENT OPPORTUNITIES!!!

You will have opportunities to participate in programs established to help you achieve your career and development goals.

• Benefit packages include Medical, Dental and Vision Plans for team member and family!

• 401k – up to 6% company match!

• New Team members may be eligible to receive up to 30 paid days off annually, to include 11 bank holidays and 2 personal holidays.

• Tuition Reimbursement Opportunity

**Posting End Date:**

31 Mar 2025

**_*Job posting may come down early due to volume of applicants._**

**We Value Diversity**

At Wells Fargo, we believe in diversity, equity and inclusion in the workplace; accordingly, we welcome applications for employment from all qualified candidates, regardless of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, individuals with disabilities, pregnancy, marital status, status as a protected veteran or any other status protected by applicable law.

Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit’s risk appetite and all risk and compliance program requirements.

Candidates applying to job openings posted in US: All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic.

Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process.

**Applicants with Disabilities**

To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo (https://www.wellsfargojobs.com/en/diversity/disability-inclusion/) .

**Drug and Alcohol Policy**

Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy (https://www.wellsfargojobs.com/en/wells-fargo-drug-and-alcohol-policy) to learn more.

**Wells Fargo Recruitment and Hiring Requirements:**

a. Third-Party recordings are prohibited unless authorized by Wells Fargo.

b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.

**Req Number:** R-444650

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions, enabling the communities we support to grow and succeed in the right ways, all more confidently and more often—that’s what we call the courage to thrive. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive. Try new things, learn new skills and discover what you excel at—all from Day One.

As a wholly owned subsidiary of U.S. Bank, Elavon is committed to building the platforms and ecosystems that help over 1.5 million customers around the world to achieve their financial goals—no matter what they need. From transaction processing to customer service, to driving innovation and launching new products, we’re building a range of tailored payment solutions powered by the latest technology. As part of our team, you can explore what motivates and energizes your career goals: partnering with our customers, our communities, and each other.

**Job Description**

Monitors account activity to identify fraudulent financial transactions and violations. Secures accounts to prevent losses. Works with internal departments to validate that charges are authorized. Works with merchants to resolve customer service issues or fraudulent activity. Maintains merchant processing statistics and records.

**The role is posted as remote; however, candidates who are located near any one of our locations would be required to work on site at least three days per week.**

**Start Date: May 5th 2025**

**Training 5 weeks 8am-5pm Monday-Friday Eastern Time**

**Schedule: 8am-5pm Monday-Friday Eastern Time.**

Basic Qualifications

- High school diploma or equivalent

- Typically at least one year of related work experience

Preferred Skills/Experience

- Ability to identify and interpret data and resolve exceptions

- Ability to work with unwritten but generally understood instructions

- Effective verbal and written communication skills

- Proficient computer navigation skills using a variety of software packages including Microsoft Office applications

- Some experience with loss mitigation a plus

If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants (https://careers.usbank.com/global/en/disability-accommodations-for-applicants) .

**Benefits:**

Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following (some may vary based on role, location or hours):

+ Healthcare (medical, dental, vision)

+ Basic term and optional term life insurance

+ Short-term and long-term disability

+ Pregnancy disability and parental leave

+ 401(k) and employer-funded retirement plan

+ Paid vacation (from two to five weeks depending on salary grade and tenure)

+ Up to 11 paid holiday opportunities

+ Adoption assistance

+ Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

**EEO is the Law**

U.S. Bank is an equal opportunity employer committed to creating a diverse workforce. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors. Applicants can learn more about the company’s status as an equal opportunity employer by viewing the federal **KNOW YOUR RIGHTS (https://eeoc.gov/sites/default/files/2023-06/22-088\_EEOC\_KnowYourRights6.12ScreenRdr.pdf)** EEO poster.

**E-Verify**

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program (https://careers.usbank.com/verification-of-eligibility-for-employment) .

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $20.00 - $20.00 - $22.00

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.

**What’s Under the Hood**

DriveTime Family of Brands includes in-house financing and servicing through Bridgecrest, which is one of the country’s leading financial servicing providers. Bridgecrest services roughly $17 billion in finance receivables for DriveTime and other third parties. We service auto loans across a wide credit spectrum with the intent of creating a strong path to vehicle ownership for our customers.

**That’s Nice, But What’s the Job?**

In short, as the Fraud Agent (Loan Review), you will critically review customer documents, data, and investigation tools to assess potential fraud exposure and communicate with our Retail stores on whether funding is approved, denied, or if more documentation is required.

In long, our Fraud Agents are responsible for:

+ Reviewing income and identity documents for customer fraud/misrepresentation indicators. Attention to detail is key.

+ Applying department procedures and critical thinking to determine additional documentation to request.

+ Calling employers to complete verbal verifications of employment and income.

+ Reviewing identity documents to address Credit Alert Red Flags, synthetic identity, and identity theft concerns.

+ Consistently hitting productivity targets with pre-sale and post-sale investigations while maintaining high quality metrics.

**So What Kind of Folks Are We Looking for?**

+ **A mind for the details.** Okay we know “detail-oriented” is on just about every job description – but we really mean it!

+ **Excellent verbal and written communication skills.** The ability to talk and write with confidence, charisma, and competence for a wide variety of audiences.

+ **Curious minds who love to learn.** Fraud trends are constantly changing, so we have to adapt our knowledge and tactics to stay ahead!

+ **Passionate and goal-oriented.** We are looking for someone that is enthusiastic about their work and is passionate about not only meeting their goals but exceeding them.

+ **Agile in a fast-paced environment.** We move, and we move quickly. Thriving in an environment that never stops, is a must.

**The Specifics.**

+ High School Diploma or GED required

+ Must have availability to work Monday through Saturday with shifts between the hours of 7:00am and 8:00pm. Available to work every Saturday.

**Nice to Haves.**

+ Bachelor's Degree

+ Underwriting/Lending experience

**So What About the Perks? Perks matter**

+ **Medical, dental, and vision, oh my!** DriveTime Family of Brands covers a sizable amount of insurance premiums to ensure our employees receive top-tier healthcare coverage.

+ **But Wait, There’s More.** 401(K), Company paid life insurance policy, short and long-term disability coverage to name a few.

+ **Growth Opportunities.** You grow, I grow, we all grow! But seriously, DriveTime Family of Brands is committed to providing its employees with every opportunity to grow professionally with roughly over 1,000 employees promoted year over year.

+ **Tuition Reimbursement.** We’re as passionate about your professional development as you are. With that, we’ll put our money where our mouth is.

+ **Wellness Program.** Health is wealth! This program includes self-guided coaching and journeys, cash incentives and discounts on your medical premiums through engaging in fun activities!

+ **Gratitude is Green.** We offer competitive pay across the organization, because, well… money matters!

+ **Game Room.** Gimme a break – no, not a Kit Kat ad but we do have a ping-pong table, a pool table and other games if you ever need a break in your day.

+ **In-House Gym.** We want our employees to be the best versions of themselves. So come early, take a break in your day, or finish strong with a workout!

+ **Enjoy Social Events?** Bring it on. Rally with your team for festive gatherings, team competitions or just to hang out!

+ **We Care and Value YOU!** Feel the love and let us treat you to company outings, personal rewards, amazing prizes & much more!

+ **Paid Time Off.** Not just lip service: we work hard, to play hard! Paid time off includes (for all full-time roles) wellness days, holidays, and good ole' fashioned YOU time! For our Part-timers, don't fear you get some time too...vacation time is available - the more you work, the more you earn!

**Anything Else? Absolutely.**

DriveTime Family of Brands is Great Place to Work Certified! And get this: 90% of our rockstar employees say they feel right at home here. We could spend a lot of time having you read about ALL our awards, but we’ll save time (and practice some humility) just naming a few others; Comparably Awards: Best Company for Diversity, Best Company Culture and Best Company Leadership, oh and don’t forget Phoenix Business Journal Healthiest Employers (okay, we’ll stop there)!

Hiring is contingent upon successful completion of our background and drug screening process. DriveTime is a drug-free, tobacco-free workplace and an Equal Opportunity Employer.

And when it comes to hiring, we don't just look for the right person for the job, we seek out the right person for DriveTime. Buckle up for plenty of opportunities to grow in a professional, fun, and high-energy environment!

About the Team

Vector Investigations, Planning and Response (VIPR) works at the forefront of emerging fraud trends on the DoorDash platform. This specialized team operates at the lowest level of detail to recognize root causes of various methods and behavioral patterns which incur financial loss or reputational risk to the company. The insights from this work fuel conversations and action plans geared toward the detection, containment and prevention of fraud.

About the Role

The Associate, Fraud Insights Operations analyzes significant fraud trends and new vectors. They collaborate with Strategy & Operations to understand fraud mechanisms, identify necessary long-term solutions, and implement interim containment measures while awaiting more comprehensive resolutions. This role also supports internal partners by providing data for various initiatives and helping them adapt to evolving fraud strategies.

We partner with many key stakeholders, including Strategy & Operations, to find new ways to combat fraudulent behavioral patterns. Long term solutions can take time and resources. VIPR finds and delivers containment solutions in the interim.

You will report to the Fraud Insights Operations Supervisor on our Vector Investigations, Planning & Response (VIPR) team in our Integrity Ops organization.

At DoorDash, we believe in fostering a culture of meaningful connection, collaboration, and professional growth through in-office interactions. This position requires an in-office presence at the DoorDash corporate office in Tempe and the employee must live within a commutable 50 miles from the office. In-office days are determined by the business and can change based on business needs. The VIPR team operates Monday - Friday. In-office days are: first and third Thursdays of the month

You’re excited about this opportunity because you will…

+ Training and Development: You will have the opportunity to receive training in root cause analysis and SQL functions through LinkedIn Learning courses.

+ Subject Matter Expertise: You understand fraud, how it pertains to the DoorDash ecosystem and recognize, or seek to find new and uncommon fraud tactics.

+ Data Analysis and Interpretation: You know how to make data-driven decisions by gathering, analyzing, and interpreting data to provide insights and recommendations for business decisions that address large fraud trends. This requires a familiarity with various tools and technologies, including the creation of workbooks, scripting spreadsheet functions, and a basic understanding of SQL.

+ Root Cause Analysis: You have a passion for catching important details that could cause problems later, operate at the lowest level of detail with a keen eye to understand and address problems at their foundation, and differentiate between patching and fixing problems.

+ Project Management: You operate autonomously to lead projects of medium complexity from start to finish. These projects often impact processes, technology roadmaps, and other internal initiatives. You recognize risks and have a calculated bias for action.

+ Collaboration and Communication: Project oversight requires constant collaboration with cross-functional teams to understand business requirements and the impact of our work. You enjoy providing guidance, mentoring others, and leading initiatives. You make room at the table and engage with key stakeholders at every level to understand both micro and macro level issues.

+ Continuous Improvement: deliver high-quality insights to combat fraud, take accountability for your actions, own the outcomes, contribute to a positive team culture, and celebrate wins!

We're excited about you because…

+ 3+ years experience in fraud, finance, or other professional operations environment as an individual contributor or similar

+ Organized and able to work independently with minimum supervision while owning projects

+ Highly motivated by complex problems with a strong eye for detail and a knack for creative solutions

+ Google suite intermediate proficiency (sheets, docs, gmail, calendar)

+ An understanding of basic SQL (able to write queries and run them)

+ Strong professional brand, including the ability to communicate well with partners at all levels

+ Capable of asking hard questions in a professional and collaborative manner

Notice to Applicants for Jobs Located in NYC or Remote Jobs Associated With Office in NYC Only

We use Covey as part of our hiring and/or promotional process for jobs in NYC and certain features may qualify it as an AEDT in NYC. As part of the hiring and/or promotion process, we provide Covey with job requirements and candidate submitted applications. We began using Covey Scout for Inbound (https://getcovey.com/product/covey-scout-inbound) from August 21, 2023, through December 21, 2023, and resumed using Covey Scout for Inbound (https://getcovey.com/product/covey-scout-inbound) again on June 29, 2024.

The Covey tool has been reviewed by an independent auditor. Results of the audit may be viewed here: Covey (https://getcovey.com/nyc-local-law-144)

About DoorDash

At DoorDash, our mission to empower local economies shapes how our team members move quickly, learn, and reiterate in order to make impactful decisions that display empathy for our range of users—from Dashers to merchant partners to consumers. We are a technology and logistics company that started with door-to-door delivery, and we are looking for team members who can help us go from a company that is known for delivering food to a company that people turn to for any and all goods.

DoorDash is growing rapidly and changing constantly, which gives our team members the opportunity to share their unique perspectives, solve new challenges, and own their careers. We're committed to supporting employees’ happiness, healthiness, and overall well-being by providing comprehensive benefits and perks including premium healthcare, wellness expense reimbursement, paid parental leave and more.

Our Commitment to Diversity and Inclusion

We’re committed to growing and empowering a more inclusive community within our company, industry, and cities. That’s why we hire and cultivate diverse teams of people from all backgrounds, experiences, and perspectives. We believe that true innovation happens when everyone has room at the table and the tools, resources, and opportunity to excel.

Statement of Non-Discrimination : In keeping with our beliefs and goals, no employee or applicant will face discrimination or harassment based on: race, color, ancestry, national origin, religion, age, gender, marital/domestic partner status, sexual orientation, gender identity or expression, disability status, or veteran status. Above and beyond discrimination and harassment based on “protected categories,” we also strive to prevent other subtler forms of inappropriate behavior (i.e., stereotyping) from ever gaining a foothold in our office. Whether blatant or hidden, barriers to success have no place at DoorDash. We value a diverse workforce – people who identify as women, non-binary or gender non-conforming, LGBTQIA+, American Indian or Native Alaskan, Black or African American, Hispanic or Latinx, Native Hawaiian or Other Pacific Islander, differently-abled, caretakers and parents, and veterans are strongly encouraged to apply. Thank you to the Level Playing Field Institute for this statement of non-discrimination.

Pursuant to the San Francisco Fair Chance Ordinance, Los Angeles Fair Chance Initiative for Hiring Ordinance, and any other state or local hiring regulations, we will consider for employment any qualified applicant, including those with arrest and conviction records, in a manner consistent with the applicable regulation.

If you need any accommodations, please inform your recruiting contact upon initial connection.

**About this role:**

Wells Fargo is seeking an Operational Risk Director in the Chief Operating Office Risk Oversight group as part of the Fraud, Insider Threat & Enterprise Data Risk Oversight team. Learn more about the career areas and lines of business at wellsfargojobs.com.

Operational Risk is the risk resulting from inadequate or failed internal controls, processes, people, and systems or from external events. Operational Risk Management (ORM) upholds the integrity of the Risk Management Framework (RMF) by independently overseeing operational risk management across the company, enabling Wells Fargo to meet its strategic goals and providing a comprehensive view of operational risk.

**In this role, you will:**

+ Provide vision and set direction for the Fraud and Insider Threat enterprise Risk Type Team to achieve long-term strategic objectives that impact organization and management across business groups and enterprise functions

+ Manage the development, implementation, and monitoring of a risk-based program for enterprise level risks with moderate to high risk to identify, assess, and mitigate operational risk that arises from inadequate or failed internal processes, people, systems, or external events

+ Maintain a balance between risk mitigation and operational efficiency

+ Direct execution of major operational risk programs companywide with significant risk and multiple, complex regulatory environments

+ Provide subject matter expertise across lines of business or directly manage enterprise controls for specific functional areas

+ Influence and provide input on policy, framework, and program development for related lines of business or companywide strategy

+ Ensure reporting, escalation, and remediation of issues, deficiencies or regulatory matters regarding operational risk to leaders, committees, and appropriate executive management

+ Identify programs or initiatives related to line of business and enterprise strategy with considerable impact companywide and externally

+ Collaborate and influence all levels of professionals including more experienced leaders

+ Lead team to achieve objectives

+ Manage communication and collaboration with business heads, Legal, Audit, and regulators on risk related topics

+ Manage allocation of people and financial resources for Operational Risk

+ Develop and guide a culture of talent development to meet business objectives and strategy

**Required Qualifications:**

+ 8+ years of Operational Risk experience or equivalent experience demonstrated through one or a combination of the following: work experience, training, military experience, education

+ 4+ years of management or leadership experience

**Desired Qualifications:**

+ At least 8 years of fraud or insider threat experience in the banking industry.

+ A thought leader, with the ability to maintain a balance between risk mitigation and operational efficiency.

+ An expert understanding of the enterprise risk management framework including risk identification, risk appetite and strategy, risk-related decisions, processes and controls, risk analytics and governance.

+ Ability to create solutions in a complex risk and control environment and articulate sound proposals to key stakeholders to influence and drive timely decision making.

+ Demonstrated negotiation skills, especially when partnering with senior management, including the willingness to question decisions and escalate issues, where necessary.

+ Exceptional communication skills, both oral and written, with the ability to ask well-crafted questions and present ideas in a clear and compelling manner.

+ Ability to translate complex information into a simple, executive-ready story board and message on paper.

+ Strong analytical, critical thinking and problem-solving skills, coupled with an ability to synthesize data from a variety of sources and deliver results quickly.

+ Experience building and managing teams, including developing and mentoring managers and providing strong, proactive leadership.

**Job Expectations:**

+ This position offers a hybrid work schedule.

**Work Locations:**

+ 401 S Tryon St - Charlotte, NC 28202

+ 1150 W Washington St – Tempe, AZ 85281

+ 250 E John Carpenter Frwy – Irving, TX

**Posting End Date:**

1 Apr 2025

**_*Job posting may come down early due to volume of applicants._**

**We Value Diversity**

At Wells Fargo, we believe in diversity, equity and inclusion in the workplace; accordingly, we welcome applications for employment from all qualified candidates, regardless of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, individuals with disabilities, pregnancy, marital status, status as a protected veteran or any other status protected by applicable law.

Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit’s risk appetite and all risk and compliance program requirements.

Candidates applying to job openings posted in US: All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic.

Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process.

**Applicants with Disabilities**

To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo (https://www.wellsfargojobs.com/en/diversity/disability-inclusion/) .

**Drug and Alcohol Policy**

Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy (https://www.wellsfargojobs.com/en/wells-fargo-drug-and-alcohol-policy) to learn more.

**Wells Fargo Recruitment and Hiring Requirements:**

a. Third-Party recordings are prohibited unless authorized by Wells Fargo.

b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.

**Req Number:** R-436654

**Your opportunity**

At Schwab, you’re empowered to make an impact on your career. Here, innovative thought meets creative problem solving, helping us “challenge the status quo” and transform the finance industry together.

**Group Overview**

The Visa Fraud Investigations team (VFI) is a department within the Financial Crimes Risk Management Enterprise. This department consists of two groups, Visa Fraud Investigations and Visa Risk Oversight & Monitoring (VROM). Our charter is to protect our client’s and the firm’s assets by preventing and mitigating fraud losses. VFI is responsible for conducting Visa fraud investigations and pursuing recovery efforts of unauthorized debits to client accounts. VROM is responsible for reviewing alerts related to potential fraud, mitigating risk through trends and oversight. Types of case investigations and alerts include Visa debit card transactions for both the Bank and Broker Dealer products.

**Responsibilities**

The Senior Specialist is responsible for reviewing potential fraud alerts and conducting Visa debit card investigations. Senior Specialists for the VROM/VFI team must demonstrate initiative with minimal direct supervision when addressing their daily responsibilities. All assigned must be completed within well-defined regulatory guidelines in an environment that is fast paced and demanding. Consistency in exercising good judgment and decision making with respect to risk and fraud issues is key. The ability to effectively manage alert and case workloads and additional daily responsibilities at a high level of proficiency and quality is required.

**Key Responsibilities include but are not limited to:**

+ Reviewing and disposition potential alerts for Visa and BillPay transactions which are received in real-time.

+ Conducting standard Visa debit card fraud investigations that the VFI team receives during the normal course of business.

+ Ensure that all assigned alerts and cases are worked accurately and within well-defined regulatory target dates and in accordance with the regulations that govern them.

+ Support other individuals with their work when the need emerges.

**Key Factors for Success in This Role**

+ Organizational skills: ability to anticipate, improvise, and adapt for efficient resolutions. Consistently manage workloads effectively. Ability to marshal resources to get things done. Can orchestrate multiple activities at once to accomplish a goal. Use resources effectively and efficiently. Arrange information and files in a useful manner. Ensure that all follow-up responsibilities are completed timely and with limited direct supervision.

+ Quality: ability to problem solve with results-oriented style delivering good quality and timeliness. Demonstrated skills in the areas of critical thinking and judgment as they relate to assessing and mitigating risk to our clients and the firm (with respect to Visa debit card transactions)

+ Communication skills: work effectively across functions, maintain composure in stressful situations, and diffuse tense situations comfortably.

+ Client Focus: dedicated to meeting the expectations and requirements of internal and external clients. Act with the client in mind. Build and maintain efficient relationships with clients and gain their trust and respect.

+ Investigation Mindset: ability to uncover situations that don’t fit within normal standards. Find fraud trends while reviewing large amounts of alerts.

**What you have**

**Required Qualifications** **:**

+ 1 - 3 years of financial services/banking experience.

+ Minimum of 6 months of investigative experience in the areas of: Visa Alerts review or Visa Check Card investigations required.

+ Working knowledge of Regulation E a must.

**Preferred Qualifications** :

+ Direct customer contact servicing Visa Check Card preferred.

+ Required experience within financial industry. Familiarity with financial industry operations preferred.

+ Demonstrated personal initiative to work through new and unfamiliar issues with mentorship while demonstrating good judgment and decision making with respect to risk issues.

+ Demonstrated work history of working well with others in a team environment.

+ Effective skills in the management of personal workloads with an emphasis on producing quality work with minimal errors in a demanding environment.

+ Strong verbal and written communication skills.

+ Detailed knowledge of Schwab systems related to both the Broker Dealer and the Schwab Bank sides of the business with respect to Visa debit card transactions is required (System knowledge to include, but not limited to: Visa CATS (Client Administrative Tools & Services), Visa Online, Client Central, Legacy and various other systems that are used to review and research payment transactions.

**What’s in it for you**

At Schwab, we’re committed to empowering our employees’ personal and professional success. Our purpose-driven, supportive culture, and focus on your development means you’ll get the tools you need to make a positive difference in the finance industry. Our Hybrid Work and Flexibility approach balances our ongoing commitment to workplace flexibility, serving our clients, and our strong belief in the value of being together in person on a regular basis.

We offer a competitive benefits package that takes care of the whole you – both today and in the future:

+ 401(k) with company match and Employee stock purchase plan

+ Paid time for vacation, volunteering, and 28-day sabbatical after every 5 years of service for eligible positions

+ Paid parental leave and family building benefits

+ Tuition reimbursement

+ Health, dental, and vision insurance

What’s in it for you:

At Schwab, we’re committed to empowering our employees’ personal and professional success. Our purpose-driven, supportive culture, and focus on your development means you’ll get the tools you need to make a positive difference in the finance industry. Our Hybrid Work and Flexibility approach balances our ongoing commitment to workplace flexibility, serving our clients, and our strong belief in the value of being together in person on a regular basis.

We offer a competitive benefits package that takes care of the whole you – both today and in the future:

401(k) with company match and Employee stock purchase plan

Paid time for vacation, volunteering, and 28-day sabbatical after every 5 years of service for eligible positions

Paid parental leave and family building benefits

Tuition reimbursement

Health, dental, and vision insurance

Schwab is an affirmative action employer, focused on employing and advancing in employment, qualified women, racial and ethnic minorities, protected veterans, and individuals with disabilities in the workplace. If you have a disability and require reasonable accommodations in the application process, contact Human Resources at applicantaccessibility@schwab.com or call 800-275-1281.

Summary The Principal Avionics Inspector (PAI) serves as the primary operations interface between assigned air carriers, air operators, air agencies, airmen, designees, and the Federal Aviation Administration (FAA). Has program responsibility to assure that assigned organizations meet Title 14 of the Code of Federal Regulations (14 CFR) with respect to operations programs governing all matters to general aviation avionics safety issues. Responsibilities The PAI receives administrative direction from management in terms of broadly defined missions or functions. The PAI, mostly independently plans, designs, and carries out programs, projects, studies, or other work. The PAI provides policy assistance to ASIs on difficult or complex policy interpretations. The work is normally accepted without change. Completed work may be reviewed for adherence to FAA policy and for assurance that project requirements have been fulfilled. Some FG-14 assignments involve service wide responsibility for application of expert knowledge of flight avionics for an advanced multiengine turbojet aircraft. Such employees are concerned with all aspects of the operational capabilities and limitations of the aircraft. ASIs at the FG-14 level establish technical procedures and performance indexes and review complete flight operations programs for leaders in the aviation industry, or organizations of comparable scope and complexity, or a uniquely complex group of general aviation organizations. Assignments at this level are of great scope and unusual complexity. The following assignments are illustrative: 1. As a Service wide expert on a particular type of aircraft: Advises other inspectors of major changes; Evaluates new training methods and equipment; Serves on boards that evaluate incidents, accidents, complaints, and other serious problems relating to the aircraft. 2. As the principal representative in regulatory surveillance of general aviation activities, exercises certificate authority; or evaluates maintenance activities and complete aircraft overhaul facilities. 3. Exercises certificate authority and safety responsibility over a complex of broad and varied general aviation organizations such as air taxis, executive and/or industrial operators, repair stations, and flight and mechanic schools when the activities monitored equate collectively to a major air carrier in terms of size and complexity of aircraft fleet employed, scope and technical complexity of operations, management sophistication, industry leadership, and public impact. The magnitude, intensity, and scope of program responsibility are typically such as to require significant and regular assistance of lower graded inspectors. Decisions typically have broad impact on the operation, maintenance of a particular type of advanced aircraft, or a geographic area containing a variety of novel and/or complex aviation operations. Decisions also have a significant effect on the safety of the flying public. FG-14 employees have critically important and frequently controversial contacts with key officials of major manufacturers and general aviation organizations. Contacts are made to resolve issues which affect the initial certification or operations programs, and their effect on safety and compliance with regulations. The PAI provides guidance to field level staff to solve difficult technical issues. Resolves all but unique problems, with the intervention of management or a more experienced technical specialist. Develop plans, techniques, and policies to address current and anticipated problems and issues. Works with management to solve problems. The PAI is expected to follow established laws, orders, policies, and regulations that provide general guidance for completing work objectives but is allowed considerable discretion to develop new or innovative approaches. The PAI uses resourcefulness, initiative, and judgement based on experience to develop and implement evaluation procedures to address problems where precedents are not applicable. Methods, practices, or decisions may be used as guidance in similar problem areas. Performs other duties as required. Requirements Conditions of Employment We are not accepting applications from noncitizens. Qualifications General Requirements for All 1825 Positions: Not more than two separate incidents involving Federal Aviation regulations violations in the last 5 years Valid State driver's license Fluency in the English language No chemical dependencies or drug abuse that could interfere with job performance, and High School diploma or equivalent. Medical Requirements for All Positions: Applicants must be physically able to perform the duties of the Aviation Safety Inspector position in a safe and efficient manner, with or without a reasonable accommodation. The minimum medical requirements include the following requirements: Have good distant vision in each eye and be able to read, without strain, printed materials the size of typewritten characters (glasses and contact lenses permitted); Have the ability to hear the conversational voice (hearing aid permitted); and Not have any physical condition that would cause them to be a hazard to themselves or others that would interfere with their ability to fly as passengers in a variety of aircraft. In addition, applicants for positions that require participation in the operation of the aircraft must: Possess a valid second – class medical certificate in accordance with FAA regulations; and Pass recurrent medical examinations as prescribed by the FAA. Applicants not requiring valid second-class medical certificates who are tentatively selected will be required to: Provide documentation from a board-certified physician certifying that they meet the minimal medical requirements; or Individuals who do not meet the minimum medical requirements but who are otherwise qualified will receive an individualized assessment to determine whether they can perform the essential functions of the position. When the predominant work involves general aviation avionics, applicants for Aviation Safety Inspector (Airworthiness) positions must meet all of the following requirements. Aircraft avionics experience involving the maintenance, repair, and troubleshooting of installed avionics systems on aircraft. Aircraft avionics work experience (which could include supervision or auditing) in a repair station; air carrier repair facility; military repair facility; or local, state, or Federal governmental agency within the last 3 years. In addition, applicants must demonstrate in your application that you possess at least one year of specialized experience equivalent to the FV-I/FG-13 level. Specialized experience is experience that has equipped you with the particular knowledge, skills, and abilities to perform successfully the duties of the position. Specialized experience is: Assisting, conducting or performing various technical functions related to certification, surveillance, investigation and compliance recommendation of avionics systems on FAR Part 135 air carriers/air operators. For Lateral Movements Between 1825 Specialties: To assist in determining qualification requirements, applicants transferring between specialties at the same grade level are strongly encouraged to complete the appropriate Qualifications Assessment Tool (QAT) check sheet and upload it along with their resume. Check sheets are contained in Order 3410.26, Flight Standards Service Air Carrier and General Aviation Qualifications Assessment Tool for AFS Aviation Safety Inspectors. The recency of specialized experience is waived for current FAA employees in the 1825 series. Applicants should include examples of specialized experience in their work history. Qualifications must be met by the closing date of this vacancy announcement. Errors or omissions may impact your rating or may result in you not being considered for the job. Education Education is not qualifying and cannot be substituted for this position. Additional Information We may use this vacancy to fill other similar vacant positions. Position may be subject to a background investigation. A one-year probationary period may be required. Applicants must apply online to receive consideration. Faxed, mailed or emailed applications cannot be accepted. If you need to submit additional documents, you may upload these documents with your application in USAJOBS. Supplemental documentation can also be faxed to 206-231-4150 on or before the closing date of this announcement. Please include name and the vacancy announcement number on each of your faxed pages and redact all Personally Identifiable Information (PII), such as social security number and date of birth. The FAA is committed to eliminating the use of the Knowledge, Skills and Ability (KSA) narratives in the hiring process for all announcements. Therefore, as an applicant for this announcement, you are NOT required to provide a narrative response in the text box listed below each KSA or Leadership and Management Dimension. In lieu of providing a response, please include WORK HISTORY IN YOUR RESUME THAT DESCRIBES HOW YOU MEET THE ANSWER YOU CHOSE FOR EACH SECTION. Please include specific examples and details which illustrate your knowledge, skills, and abilities. Please include applicable date ranges. Eligible applicants meeting the minimum qualification will be placed in alphabetical order and referred to the selecting official for consideration. This is a bargaining unit position, represented by the Professional Aviation Safety Specialists (www.passnational.org). Links to Important Information: Locality Pay, COLA

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One.

**Job Description**

U.S. Bank is responsible for maintaining an effective anti-money laundering (AML) program for monitoring, detecting, and reporting suspicious activity to appropriate regulatory agencies. As a member of the Enterprise Financial Crimes Compliance AML Investigations division, you will be part of the bank’s second line of defense to prevent individuals and businesses from using U.S. Bank products and services for illegal purposes. As an AML Investigator, you will conduct enterprise-wide investigations identifying unusual activity and preparing Suspicious Activity Reports (SARs) to be filed with Financial Crimes Enforcement Network (FinCEN) as well as writing and preparing cases that result in No SARs. An AML Investigator should have a basic understanding of AML/BSA laws and regulations, the financial services industry, and regulatory trends that impact their assigned line of business. During the investigation, you may identify gaps and help drive solutions that minimize losses resulting from inadequate internal processes, systems, or human errors. You will assist in identifying and/or escalating risks, as appropriate.

**Responsibilities**

_You’ll contribute to the bank’s overall strategy and risk profile by:_

+ Conducting comprehensive case investigations which includes analyzing transaction information, reviewing customer data, researching open source and media checks, and recommending a SAR or no SAR to be filed

+ Working cooperatively with internal departments to obtain and analyze necessary information related to the investigation

+ Preparing quality investigative documentation which includes clearly articulating written detailed case notes, and providing attachments of internal and external research

+ Preparing the SAR form when a case investigation results in a SAR recommendation

+ Recommending customer relationship closures, case escalations or case referrals as appropriate

+ Ensuring case production and quality goals are met

+ Completing other duties as assigned

**Basic Qualifications**

+ Bachelor's degree, or equivalent work experience

+ Typically 2+ years of applicable experience

**Preferred Skills/Experience**

+ Experience in banking, and/or AML compliance

+ Effective oral and written communication skills

+ Strong proficiency in Excel

+ Strong analytical skills

+ Strong problem-solving skills

+ Ability to adapt to a changing environment and handle multiple priorities

+ Strong attention to detail

+ Knowledge of Microsoft Office applications, along with general proficiency in adapting to new software applications

+ Knowledge of Bank Secrecy Act (BSA)/AML laws and regulations

+ Knowledge of Actimize case management system

+ Knowledge of retail banking, lending and bank operations processes

+ Certified Anti-Money Laundering Specialist (CAMS) certification preferred

***** **_The role offers a hybrid/flexible schedule, which means there's an in-office expectation of 3 or more days per week and the flexibility to work outside the office location for the other days._**

****We are hiring in the following locations:**

+ Tempe, AZ

If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants (https://careers.usbank.com/global/en/disability-accommodations-for-applicants) .

**Benefits:**

Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following (some may vary based on role, location or hours):

+ Healthcare (medical, dental, vision)

+ Basic term and optional term life insurance

+ Short-term and long-term disability

+ Pregnancy disability and parental leave

+ 401(k) and employer-funded retirement plan

+ Paid vacation (from two to five weeks depending on salary grade and tenure)

+ Up to 11 paid holiday opportunities

+ Adoption assistance

+ Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

**EEO is the Law**

U.S. Bank is an equal opportunity employer committed to creating a diverse workforce. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors. Applicants can learn more about the company’s status as an equal opportunity employer by viewing the federal **KNOW YOUR RIGHTS (https://eeoc.gov/sites/default/files/2023-06/22-088\_EEOC\_KnowYourRights6.12ScreenRdr.pdf)** EEO poster.

**E-Verify**

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program (https://careers.usbank.com/verification-of-eligibility-for-employment) .

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $66,640.00 - $78,400.00 - $86,240.00

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.

**Why USAA?**

At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families.

Embrace a fulfilling career at USAA, where our core values – honesty, integrity, loyalty and service – define how we treat each other and our members. Be part of what truly makes us special and impactful.

**The Opportunity**

As a dedicated Intermediate Fraud Prevention and Detection Specialist, you will, within defined guidelines and framework, apply basic analytical skills on high risk financial and non-financial transactions to detect and prevent fraudulent activities for Credit Card transactions and Originations. You will also review and respond to suspected fraudulent service requests, queues, and transaction records to identify potentially fraudulent transactions or accounts and identify problems and issues by performing relevant research using the appropriate tools and by following established procedures.

We offer a flexible work environment that requires an individual to be **in the office 3 days per week.** This position can be based in one of the following locations: San Antonio, TX, Phoenix, AZ, or Tampa, FL.

Relocation assistance is **not** available for this position.

**Schedule:**

+ 7:00am-7:00pm

+ Monday- Sunday (you will have 2 consecutive days off including one weekend day)

+ 2 mandatory holidays per year

**What you'll do:**

+ Leverages a variety of fraud management tools and systems and applies proficient knowledge to identify and investigate suspicious financial and non-financial activity on a wide range of products and services.

+ Effectively initiates contact with members to review suspicious activity; and if necessary, take appropriate actions to mitigate the risk and protect the member's assets.

+ Possesses multi product, system, and/or process knowledge and effectively uses it to prevent, detect and mitigate fraudulent activity across multiple products and services.

+ Effectively utilizes appropriate tools and procedures to report confirmed fraud and associated trends.

+ Applies foundational knowledge of the business, its products, and processes and provides improvement opportunities and recommended solutions to improve the effectiveness or efficiency of fraud prevention and detection.

+ Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

**What you have:**

+ High School Diploma or General Equivalency Diploma required.

+ 1 year of fraud prevention/detection experience in a financial services environment.

+ Experience working with Fraud Case Management Tools/Systems.

+ Working knowledge of bank operations, fraudulent review, and regulations that relate to funds availability, check kiting and check fraud.

+ General knowledge of REG CC, REG E, or REG Z Certificates and Designations Association of Certified Fraud Examiners (ACFE) preferred fraudulent activities for a wide range of enterprise financial products and services.

+ Strong attention to detail and high concern for data privacy and accuracy.

+ Customer service orientation with developed analytical and problem-solving skills.

+ Developing knowledge of Microsoft Office products.

+ Knowledge of federal laws, rules, and regulations to include: Reg CC, Reg E

**What sets you apart:**

+ 2 years experience Credit Card fraud investigations and identifying fraud type

+ 2 years experience with Reg CC and Reg E

+ 2 years customer service experience in a Financial Institution

+ Experience with Safire

+ Experience with the following types of fraud; ID Theft, First Party Fraud and Account Takeover, Credit Card Fraud

+ US military experience through military service or a military spouse/domestic partner

**Compensation range:** The salary range for this position is: $43,680.00 - $53,450.00

**Compensation:** USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location.

Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.

The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job.

**Benefits:** At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals.

For more details on our outstanding benefits, visit our benefits page on USAAjobs.com

_Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting._

_USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran._

**If you are an existing USAA employee, please use the internal career site in OneSource to apply.**

**Please do not type your first and last name in all caps.**

**_Find your purpose. Join our mission._**

USAA is unlike any other financial services organization. The mission of the association is to facilitate the financial security of its members, associates and their families through provision of a full range of highly competitive financial products and services; in so doing, USAA seeks to be the provider of choice for the military community. We do this by upholding the highest standards and ensuring that our corporate business activities and individual employee conduct reflect good judgment and common sense, and are consistent with our core values of service, loyalty, honesty and integrity.

USAA attributes its long-standing success to its most valuable resource: our 35,000 employees. They are the heart and soul of our member-service culture. When you join us, you'll become part of a thriving community committed to going above for those who have gone beyond: the men and women of the U.S. military, their associates and their families. In order to play a role on our team, you don't have to be connected to the military yourself – you just need to share our passion for serving our more than 13 million members.

USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.

California applicants, please review our HR CCPA - Notice at Collection (https://statmcstg.usaa.com/mcontent/static\_assets/Media/enterprise\_hr\_cpra\_notice\_at\_collection.pdf) here.

USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.