Enterprise Fraud Prevention Analyst

Duties & Responsibilities

This position will support UMB Fraud Operations to protect UMB and clients against multi-channel payment fraud loss or loss due to identity theft. These payment channels will include Card, Check, Digital Online Banking, Mobile, Wire, ACH & Instant Payments. Responsible for working within a multi-channel fraud prevention team and mastering the associated systems and tools used for transaction level fraud prevention. Daily responsibilities include analysis and detection of check, card, ACH, wire and OLB fraud incidents by using all tools available and engaging analytical and fraud detection skills.  Review the queued single and multi- channel activity for evidence of suspicious and incongruent patterns by the daily specified deadlines, making judgment calls based on a comprehensive analysis of multi-channel activity and other information available, fully utilizing the systems available and working with clients as needed.  Assessment of potential fraud by review and analysis of key elements at the respective channels. Responsible to assist the Enterprise Fraud Operations Managers and Enterprise Fraud Data Strategy to identify fraud trending with the objective to calibrate the existing rule sets for greater effectiveness and efficiency. Responsible to fulfill testing requirements in support of all Business Continuity Plan exercises.  Accuracy and decision-making skills are critical in this role to mitigate monetary losses.  Assist Enterprise Fraud Claims Analysts in case management activities as required. Establish and maintain relationships with branch and customer service associates and account managers for fraud alert related details as needed. Other duties as assigned.

Knowledge & Skills

Minimum:

• Advanced knowledge of Microsoft Office suite
• Demonstrates aptitude for problem solving, analytics, and reporting
• Demonstrates ability to manage time and meet deadlines – works under limited supervision
• Demonstrates ability to work proactively & collaboratively in a team environment
• Demonstrates strong written communication skills
• Demonstrates ability to manage time and meet deadlines – works independently
• Demonstrates ability to work proactively & collaboratively in a team environment
• Demonstrates solid written communication skills
• Demonstrates ability to partner with multiple lines of business to achieve common goal

Preferred:

• Working knowledge of industry fraud applications.
• Ability to navigate multiple systems
• Experience with FIS, FISERV, IBM and First Data fraud tools.

Requirements

Minimum:

• High School education
• 2+ years Card, Check, ACH, Wire or any combination of fraud prevention experience

Preferred:

• College Degree
• Cross channel fraud team experience.
• Analytic experience
• 4+ years Card, Check, ACH, Wire or any combination of fraud prevention experience

Work Environment

• Normal office environment

Compensation Range:

$44,790.00 - $86,510.00

The posted compensation range on this listing represents UMB’s standard for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. In addition, this range does not encompass the full earning potential for this role. Please see the description of benefits included with this job posting for additional information

UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary.

Are you ready to be part of something more?
You're more than a means to an end—a way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another, and their community. Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard.

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