Fraud Analyst II

Description

Who We Are:

FFB, a dynamic and acclaimed single-branch bank born in the heart of Fresno, CA in 2005, is on a mission to redefine the banking experience. Our commitment to delivering top-notch banking services has propelled us to the forefront of the industry, earning us accolades and recognition. At FFB, we recognize the uniqueness of each individual who walks through our doors, and our dedicated team strives to craft personalized banking solutions that cater to their distinct needs.

What sets FFB apart is not just our Fresno roots but the diverse talents that make up our team, hailing from every corner of the country. We firmly believe that our people are our greatest strength, and we're constantly on the lookout for ambitious and passionate individuals who align with FFB's vision, regardless of their location.

If you're ready to be part of a winning team and contribute to our ongoing success story, we invite you to apply and join the FFB family!

Recent Achievements Speak Louder Than Words:

• 2024 & 2025 - American Banker - #1 Top Performing Publicly Traded Bank with under $2b in assets  
• 2023 - American Banker - "Top 5" Community Bank in the Country #4 
• 2023 - OTCQX - Best 50 Companies #3 
• 2023 - 5-star Rating Bauer Financial 

What You Should Expect While Working at FFB:

• Company ownership through our Employee Stock Ownership Program (ESOP)
• A friendly, close-Knit work culture that encourages growth 
• Opportunities to Participate in Community Networking Events 
• Benefits Package

O Medical/Dental/Vision

O Life Insurance

O Paid Vacation

o 401(k) Retirement Plan

o Training & Development

O Tuition Reimbursement

o Employee Assistance Program

o Internal Job Posting & Referral Program

Ideal Candidate:

FFB prides itself on its core values of Teamwork, Relationship, Authenticity, and Commitment (TRAC). We expect that our team members will reflect these values in the workplace in various ways: 

• Teamwork – We collaborate, hold each other accountable, and win together. 
• Relationship – We are trustworthy, transparent, and respectful. 
• Authentic – We are humble, vulnerable, and we speak up. 
• Commitment – We are owners...Be hungry, responsive, and have a sense of urgency.

About The Position:

The Fraud Analyst II contributes to the effectiveness of the bank’s fraud prevention and detection efforts by conducting in-depth investigations and analysis of suspicious activity across multiple banking channels. The role includes reviewing fraud alerts, identifying patterns and emerging threats, and escalating complex cases for resolution. The Fraud Analyst II collaborates with internal departments to ensure timely responses to fraud incidents and supports process improvements to strengthen fraud controls. This position demonstrates strong working knowledge of fraud systems, regulatory requirements (including BSA, AML, OFAC, and CIP), and applies sound judgment in decision-making. 

Essential Duties:

• Maintains basic knowledge of the Bank Secrecy Act (BSA), anti-money laundering (AML) and OFAC regulations, as well as all applicable federal and state laws, and the bank’s internal policies and procedures.
• Assists the Payment Operations Officer in overseeing fraud incident case management, ensuring timely investigation and resolution. 
• Monitors Fraud software daily alerts, trends and potential unusual or suspicious activity. 
• Identifies and implements enhancements to fraud monitoring systems, processes, and alert configurations to improve detection and response.
• Manages, delegates, and monitors Fraud alerts and referrals to identify and report suspicious activity. 
• Prepares alert analysis for potential fraudulent transactions within utilized monitoring platform 
• Reports suspicious activity to Compliance team to ensure timely Suspicious Activity Reports (SARs) are completed in a timely manner. 
• Maintains supporting documentation for all fraud cases. 
• Performs follow up activities with other institutions involved in fraud cases. 
• Provides feedback to Management for potential control weaknesses, staff training needs, policy or procedure enhancements and/or ongoing system errors. 
• Provides cross-training to staff on software and Fraud processes. 
• Monitors regulatory updates as related to BSA/AML/CFT/Fraud, including FinCEN, OFAC, FDIC and other regulatory agencies.   
• Prepares and publishes Fraud related bulletins and training information related to Fraud updates and changes.   
• Monitors record retention for fraud cases. 
• Supports the implementation of training programs focused on Fraud policies and procedures.
• Contributes to the development of bank forms, notices, bulletins, and procedures to ensure compliance with Fraud regulations.
• Aids in the administration of Fraud monitoring software systems.
• Provides guidance and research support to bank staff on Fraud-related inquiries.
• Provides peer-to-peer training and mentoring to junior Fraud Analysts on fraud detection systems, case management processes, and regulatory requirements (e.g., BSA/AML/OFAC).
• Assists in onboarding new team members by guiding them through tools, workflows, and internal procedures.
• Embodies the TRAC Values and Critical Behaviors (Teamwork, Relationship, Authenticity, Commitment) as core principles, using them to guide daily interactions and decision-making.
• Completes administrative tasks with a sense of urgency, including required Bank Compliance Training. Responds to internal and external inquiries via email, phone, or messaging platforms in a timely and professional manner. Positively represents the Bank through ethical conduct and community involvement.
• Demonstrates an understanding of and commitment to EEO policies. Fosters a respectful, inclusive workplace by valuing cultural differences, preventing harassment of any kind, and supporting a diverse workforce. 
• Ensures adherence to all Bank policies, procedures, and processes, along with applicable state and federal laws, rules, and regulations, ensuring confidentiality and data privacy while carrying out AML/CFT (Anti-Money Laundering and Countering the Financing of Terrorism) responsibilities specific to the role.
• Performs duties in an office or home office environment, involving tasks such as writing, typing, speaking, lifting moderate weights, and operating office equipment. The position requires physical activities like sitting, walking, and reaching. Reasonable accommodation can be made for individuals with disabilities to perform essential functions.
• Travels up to 10%, including but not limited to attending company meetings, training sessions, and corporate events, with travel typically being regional or local based on business needs.

Requirements

• Bachelor’s degree from an accredited college or university in a relevant field (e.g., Business, Finance, or related) preferred.  
• Minimum 3–5 years of related experience in risk management or compliance in a financial institution required.
• Proficient analytical and problem-solving skills; capable of interpreting complex data and providing meaningful insights.
• Proficiency with Microsoft Office Suite (Excel, Word, Outlook) required.
• Intermediate knowledge in fraud monitoring and case management. 
• Intermediate knowledge of BSA/AML/CFT/Fraud monitoring software.
• Effective oral, written, and interpersonal communication skills with the ability to apply common sense to carry out instructions, interpret documents, understand procedures, write reports and correspondence, and speak clearly to customers, vendors and employees. 
• Strong organizational and time management abilities with attention to detail.
• Proficient teamwork and relationship skills to contribute to cross-functional collaboration and team success.  
• Willingness to take on special projects and perform other duties as assigned, beyond core responsibilities, to support team and organizational needs.
• Commitment to continuous learning and professional development to stay current with industry standards and best practices. 
• Ability to maintain authenticity and integrity in all professional interactions, ensuring trust and credibility with stakeholders.
• Capable of managing multiple priorities and meeting deadlines in a dynamic environment.
• Ability to work independently with minimal supervision and as part of a team.
• Proven ability to adapt to changing priorities and procedures.
• Current driver’s license and a vehicle with appropriate insurance coverage if required to drive while performing assigned duties and responsibilities.