NANO BANC

Position Summary: Responsible for investigating fraud related to Nano Banc platforms, products, and services. Leverage fraud monitoring and risk management expertise to identify points of exposure and vulnerability, while balancing these against opportunities to reduce false positives across areas such as deposits, payments, digital services, and customer onboarding. Coordinate and lead processing of fraud claims, legal processing and risk management functions for the Banc’s operational departments.

Essential Duties and Responsibilities:

• Implement, train, monitor, and report on risk management and fraud monitoring programs.
• Conduct risk and control assessments for processes, products, and projects.
• Identify and report operational risk events and losses.
• Maintain understanding of queue sizes, loss trends, and dashboards.
• Identify risk factors and trends of fraudulent activity.
• Forecast staffing needs and adjust fraud strategies based on feedback and data analysis.
• Define and establish policies and procedures for fraud review.
• Support fraud monitoring activity within core banking, payments, and digital banking platforms.
• Perform daily report review and decisioning of high-risk transactions including but not limited to Wires, ACH, Debit Card transactions and Checks.
• Process fraud claims related to Wires, ACH, Debit Card transactions, and other Reg E items.
• Process check claim affidavits, Bank to Bank claims including endorsements and warranty disputes.
• Process various legal processing items served on the Banc’s clients including levies, garnishments and subpoenas.
• Ensure compliance with all Banc policies and procedures, as well as applicable state and federal banking regulations.
• Review and report escheated items in accordance with state unclaimed property laws and requirements.
• Respond to internal and external auditor requests and ensure proper follow-up and remediation of any self-identified or audit findings related to Risk Operations.
• Performs additional duties as required.

Competencies: To perform the job successfully, an individual should demonstrate the following.

• Continuous Learning—Assesses own strengths and weaknesses. Pursues training and development opportunities. Seeks feedback to improve performance. Shares expertise with others. Strives to continuously build knowledge and skills.
• Customer Service—Displays courtesy and sensitivity. Manages difficult or emotional customer situations. Meets commitments. Responds promptly to customer needs. Solicits customer feedback to improve service.
• Planning & Organization—Integrates changes smoothly. Plans for additional resources. Prioritizes and plans work activities. Sets goals and objectives. Uses time efficiently. Works in an organized manner.
• Problem Solving—Develops alternative solutions. Gathers and analyzes information skillfully. Identifies problems in a timely manner. Resolves problems in early stages. Works well in group problem solving situations.
• Teamwork—Balances team and individual responsibilities. Contributes to building a positive team spirit. Exhibits objectivity and openness to others' views. Gives and welcomes feedback. Puts success of team above own interests.
• Use of Technology—Adapts to new technologies. Demonstrates required skills. Keeps technical skills up to date. Troubleshoots technological problems. Uses technology to increase productivity.

Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education/Experience: Associate's degree or equivalent from two-year college or technical school; or 5-7 years related experience and/or training; or equivalent combination of education and experience.

Language Ability: Read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals. Write routine reports and correspondence. Speak effectively before groups of customers or employees.

Mathematical Ability: Calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference and volume. Apply concepts of basic algebra and geometry.

Reasoning Ability: Apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Dealing with problems involving several concrete variables in standardized situations.

Computer Skills: To perform this job successfully, an individual should have knowledge of Microsoft Word, Excel, PowerPoint, Analytical System/Application Dashboards, etc.

Certificates and Licenses: N/A

Supervisory Responsibilities: N/A

Work Environment: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually moderate.

Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly required to sit. The employee is frequently required to use hands to finger, handle, or feel and talk or hear. The employee is occasionally required to stand and walk. The employee must be able to occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision.

Training: Must complete all required mandatory and regulatory training by assigned due date.

Bank Secrecy Act(BSA): Follow all policies and procedures of Bank Secrecy Act, (BSA) Anti-Money Laundering (AML) and Office of Foreign Asset Control (OFAC). Complete online compliance training as required.

The above job description is not intended to be an all-inclusive list of duties and standards of the position. Incumbents will follow any other instructions, and perform any other related duties, as assigned by their supervisor.

SALARY RANGE: $100,000 - $140,000 per year; Exact compensation may vary based on skills, experience, and location.