Associate Fraud Investigator

Pay Range: $22.61 - $30.15

Responsible for investigating external fraud investigations in the area of check fraud, identity theft, online fraud and cyber fraud as assigned by their Supervisor/Manager. Assists with duties and decisions relating to fraudulent applications, transactions, and customer fraud claims. Develops solutions to problems based on experience and existing precedents or procedures.

Education and Experience:

• Experience investigating various types of fraud at a financial institution preferred
• Bachelor's Degree in Economic/Financial Crime or Criminal Justice or equivalent work experience preferred

Skills and Abilities:

• Team player with strong organizational, communication, analytical and PC skills (especially Microsoft Excel)
• Ability to research/analyze data and recognize/evaluate patterns of customer activity.
• Aptitude to develop investigative skills with beginning understanding of types of fraud that can occur in a banking environment, but not limited to deposit fraud, internal fraud, card fraud, ACH & wire fraud, kiting and money laundering.
• Ability to present information and case details professionally and may need to communicate to Law Enforcement, Prosecutors, Officers of the Court and Adult Protective Services
• Ability to multi-task, working multiple inquiries/investigations simultaneously.
• Ability to communicate professionally with customers.

Tasks Performed:

• 40% - Researches and analyzes high risk transactions across all payment channels with a sense of urgency in a fast paced environment to identify possible cases of fraud. Conducts thorough research and analysis of fraudulent activity related to consumer and business accounts referred by other departments.
• 15% - Proactively review existing internal fraud monitoring reports to identify and mitigate fraud events such as counterfeit checks, mobile deposits, kiting, debit card fraud, elder fraud, etc.
• 10% - Maintain and update case management system for tracking of fraud cases and relevant information. Analyze the current performance of fraud alerting strategies; recommend new or additional actions for alerting strategies.
• 10% - Processes victim fraud claims including checks, forgeries, debit cards, ACH, wires, etc. and processes provisional credits on member fraud claims.
• 10% - Provides phone support to branches, call center and members on fraud related matters.
• 5% - Conducts risk/fraud/security related training and education and provides updates to the organization regarding current fraud trends/scams
• 5% - Contacts and effectively communicates with customers, banks, and Law Enforcement via multiple channels phone, email, etc. Assist with more standard phone calls.
• 5% - Other duties as assigned.

Physical Requirements:

• Communicate effectively with internal and/or external customers
• Stationary 75% of the time or greater
• Move objects up to a maximum of 10 lbs

Why Work at NBT

At NBT we empower people to grow, innovate, and thrive through meaningful work, a supportive culture and opportunities to make a real impact in your community – because your success drives our success. 

Wellbeing 

At NBT, we value and support your wellbeing by offering generous time-off policies, wellness initiatives and flexible work arrangements, so you can thrive both personally and professionally. 

Community Involvement 

NBT believes community involvement fosters our success and the success of those around us. Through volunteer service and charitable partnerships, we empower our employees to make a positive impact beyond the workplace. 

Culture 

NBT believes in creating a workplace where every voice matters and every team member feels empowered to contribute. With supportive leadership, we foster an environment where employees are connected, inspired, and valued. 

Career Development 

Whether you’re just starting your career or serve in a senior leadership role, your growth and development are our priority. NBT provides a wide variety of development programs and tools for you to reach your full potential. 

Total Rewards 

NBT recognizes and rewards your contributions with competitive compensation, comprehensive benefits and performance-based incentives – ensuring you feel valued every step of the way.   

Business Stability 

NBT has built a reputation as a stable financial institution by growing our people and our business, evolving our processes and managing risk. We've weathered the market's ups and downs for over 165 years, all while charting a well-defined growth plan. 

Benefits for Full-Time Employees: 

• Generous Paid Time Off: At least 22 days annually, prorated in the year of hire. 

• Parental Leave: Six weeks of paid leave at 100% of your salary. 

• Comprehensive Medical Coverage: Includes employer contributions to HSA for High Deductible Health Plan participants. 

• Dental and Vision Coverage: Ensuring your overall health and well-being. 

• Flexible Spending Accounts: For healthcare and dependent care expenses. 

• Employer-Paid Disability Coverage: Both short-term and long-term, with an option to purchase additional long-term coverage. 

• Life Insurance: Employer-paid basic life insurance, with an option to purchase supplemental coverage. 

• Voluntary Benefits: Including hospital, accident, and critical illness coverage. 

• Retirement Plans: Benefit from a 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan to help secure your future.

• Adoption Assistance: Supporting your growing family. 

• Tuition Reimbursement: Invest in your education and career growth. 

• Employee Assistance Program (EAP): Access to support and resources. 

• Pet Insurance: For all your furry friends.

• Financial and Banking Services: Various banking services benefits and financial planning assistance. 

Benefits for Part-Time Employees Working 20+ Hours/Week: 

• Medical Coverage: Includes employer contributions to HSA for High Deductible Health Plan participants. 

• Dental and Vision Coverage: Ensuring your overall health and well-being.

• Voluntary Benefits: Including hospital, accident, and critical illness coverage.

• Generous Parental Leave: Six weeks of paid leave at 100% of your salary. 

Benefits for All Part-Time Employees: 

• Retirement Plans: Benefit from a 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan for employees who work at least 1,000 hours in a calendar year, all designed to help secure your future

• Paid Sick and Safe Leave: For your health and safety. 

• Employee Assistance Program (EAP): Access to support and resources. 

• Financial and Banking Services: Various banking services benefits and financial planning assistance.

Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or assume sponsorship of an employment Visa at this time.