Fraud and BSA Analyst

Description

Are you passionate about protecting customers and ensuring regulatory compliance in the banking industry? We are seeking a diligent and detail-oriented Fraud and BSA Analyst to join our team in a relationship-driven community banking environment. In this vital role, you will monitor and investigate transactions across multiple payment channels to help prevent fraud and support our Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) initiatives. If you thrive in a fast-paced environment, enjoy problem-solving, and are committed to safeguarding both the bank and our customers, we invite you to apply and make a meaningful impact on our organization.

We are currently seeking qualified applicants to join our team as a Fraud and BSA Analyst at our Wolfforth Banking Center in Wolfforth, TX.

Key Responsibilities

Fraud & Financial Crimes – Monitor and investigate fraud involving debit cards, ACH, wires, checks, and online banking while working closely with branch staff and customers to resolve fraud incidents professionally and efficiently. Help identify fraud trends impacting the local customer base and recommend mitigation strategies.

Dispute Handling - Investigate and resolve customer disputes from intake to final resolution related to fraudulent and non-fraudulent transactions (debit card, credit card, ACH, checks, and electronic payments) in accordance with Reg E, NACHA, Mastercard network rules, and internal procedures. Prepare and submit the required notification documentation within the required timelines.

BSA / AML Compliance -Assist the BSA Manager in reviewing alerts for suspicious activity and escalating matters that may require additional investigation. Assist in the preparation of CTR’s, CDD, and EDD questionnaire reviews in accordance with regulatory requirements. Help maintain and update fraud and BSA policies and procedures.

Continuous Improvement: Recommend improvements to the analysis of and response to Fraud and BSA/AML alerts that arise from the daily reviews.

About Us:

At ABC Bank, we are committed to Growing Relationships, Simplifying the Process, and Doing the Right Thing in everything we do.

We believe that building strong, long-term relationships with our customers, employees, and community is at the heart of every success. Our approach is centered around understanding the unique needs of those we serve, fostering trust, and providing personalized solutions. By focusing on the human side of business, we create connections that last and continue Growing Relationships.

We also understand that navigating the world of finance can be a complex process. That’s why we are dedicated to Simplifying the Process for our customers. We aim to make every interaction clear and straightforward, breaking down barriers and making financial decisions easier to understand and execute.

At the core of our company is a commitment to Doing the Right Thing—always. Whether it's in our relationships with customers, the services we provide, or the decisions we make, we prioritize integrity and ethical practices. We hold ourselves to the highest standards, ensuring that every choice we make reflects our values and the trust our customers place in us.

Join us and be part of a team that is driven by these values—where growth, simplicity, and integrity define our path forward.

Why Join Us?

• A dynamic and supportive team environment
• Opportunities for growth and career development
• Competitive compensation and benefits package

Requirements

Other Duties:

• Perform other duties as assigned by management/supervisor.
• Comply with all federal, state, and company policies, procedures, laws, and regulations.
• Adhere to all relevant security responsibilities as outlined in the Bank’s Information Security Program and Written Security Program.
• Support internal and external audits, regulatory exams, and management reporting as needed.
• Communicate professionally with customers, internal teams, vendors, and card networks regarding dispute status and outcomes.

Qualifications & Skills:

• High school diploma or equivalent required; associate or bachelor’s degree in business, finance, or a related field preferred.
• 1–3 years of experience in banking operations, fraud investigation, dispute resolution, banking operations, or payments processing.
• Working knowledge of electronic payment systems, card networks, and dispute workflows.
• Familiarity with applicable regulations (e.g., Regulation E, Regulation Z)
• Strong analytical, problem-solving, and decision-making skills.
• Excellent written and verbal communication skills.
• High attention to detail and the ability to manage multiple cases and deadlines.
• Proficiency in core banking systems, dispute platforms, and Microsoft Office (Excel, Word, Outlook).

Benefits:

We offer a competitive salary and excellent benefit packages. Benefits vary based on employment status and position but can include:

• Medical, Dental, Vision, Telemedicine
• Paid Time off, Paid Volunteer Time, and Paid Holidays
• Flexible Spending Account, Dependent Care FSA
• Basic Life and AD&D Insurance, Voluntary Life and AD&D
• Long-Term Disability
• 401k and Employee Stock Ownership (KSOP) Retirement Plan
• Recruiting Referral Bonus
• Lifestyle Spending Account Program

If you are eager to make a difference and contribute to the financial success of others, we encourage you to apply and be a part of our ABC Bank Family!

EEO/AA/Background Disclaimer:

If you are unable to submit your application electronically, you may contact the Human Resources Department at 806-775-5000 so that we may assist you. Our Company assures that all applicants for employment and all of its employees are given equal consideration based solely on job-related factors, such as qualifications, performance, and availability. Such equal consideration applies to all personnel actions, including, but not limited to, recruitment, selection, appointment, job assignment, training, promotion, merit increases, demotion, termination, pay rates, and fringe benefits.

The company commits to a rigorous and planned effort to encourage men and women of every race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, veteran status, or any other non-job-related characteristic to find happy, vital, and productive job fulfillment at all levels of our company.

Qualified applicants will be required to have a drug screen in addition to background, credit, and reference checks.