Wescom
Sr Member Account Protection Analyst (Anaheim, CA)
Wescom, Anaheim, California, United States, 92808
Current Wescom Employees:
Please visit the Career Center in Workday to search and apply for a current job opening.We value and rely on the unique talents and contributions of our employees to absolutely excel in member engagement by Delivering Signature Experience.Salary Grade:
155NSalary Pay Range for This Position:
$28.13 - $40.82POSITION SUMMARY:
Through the use of various sources, including but not limited to fraud-detection software, internally created reports, internal and external referrals, and anti-fraud collaborative groups, the Sr. Member Account Protection Analyst (Sr. MAPA) is responsible for analyzing fraud risks and trends across the organization. The Sr. MAPA will manage daily tasks to ensure all regulatory expectations are met and fraud losses are minimized to the reasonable possible extent from the start of the fraud to the end, including dispute resolution. Upon identification of suspicious or fraudulent activity, appropriate mitigations will be implemented to include account holds, reimbursement, restrictions, or closure. Will act as a subject matter expert (SME) for analyst processes and participate in department initiatives and projects as required.ESSENTIAL POSITION FUNCTIONS:
Review and analyze fraud alerts and account activity for unusual or suspected fraudulent activity that derive from the organization’s alert detections systems and processes.Review and analyze transactions data for potential suspicious activity, including those generated from various detection systems and processes.Perform real-time/near real-time card monitoring utilizing multiple systems/applications, exercising judgment and decision, to prevent and detect fraud usage of ATM/Debit/Credit Cards. Close cards and order replacements as necessary.Regularly communicate with external and internal clients. Respond to calls from customers to explain fraud related services, procedures, and policies.Support Reg. E/Credit card claim process by entering claim details into database and crediting as necessary.Conduct review on suspicious activity and determine risk based on individual behavior, and making a determination to allow or disallow payments.Conduct due diligence, evaluate the circumstances, and recommend appropriate risk-based actions for any cases of potential fraud; escalate as necessary.Collaborate with personnel from other departments when conducting investigations, as appropriate.Communicate with MAP management when internal control deficiencies are identified during the account monitoring/investigative processes.Collaborate with MAP staff and other departments as required to implement deficiency controls and mitigations.Create and develop internal reporting for trend mitigation, as needed.Stay informed about changes in regulations, policies, and procedures related to ATMs, IVRs and PIN-based card activities and ATM/Debit/Credit cards.Maintain knowledge of the bank’s products, services, customers and geographic locations, and the potential fraud risks associated with those activities.Maintain proficiency in all aspects of BSA/AML compliance.Handle complex fraud analyses and cases.Participate in department initiatives and projects.Assist with the creation and implementation of department specific procedures.Mentor and train Analysts I and II, as necessary, and review escalated cases, disputes, frauds, etc. to determine next steps.OTHER POSITION RESPONSIBILITIES:
Keep a working knowledge of all areas of the Member Account Protection Department.Other duties as assigned by the needs of the business.EDUCATION, EXPERIENCE, SKILLS AND ABILITIES:
High School Diploma Or Equivalent Experience Required.Previous financial industry and customer service experience preferred.Ability to learn and use a variety of systems and technology.Two years as Member Account Protection Analyst II or 2-3 years financial services or Accounting experience.Previous experience in fraud detection, regulation E claims, or analytics.Ability to demonstrate excellent member service skills, problem solving skills, follow-up skills, communication skills (both written and verbal), and ability to work independently.Accounting Skills: Ability to reconcile general ledgers and basic accounting standards.COMPUTER SKILLS:
Proficient in Microsoft Applications (Word, Excel, PowerPoint, Outlook).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. While performing the duties of this job, the employee is frequently required to stand; walk; sit; use hands to finger, handle or feel; reach with hands and arms, climb or balance, stoop kneel, crouch, crawl; talk or hear and taste or smell. The employee must occasionally lift and/or move up to 10 pounds. Vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception and ability to adjust focus.WORK ENVIRONMENT:
This position may qualify as Hybrid with a home base at one of Wescom’s offices. The Hybrid status may be discontinued by Wescom in its sole discretion at any time and for any reason or no reason, with or without notice by Wescom or Employee. The work environment characteristics described here are representative of those an employee encounters while performing functions of this job. The noise level in the work environment is moderately quiet. It is a non-smoking environment.The above job requirements are representative of minimum levels of knowledge, skills, and abilities. The marginal functions have not been included. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.This job description in no way implies that these are the only duties to be performed. An employee will be required to follow any other job-related instructions and duties as requested by the supervisor and/or management.If you are applying for a Hybrid/Remote position, please note applicants are required to reside within our Wescom service areas which are defined as the following counties: Los Angeles, Orange, San Bernardino, Riverside, Ventura, Santa Barbara, San Diego, Imperial, Fresno, Kern, Kings, Madera, Merced, Mariposa, Monterey, San Benito, San Joaquin, San Luis Obispo, Santa Cruz, Stanislaus and Tulare counties.
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Please visit the Career Center in Workday to search and apply for a current job opening.We value and rely on the unique talents and contributions of our employees to absolutely excel in member engagement by Delivering Signature Experience.Salary Grade:
155NSalary Pay Range for This Position:
$28.13 - $40.82POSITION SUMMARY:
Through the use of various sources, including but not limited to fraud-detection software, internally created reports, internal and external referrals, and anti-fraud collaborative groups, the Sr. Member Account Protection Analyst (Sr. MAPA) is responsible for analyzing fraud risks and trends across the organization. The Sr. MAPA will manage daily tasks to ensure all regulatory expectations are met and fraud losses are minimized to the reasonable possible extent from the start of the fraud to the end, including dispute resolution. Upon identification of suspicious or fraudulent activity, appropriate mitigations will be implemented to include account holds, reimbursement, restrictions, or closure. Will act as a subject matter expert (SME) for analyst processes and participate in department initiatives and projects as required.ESSENTIAL POSITION FUNCTIONS:
Review and analyze fraud alerts and account activity for unusual or suspected fraudulent activity that derive from the organization’s alert detections systems and processes.Review and analyze transactions data for potential suspicious activity, including those generated from various detection systems and processes.Perform real-time/near real-time card monitoring utilizing multiple systems/applications, exercising judgment and decision, to prevent and detect fraud usage of ATM/Debit/Credit Cards. Close cards and order replacements as necessary.Regularly communicate with external and internal clients. Respond to calls from customers to explain fraud related services, procedures, and policies.Support Reg. E/Credit card claim process by entering claim details into database and crediting as necessary.Conduct review on suspicious activity and determine risk based on individual behavior, and making a determination to allow or disallow payments.Conduct due diligence, evaluate the circumstances, and recommend appropriate risk-based actions for any cases of potential fraud; escalate as necessary.Collaborate with personnel from other departments when conducting investigations, as appropriate.Communicate with MAP management when internal control deficiencies are identified during the account monitoring/investigative processes.Collaborate with MAP staff and other departments as required to implement deficiency controls and mitigations.Create and develop internal reporting for trend mitigation, as needed.Stay informed about changes in regulations, policies, and procedures related to ATMs, IVRs and PIN-based card activities and ATM/Debit/Credit cards.Maintain knowledge of the bank’s products, services, customers and geographic locations, and the potential fraud risks associated with those activities.Maintain proficiency in all aspects of BSA/AML compliance.Handle complex fraud analyses and cases.Participate in department initiatives and projects.Assist with the creation and implementation of department specific procedures.Mentor and train Analysts I and II, as necessary, and review escalated cases, disputes, frauds, etc. to determine next steps.OTHER POSITION RESPONSIBILITIES:
Keep a working knowledge of all areas of the Member Account Protection Department.Other duties as assigned by the needs of the business.EDUCATION, EXPERIENCE, SKILLS AND ABILITIES:
High School Diploma Or Equivalent Experience Required.Previous financial industry and customer service experience preferred.Ability to learn and use a variety of systems and technology.Two years as Member Account Protection Analyst II or 2-3 years financial services or Accounting experience.Previous experience in fraud detection, regulation E claims, or analytics.Ability to demonstrate excellent member service skills, problem solving skills, follow-up skills, communication skills (both written and verbal), and ability to work independently.Accounting Skills: Ability to reconcile general ledgers and basic accounting standards.COMPUTER SKILLS:
Proficient in Microsoft Applications (Word, Excel, PowerPoint, Outlook).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. While performing the duties of this job, the employee is frequently required to stand; walk; sit; use hands to finger, handle or feel; reach with hands and arms, climb or balance, stoop kneel, crouch, crawl; talk or hear and taste or smell. The employee must occasionally lift and/or move up to 10 pounds. Vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception and ability to adjust focus.WORK ENVIRONMENT:
This position may qualify as Hybrid with a home base at one of Wescom’s offices. The Hybrid status may be discontinued by Wescom in its sole discretion at any time and for any reason or no reason, with or without notice by Wescom or Employee. The work environment characteristics described here are representative of those an employee encounters while performing functions of this job. The noise level in the work environment is moderately quiet. It is a non-smoking environment.The above job requirements are representative of minimum levels of knowledge, skills, and abilities. The marginal functions have not been included. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.This job description in no way implies that these are the only duties to be performed. An employee will be required to follow any other job-related instructions and duties as requested by the supervisor and/or management.If you are applying for a Hybrid/Remote position, please note applicants are required to reside within our Wescom service areas which are defined as the following counties: Los Angeles, Orange, San Bernardino, Riverside, Ventura, Santa Barbara, San Diego, Imperial, Fresno, Kern, Kings, Madera, Merced, Mariposa, Monterey, San Benito, San Joaquin, San Luis Obispo, Santa Cruz, Stanislaus and Tulare counties.
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