Fraud Analyst II

 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 - 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 plays a key role in supporting the bank’s fraud monitoring program, assisting with its implementation and ongoing management. This position involves conducting quality control reviews and monitoring activities related to deposit account fraud, including ACH, wire transfers, debit card, online banking, and check fraud incidents. The Fraud Analyst stays up-to-date with industry standards and regulatory guidelines, ensuring compliance with rules and regulations, OFAC, and Customer Identification programs to effectively support the bank’s daily fraud monitoring, mitigation, and recovery efforts.

Essential Duties: 

• Demonstrates proficiency in fraud monitoring and case management.
• Trains and mentors Fraud Analyst I team members.
• Maintains a proficient knowledge of the current BSA and all related anti-money laundering and OFAC regulations. 
• Maintains proficient knowledge of all federal and state laws and regulations. 
• Maintains a working knowledge of the bank’s policies and procedures. 
• Assists COO in management of fraud incident case management. 
• Monitors Fraud software daily alerts, trends and potential unusual or suspicious activity. 
• Identifies and implements changes related to fraud monitoring systems, processes, and alerts. 
• 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 assistance to bank staff with Fraud-related inquiries and research.
• Assists with special projects and additional duties as assigned.
• Demonstrates knowledge of and adherence to EEO policy; shows respect and sensitivity for cultural differences; educates others on the value of diversity; promotes working environment free of harassment of any type; builds a diverse workforce and supports affirmative action. 
• Assures compliance with all Bank policies, procedures and processes, and all applicable state and federal banking laws, rules, and regulations, and adheres to Bank Secrecy Act (BSA) responsibilities that are specific to the position.
• Follows policies and procedures; completes administrative tasks correctly and on time, including mandatory Bank Compliance Training; supports the Bank’s goals and values; benefits the bank through outside activities.
• Treats people with respect; keeps commitments; inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions.

• Bachelor’s degree from an accredited college or university preferred.
• A minimum of 3 years of banking experience in operational risk management and/or compliance is required.
• In-depth knowledge of BSA/AML/CFT/Fraud monitoring software.
• Strong organizational, time management, writing, and interpersonal skills.
• Proven ability to manage multiple fraud-related tasks simultaneously.
• Exceptional attention to detail and strong analytical skills.