Senior Fraud Analyst presso TIB

At TIB, we are committed to serving as Trusted Partners for community banks and our employees. We take great care to maintain a commitment to excellence and personalized service. We are dedicated to providing a diverse work environment that fosters inclusivity and growth. We offer a best-in-class benefits package that includes comprehensive health, life, and disability coverage, 401(k) retirement savings, generous paid time off, parental leave, tuition reimbursement, and other little extras to make work fun. If this aligns with your values and you want to join a leader in the banking industry, we are hiring for a Senior Fraud Analyst that will play a key role in supporting and leading the daily operations of the Security and Fraud Department. This position is responsible for monitoring and analyzing fraud trends, managing chargeback processes, conducting investigations, preparing regulatory reports, and ensuring compliance with applicable bank and card network regulations. The Senior Fraud Analyst contributes to minimizing fraud exposure, optimizing detection systems, and coordinating fraud prevention strategies across the organization.

MAJOR DUTIES/ACCOUNTABILITIES

Fraud Detection & Analysis

• Analyzes fraud trends to identify emerging patterns and develops prevention strategies.

• Reviews daily Falcon and other fraud detection reports, contacting cardholders to verify suspicious activity.

• Adjusts system parameters and performs updates to reduce exposure.

• Stays current on industry fraud trends through professional development, webinars, and external resources.

Case Investigation & Management

• Manages and investigates fraud cases to ensure timely and accurate resolution.

• Processes VISA and MasterCard chargebacks in accordance with all regulations.

• Partners with financial institutions to maximize recovery opportunities.

• Prepares and submits Suspicious Activity Reports (SARs), Identity Theft Red Flag reports, and related compliance documentation.

• Coordinates with law enforcement and merchants on fraud recovery efforts.

Regulatory Compliance

• Ensures adherence to the Bank Secrecy Act, OFAC, FinCEN, Beneficial Ownership, and other applicable regulations.

• Manages SAFE Online, FAR queues, and CAMS processes to ensure proper handling of flagged accounts.

• Prepares and maintains required reports and filings related to regulatory fraud compliance.

Operational Support

• Oversees departmental mailboxes, work queues, and daily operational processes, including lost/stolen cards and suspicious account activity.

• Processes and securely destroys returned cards per policy.

• Generates ad hoc reports in response to subpoenas, legal requests, and management needs.

• Supports the onboarding and ongoing training of department personnel.

• Identifies process improvements and recommends strategic enhancements.

Customer & Partner Communication

• Communicates professionally with customers regarding potential fraud activity and case outcomes.

• Supports Customer Service teams with fraud-related inquiries.

• Maintains clear and accurate communication with internal and external stakeholders.

Reporting & Administration

• Prepares and reviews daily, monthly, and quarterly fraud and security reports.

• Monitors charge-off processes and ensures recovery efforts are completed within deadlines.

• Supports conversions and deconversions of client banks, ensuring seamless fraud case transitions.

Confidentiality & Compliance

• Maintains strict confidentiality of all bank and customer information.

• Adheres to federal and state banking laws, VISA/MasterCard regulations, and internal policies.

REQUIREMENTS/DESIRED QUALIFICATIONS

Required 

• High school diploma or equivalent 

• 3–5 years’ experience in bankcard operations, fraud prevention, or chargeback analysis

• Strong knowledge of VISA and MasterCard chargeback regulations

• Excellent analytical, problem-solving, and decision-making skills

• Strong attention to detail and ability to manage multiple priorities under tight deadlines

• Exceptional verbal and written communication skills

• Proficiency in Microsoft Office Suite (Word, Excel, Outlook)

• Experience with FDR, Falcon, or similar fraud management systems

• Strong interpersonal and teamwork abilities

Preferred 

• Bachelor’s degree

• Experience with First Track, Falcon, Defense Edge or comparable fraud monitoring tools

• Professional certification or training in fraud prevention or risk management

The Major Duties/Accountabilities listed above are only a summary of the typical functions of this job, not an exhaustive or comprehensive list of all possible job responsibilities, tasks, and duties. Management may elect to assign other responsibilities, tasks, and duties associated with this position. TIB requires a comprehensive background investigation, including criminal and credit history.