Job Description

1. Reviews all identified reports and supporting materials for each charter to detect and identify possible illegal or fraudulent activity involving customer accounts, employee conduct, or other business transactions that may adversely affect the bank(s). Reports will cover such areas as kiting, large dollar suspicious transactions, ATM activity, CAMS Debit and Credit Card Alerts, and new customer accounts. Will use Enfact and other detection software as needed.
2. Investigates and takes appropriate action such as recommending and working with retail staff to place holds or close accounts when fraudulent activity is detected. Will work with Senior and branch Management, law enforcement and/or other governmental units, and obtain information from employees, customers, or designated bank charter contacts. Will work with Operations Center or Audit Department personnel to analyze and document financial malfeasance or fraudulent activity. 
3. Provide guidance, direction, and training on fraud detection and prevention to employees of all charters. Develops and recommends policy or procedure changes to address fraud risk. Identifies current fraud and security issues and trends that could impact company and presents appropriate employee training programs.  Regularly communicates information via bulletins, PinnPress or other update media on fraud prevention.  Provides guidance to employees as to potential fraud involved with electronic banking or other transactions such as forged or counterfeit checks.
4. Supervise and train Fraud Department Investigators. Responsible for annual employee evaluations and salary recommendations. 
5. Develops and recommends policy or procedure changes to address fraud risk and presents appropriate employee training programs within the Fraud Department. Develop and provide Fraud training for all charter employees.
6. Manage investigative process from initial detection to potential Suspicious Activity Report (SAR) filing, offering guidance, direction and training on the process and procedures to investigators. 
7. Assist Corporate Fraud Officer in evaluating, writing and communicating potential updates and changes to the internal Fraud Department investigative policies and procedures. Back up Corporate Fraud Officer in preparing Fraud Reports for Senior Management and the Board of Directors.
8. Maintains comprehensive knowledge of the Bank Protection Act and its implementing regulations, FDIC/CFPB regulations, Bank Bribery Act, Bank Secrecy Act, OFAC, UDAAP and UCC. Monitors industry communications for methodology to reduce bank’s fraud risk. Attends training to stay abreast of fraud issues. Participates in local (FISA) and state (ACFE) security and fraud trade organizations. Completes assigned internal training classes and provides input on content and direction for corporate fraud training. 
9. Develops a network of industry professionals including law enforcement to help identify common fraud trends and assist in investigating cases. 
10. Assists Fraud Officer in administering corporate Identity Theft/Red Flags awareness and prevention program designed to protect the bank and customers from the implications of identity theft. Maintains Corporate Fraud Manual as a resource for all employees. Issues updates and revisions as necessary. Serves as resource for Charter Security Officers on fraud issues. 
11. Assists branches in filing local law enforcement reports. Prepares agenda items and serves on SAR Committee.  Maintains records of investigations and filed SARs and provides SAR and fraud data for Board reports. Provides input from fraud perspective on annual risk analysis. 
12. Provides support to Operations Center employees on issues arising from customer information requests such as subpoenas or search warrants. Maintains knowledge of the Pinnacle Employee Code of Ethics.
13. Provides input and direction from Fraud Department to management and employees in absence of Fraud Officer.
14. Other duties as assigned by management.
15. Regular and reliable attendance.

• Regular and reliable attendance
• Knowledge of bank fraud and bank operations.
• Skill in excellent verbal and written communication.
• Skills in Computer proficiency and general word processing.  
• Skills in problem solving and ability to organize and handle multiple tasks at same time.
• Ability to work with all levels of bank management.  
• Ability to maintain confidentiality at the highest level. 
• Ability to recognize the sense of urgency needed for most projects the incumbent will face. 

• College degree with emphasis on business, criminal justice, or law enforcement preferred.
• Minimum 5 years' experience in banking environment.