Lead and expand the Bank’s initiatives to detect, investigate and prevent fraudulent activity. Focus on building scalable fraud detection capabilities, enhancing controls and refining the investigations process to protect the Bank and its clients from financial loss. Continually drive strategic improvements to fraud systems, policies and analytics, ensuring readiness for increased transaction volumes and digital engagement. Oversee client communications during fraud incidents and collaborates closely with internal teams and external partners to align fraud strategies with regulatory expectations and business goals

• Oversee transaction monitoring to detect unusual patterns across consumer and business accounts, debit cards, online banking, and mobile banking platforms, initiating investigations as needed.
• Evaluate fraud risks across products, services, and channels, and implement controls to reduce exposure to financial loss.
• Design and maintain fraud prevention policies, procedures, and response strategies aligned with regulatory requirements and industry best practices.
• Manage outreach to affected clients during fraud investigations, ensuring timely communication, clear guidance, and resolution of claims with minimal disruption to the client experience.
• Lead fraud awareness initiatives for frontline staff and clients, promoting vigilance and proactive fraud prevention behaviors.
• Oversee the preparation of Suspicious Activity Reports (“SARs”) related to fraud incidents in compliance with applicable laws and guidelines.
• Work closely with compliance, legal, operations, security, and law enforcement agencies, and prepare detailed reports for senior management, the Bank’s Board of Directors, and regulators.
• Leverage fraud detection systems and data analytics tools to enhance monitoring capabilities and stay ahead of emerging fraud trends.
• Build a team of Fraud Analysts.

• High school diploma or equivalent required; bachelor's degree in related field strongly preferred.
• Minimum 7 years of relevant banking fraud investigations experience required.
• Strong analytical and investigative skills.
• MS Office proficiency required.
• Verafin and Fiserv core systems experience preferred.
• Excellent written and verbal communication skills.

WORKING CONDITIONS:

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. Regular attendance and punctuality are essential functions of every job. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform essential functions.

Perform routine and typical tasks of an office such as typing, taking notes, reading/reviewing, computer work, filing, copying, answering phones, etc. that may require employee to view, stand, stoop, kneel, or crouch and lift. Position requires flexibility and willingness to occasionally travel to other locations/ branches for training and attending meetings.

The successful candidate will be required to prove on the first day of work that they are legally authorized to work in the U.S. The Bank will not sponsor a candidate for a visa or for work authorization

COMPENSATION:  $125,000 to $165,000 annually.