Digital Banking Fraud Analyst (in-office) - Midvale, UT

Zions Bancorporation is one of the nation’s premier financial services companies operating as a collection of great banks under local brands and management teams in high-growth western markets. Our customers consistently vote us as the best bank in our local markets. We value our employees and are committed to recognizing and creating fulfilling opportunities within our organization.

About the role

This position is in-office in Midvale, UT. The schedule will be Monday-Friday 9:00 am-6:00 pm MDT.

Responsibilities

• Monitor and review the fraud risk, unique or highly complex exceptions generated from various fraud prevention systems, filters, and exception files.
• Identify, prevent, and mitigate digital banking, mobile, electronic, and/or ACH banking fraud losses.
• Conduct research and analysis, prepare management reports, and make recommendations to senior officers.
• Work through high volumes of potential alerts to confirm limited actual fraud events.
• Research digital banking access logs to identify unauthorized access and/or transactions.
• Assist digital banking customers with malware infected computers or other access devices.
• Handle inbound and outbound fraud and malware related calls with customers and other financial institutions.
• Support the implementation and daily operations of Zelle, ensuring smooth workflows, monitoring transactions, and maintaining compliance with network rules and regulations.
• Monitor Zelle transactions, review tokens, fraud, and disputes.
• Track fraud trends, disputes, and complaints.
• Maintain documentation for procedures, fraud response, and dispute resolution.
• Support fraud investigations and audit requests.
• Provide research and analysis for Zelle-related projects.
• Perform other duties as assigned.

Requirements

• Bachelor's degree in a related field and 2+ years of financial services experience with fraud and/or information security processes and procedures, preferably in an online banking fraud prevention, detection, and mitigation area. A combination of education and experience may meet requirements.
• Working knowledge of loss and fraud detection/prevention principles, compliance and regulatory issues related to the department and/or company.
• Working knowledge of fraud and digital banking systems and detection tools.
• Zelle-related experience.
• Strong communication skills both written and verbal.
• Skills to conduct client phone interviews to identify fraud/scams.
• Knowledge and experience with root cause analysis.
• Solid analytical, interpretive, and problem-solving skills.
• Ability to participate in process improvement idea generation.
• Proficiency in using various software applications.
• Ability to work under tight deadlines to mitigate loss.

Benefits

• Medical, Dental, and Vision Insurance starting on day one.
• Life and Disability Insurance, Paid Parental Leave, and Adoption Assistance.
• Health Savings (HSA), Flexible Spending (FSA), and dependent care accounts.
• Paid Training, Paid Time Off (PTO), and 11 Paid Federal Holidays (plus any applicable state holidays).
• 401(k) plan with company match and Profit Sharing.
• Competitive compensation in line with work experience.
• Mental health benefits including coaching and therapy sessions.
• Tuition Reimbursement for qualifying employees enrolled in an accredited degree program related to the needs of the business, up to $5,250 per calendar year (eligible upon hire).
• Employee Ambassador preferred banking products.

Pay

$23.00-$28.00 per hour, depending on experience.

Schedule

Monday-Friday, 9:00 am-6:00 pm MDT.