Digital Banking & Payments Fraud Analyst

We need to output HTML fragment with sections: h3 headings for sections present. We need to preserve all substantive info. Remove boilerplate like EEO, etc. Also remove Job ID etc. Not include Pay/Schedule/Benefits unless present. The posting does not mention pay, schedule, benefits explicitly. So we should not include those sections. We need sections: About the role (Job Overview), Responsibilities (Major Tasks...), Requirements (Qualifications and Competencies), maybe Skills (Competencies list). But we need to follow rule: use h3 for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule). We should include sections only if posting has real specific content. We have Job Overview paragraph. That's About the role. Major Tasks, Responsibilities and Key Accountabilities: that's Responsibilities. QUALIFICATIONS and COMPETENCIES: includes EDUCATION and EXPERIENCE and COMPETENCIES and OTHER (PHYSICAL, MENTAL, AND VISUAL SKILLS) and Cultural Values & Expectations, Environmental Job Requirements. We need to decide how to split. We could have sections: Requirements (education/experience), Skills (competencies), Other Requirements (physical, mental, visual skills) maybe not needed? But we should preserve all substantive info. Could combine into Requirements and Skills. Better: Use Requirements for education/experience and maybe other qualifications. Use Skills for competencies list. Could also include a section for "Other Requirements" but not in list of allowed headings? The allowed headings list includes About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. Qualifications is similar to Requirements. We can choose either. Probably use Requirements for education/experience and Qualifications for competencies? But they said use h3 for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule). So we can include multiple of those. We need to avoid filler. So we will include:

About the role

with the Job Overview paragraph.

Responsibilities

with the Major Tasks... content, maybe broken into

• for each bullet? The content is paragraphs with colon headings. We could convert each major task into
• . But we need to preserve all substantive info; we can keep paragraphs but also use lists for duties. The rule: Use
  • for any list of duties/requirements/benefits. So we should turn the enumerated duties into list items. We have sections: Fraud Detection and Prevention, Incident Response, Fraud Monitoring, Process digital services enrollment and updates, Process Business Services, Product and Feature Deployment, Cross-Department Process Optimization, Strategy Implementation, Collaboration, Compliance and Reporting, Member Service. We can make each as
  • with the description. Similarly for Qualifications: Education and Experience, Competencies, Other (Physical, Mental, Visual Skills), Cultural Values & Expectations, Environmental Job Requirements. We could split into Requirements (education/experience) and Skills (competencies) and maybe Other Requirements? But we have allowed headings: Requirements, Qualifications, Skills. We could use Requirements for education/experience, Qualifications for other (physical, mental, visual skills, cultural values, environmental), Skills for competencies list. But we need to preserve all info. Let's decide: -

    Requirements

    : Education and Experience (Associate’s degree..., Minimum 2 years..., Experience..., Demonstrated..., Must be at least 18..., Pass pre-employment credit and background screening.) -

    Skills

    : Competencies list (Strong understanding..., Ability to clearly explain..., Maintain up to date awareness..., Multitasking and Prioritization..., Technical Knowledge..., Written Communication..., Analytical Skills..., Problem-Solving..., Attention to Detail..., Collaboration..., Member Service..., Regulatory Knowledge..., Adaptability..., Confidentiality..., Proactive Approach...). Could be list. -

    Qualifications

    : Other (Physical, Mental, and Visual Skills), Cultural Values & Expectations, Environmental Job Requirements. Could be combined into a section with paragraphs and maybe subheadings? But we cannot add extra headings beyond allowed? We could just put paragraphs. But the rule: Use

    for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule). It doesn't forbid other headings, but says use h3 for section headings (e.g. those). Likely they expect only those headings. Safer to stick to those. Thus we will have sections: About the role, Responsibilities, Requirements, Skills. Possibly also Qualifications if we need to include other info not covered. But we can fit other info into Requirements or Skills. Let's try to incorporate all: Requirements: education/experience + physical/mental/visual + cultural values + environmental? Might be too much but okay. Skills: competencies list. We need to ensure we don't lose any info. Let's extract details: Job Overview paragraph: "The Digital Banking & Payments Fraud Specialist is responsible for monitoring and mitigating fraud risks and losses related to digital banking and payment systems activity along with supporting our digital banking platform by focusing on maintaining and enhancing the platform. The ideal candidate will play a key role in collaborating with cross-functional teams to ensure the secure and compliant operation of our digital banking platform. They will be responsible for monitoring transactions to detect fraud patterns, implementing effective fraud prevention strategies, and responding to fraud incidents to minimize losses and protect our members. This position also involves providing exceptional member service, troubleshooting digital banking issues, and resolving fraud claims efficiently." That's About the role. Responsibilities: list each major task. Let's extract each: - Fraud Detection and Prevention: Monitor digital banking and account transactions to identify and analyze fraud patterns. Implement strategies to prevent fraud and mitigate risks. Responsible for reviewing chargeback cases and resolution. Review daily reports. - Incident Response: Respond promptly to fraud incidents, conduct thorough investigations and take necessary actions to minimize losses and protect members. Escalate scams and fraud to the BSA and Fraud Officer as necessary. - Fraud Monitoring: Oversee all fraud alerts and cases from notification to resolution or escalation, ensuring timely and effective handling of the fraud cases. Serve as an internal subject matter expert on digital banking and payment systems, including online banking, mobile banking, remote deposit, P2P payments, and emerging payment technologies. Process digital services enrollment and updates - Process Business Services: Grow and retain business relationships through Cash Management options Set up new Businesses with ACH Origination and Remote Deposit Capture Perform annual business review and questionnaire - Product and Feature Deployment: Collaborate with cross-functional internal teams and external vendors or partners to support the deployment of new and existing digital banking products and features, ensuring they are secure, compliant, and a seamless experience for users. Participate in new product roll out or enhancements to existing services (i.e. Zelle, FedNow, AI…) Partner with internal departments to drive adoption, education, and effective utilization of digital and payment system products and services. - Cross-Department Process Optimization: Collaborate with internal departments to streamline payment-related workflows, enhance operational efficiency, and improve end-to-end processes within digital banking and payment channels. - Strategy Implementation: Assist in developing and implementing fraud prevention strategies, policies, and procedures. - Collaboration: Work closely with various teams across the organization, including BSA/AML, fraud, retail and business units, audit, risk and compliance, marketing and IT, to ensure secure and trusted digital banking and payments experience. - Compliance and Reporting: Ensure all activities comply with regulatory requirements and internal policies. Prepare and present reports on fraud trends and prevention measures. Maintain an active awareness and understanding of regulations and laws, including but not limited to: Bank Secrecy Act, Anti-Money Laundering, Regulation E, Regulation CC, Regulation J, US Treasury Green Book, NACHA Operating Rules Book, UCC 4a, OFAC. - Member Service: Provide both internal and external member service to support digital banking platforms and services, as well as fraud-related support. This includes troubleshooting digital banking issues, opening support cases with vendors, communicating with members to initiate and resolve their fraud claims, and ensuring a positive member experience throughout the process. Attend local fraud meetings or other industry fraud training courses. Perform other duties as assigned. We need to keep all that. Now Requirements: Education and Experience bullet list: - Associate’s degree or an equivalent level of knowledge, skills, and abilities typically acquired through work experience. - Minimum 2 years of financial institution work experience. - Experience working with digital banking and payment channels such as online & mobile banking, CardServices, operations. - Demonstrated experience in identifying and investigating potential fraud activity. - Must be at least 18 years of age. - Pass the pre-employment credit and background screening. Also maybe include "Other (PHYSICAL, MENTAL, AND VISUAL SKILLS)" etc. But we could put those under Requirements as well. Physical Job Requirements: list: - Frequent periods are spent standing or sitting in the same location with some opportunity to move about; occasionally there may be a need to stoop or lift light objects (typically less than 8 pounds). - Ability to move about and communicate with a diverse membership and employee group. - Ability to accomplish the described responsibilities using computers and technology. - Ability to sit and/or stand for extended periods of time. - Ability to work in a changing, challenging, and fast paced work environment. - Variable stress levels. - Provide own transportation. - Occasional business travel. Cultural Values & Expectations: list of values with descriptions. Environmental Job Requirements: Typically located in a comfortable, quiet indoor area. There may be regular exposure to mild physical discomfort from factors such as dust, fumes or odors, temperature extremes, strong drafts, or bright lights. We could include these under Requirements as well, but that may be too long. However it's still substantive. Alternatively we could have a separate section "Qualifications" for these. But we already used Skills for competencies. We could use Qualifications for the other items (physical, cultural, environmental). Let's do that. Thus sections: - About the role - Responsibilities - Requirements (education/experience) - Skills (competencies) - Qualifications (physical/mental/visual, cultural values, environmental) We must not create sections with filler. All have content. Now we need to format: Use

    for each section heading. Use

    • for any list of duties/requirements/benefits, and

      for prose. Thus: - About the role: prose ->

      ...

      - Responsibilities: list of duties ->
      • each duty paragraph. - Requirements: list of education/experience items ->
        • - Skills: list of competencies ->
          • - Qualifications: we have three subcategories: Physical Job Requirements, Cultural Values & Expectations, Environmental Job Requirements. Could be separate
            • each? Or we could use

              for prose and

              for lists within. The physical requirements are a list of items; we can make
              • . Cultural values also list; environmental is a short paragraph. Thus Qualifications section could contain multiple
                • groups? Might be okay to have multiple lists under same section. We'll just put each as
                  • under the section. But we need to ensure we don't repeat headings inside. It's fine. Now we need to strip boilerplate: EEO, etc. Also remove "Job Classification: Full Time FLSA Status: Exempt Department: Payment Systems Reports To: Digital Banking & Fraud Payments Manager Senior Leader: Chief Operating Officer" - that's metadata; we should fold minor metadata into a short

                    or drop it. The instruction: "Do NOT put Job ID / requisition numbers as headings — fold minor metadata into a short

                    or drop it." So we could include a short

                    with that metadata? But they said fold minor metadata into a short

                    or drop it. Probably better to drop it