Operations Fraud Analyst - 9200933032012_1

Burke & Herbert Bank & Trust CLASSIFICATION: Non-Exempt REPORTS TO: Deposit Operations Manager JOB DESCRIPTION Summary/Objective Protects customers and the bank by detecting fraud early and strengthening fraud prevention practices across payment programs. Essential Functions Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Detect, investigate, and respond to fraud activity across payment and deposit channels to minimize customer impact and financial loss Strengthen fraud prevention controls by identifying trends, control gaps, and emerging fraud risks Ensure accurate disposition of fraud alerts in accordance with regulations, network rules, and internal procedures Support branches and internal partners with timely, well-documented fraud analysis and decisioning Review and disposition fraud alerts for ACH, Wire Transfers, Zelle, Online Banking, and Check transactions in accordance with bank policies and risk thresholds Analyze transaction activity, account history, and customer behavior to identify potential fraud, account takeover, or unauthorized transactions Determine and execute appropriate actions, including approvals, account restrictions, blocks, returns, and escalations Perform transaction???specific reviews: ACH: Identify unauthorized or suspicious debits and credits; initiate returns and adjustments in accordance with NACHA rules Wires: Review high???risk, duplicate, or socially engineered wire activity; verify changes to instructions or beneficiaries Zelle: Investigate alerts related to scams, account takeover, and suspicious person???to???person payment activity Online Banking: Monitor unusual login behavior, device changes, velocity anomalies, and transaction deviations Checks: Identify counterfeit, altered, forged, duplicate, or encoding???related items Coordinate with branches, customer service, digital banking, and deposit operations to resolve fraud alerts efficiently Document investigations, decisions, and actions clearly and accurately to support internal controls, audits, and regulatory reviews Assist with fraud???related account controls, customer notifications, and loss mitigation efforts Monitor fraud trends and escalate emerging risks or control weaknesses to management Ensure confidentiality of all information obtained during fraud investigations Other Duties Other duties as assigned Skills/Abilities Strong analytical skills with the ability to detect patterns and anomalies High View the full job description on the employer's website. Equal employment opportunity, including veterans and individuals with disabilities. PI287522449 / 13-2099.04 Fraud Examiners, Investigators and Analysts