Fraud Analyst

JOB TITLE: Fraud Analyst

REPORTS TO: Operations Supervisor

DEPARTMENT: Deposit Operations

BASIC FUNCTION: The Fraud Analyst will be responsible for detecting and preventing potential risks to Worthington Bank and their customers. This role will be required to effectively identify and resolve suspicious and/or fraudulent activity, as well as mitigate any potential losses in a timely manner.


  • Critical thinking and analytical skills.
  • Meticulous and thorough with the ability to handle high-volume review processes.
  • Strong time management skills required to meet daily timeframes.
  • Strong verbal and written communication skills required to maintain good relationships with Worthington Bank customers and staff, other financial institutions, attorneys and various law enforcement agencies.
  • Ability to work both independently and in a team setting.


  • Responsible for reviewing and maintaining all fraud protection processes that effectively identify and mitigate potential risks to Worthington Bank and our customers. This will encompass all transaction types, including but not limited to: checks, ACH, debit card and wires.
  • Assist customers and/or frontline staff with fraud requests; including transaction research requests, full fraud claim management, providing resources, proper reporting, etc.
  • Proactively assess fraud trends to help continuously develop and/or update fraud monitoring processes as needed.
  • Create and execute fraud training programs for both staff and Worthington Bank customers.
  • Collaborate with cross functional teams to share and report fraud trends and insights. Including but not limited to: Compliance, Frontline/Lobby, Treasury Management, IT and Marketing.
  • Create weekly and monthly loss reports to share with the Operations Supervisor and Executive Management.
  • Willingness to travel locally to attend various fraud meetings and trainings.
  • Serve as back-up to other members of the Operations team on an as-needed basis.

JOB SPECIFICATIONS: Ideal candidate will have the following:

  • 5+ years of banking experience and 3+ years of financial crimes or loss prevention experience preferred.
  • CFE or similar certification preferred.
  • Background with Verafin preferred.
  • Knowledge of banking rules and regulations, including but not limited to Reg E, NACHA, UCC and others relating to fraud.
  • Proficient in Microsoft Office (Excel, Word, PowerPoint)

The above statements describe the general nature and level of work being performed. They are not to be construed as an exhaustive list of all responsibilities, duties, and skills required of the position. Employees holding this position will be required to perform any other job-related duties as requested by management. All requirements are subject to possible modification to reasonably accommodate individuals with a disability.