Deposit Ops Check Fraud Analyst - Hybrid in Winter Haven

About the position SouthState Bank is seeking a Deposit Operations Check Fraud Analyst to join their team. This role is crucial in protecting the bank and its customers by analyzing check exceptions and fraud alerts. The analyst will identify potentially fraudulent activity, make risk-based decisions, and mitigate financial exposure. The position ensures compliance with regulations and bank policies, maintaining security and confidentiality. This role contributes to safeguarding customer accounts and the financial stability of an institution with over $65 billion in assets.

Responsibilities

• Analyze check fraud alerts and reports to detect potentially fraudulent activity.
• Identify, research, and escalate suspicious or fraudulent transactions.
• Place holds on customer accounts as warranted, ensuring compliance with Regulation CC.
• Investigate and process duplicate deposit exceptions.
• Notify branch personnel of teller batch outages and provide guidance on resolving corrections.
• Conduct in-depth research into records and transactions to make sound decisions.
• Perform critical maintenance functions on customer accounts.
• Collaborate with other lines of business to prevent fraud and mitigate risk.
• Cross-train in other Deposit Operations teams to provide backup support.
• Participate in virtual meetings and communicate professionally.
• Approach all situations logically and professionally to ensure positive customer outcomes.
• Provide support and guidance to internal customers within established Service Level Agreements (SLAs).
• Accurately fulfill customer research requests via the Bank’s ticketing system.
• Apply critical thinking and sound decision-making skills to analyze complex transactions and resolve discrepancies.
• Demonstrate flexibility to work weekends, holidays, or extended hours as business needs arise.
• Perform other duties as assigned by management.

Requirements

• High School Diploma or equivalent.
• A minimum of 2 years total in banking is required, preferably in Deposit Operations, fraud prevention, or a related area.
• Proficient with general office machines, PC experience, and programs to include Microsoft Word, Excel, Outlook, Teams, and other departmental software.
• Ability to follow established procedures while applying sound judgment to exceptions.
• Demonstrated capability to conduct research and data analysis, with proficiency in identifying and assessing trends in customer behavior.
• Strong attention to detail, analytical thinking, and investigative skills.
• Capacity to maintain composure and accuracy under pressure in a fast-paced environment.
• Proficiency in learning and navigating multiple computer systems and online tools.
• Solid understanding of mathematical and financial principles.
• Must be adaptable in a fast-paced, ever-evolving environment.
• Must be self-motivated and complete job functions with little supervision.
• Excellent communication, organizational, problem-solving, and time management skills.
• Ability to manage confidential information with discretion.
• Proven multitasking ability and consistent dependability.
• Collaborative mindset with the ability to work effectively in a team environment.
• In-depth knowledge of check processing, UCC, Check 21, and Regulation CC.

Nice-to-haves

• Experience with Fiserv banking applications is preferred (Premier Navigator, Director).

Benefits

• 401k
• health_insurance
• dental_insurance
• vision_insurance
• life_insurance
• disability_insurance
• paid_holidays
• professional_development
• learning_development_program
• tuition_reimbursement
• employee_bonus_referral_program
• performance_bonus
• flexible_scheduling