About the job

Job Type

Full-time

Description

ABOUT US

Coastal Community Bank is a leader in Banking with strong Financial infrastructure leading Banking as a Service (BaaS) and Fintech strategies. The people at Coastal not only help people with their personal banking; they help businesses with banking technology integration that leads to business growth, flexible financing, and unimagined potential. We think and work like entrepreneurs, always moving and constantly improving. We are go-getters, work hard, and play hard. If you're someone who thrives on innovation, wants to help others succeed, knows how to think outside the box, and believes that we're all in this together -- you belong here.

Overview

The Fraud Risk Analyst III will support the BaaS program by providing lead and senior level oversight of Fintech partners with an emphasis on fraud analysis reviews, monitoring, and documentation review.

Responsibilities To Include

Assist in developing processes to enhance fraud risk controls and oversight for Fintech Partners. Assist in developing and updating BaaS fraud risk policies, procedures, and reporting templates. Review partner policies and procedures, workflows, and other program documents to identify gaps throughout the customer lifecycle. Complete high risk and material fraud incident reviews on events identified internally and externally for BaaS Partners. Support Fraud Risk Manager with team training, quality control reviews, and daily Fraud Risk Team duty oversight. Review low and medium fraud incidents performed by team to ensure appropriate guidance is provided to Partners and documentation of fraud incident is complete. Build and maintain strong relationships with key stakeholders, team members, Relationship Managers and Partners. Assist in preparing and leading partner monthly fraud calls with Partners. Prepare and present to management fraud summaries, analysis, and recommendations. Remain current with emerging fraud trends. Provide guidance and best practices to BaaS Partners. Provide service in accordance with Coastal Core Values. Maintain proficient knowledge of the rules and regulations, including but not limited to, the Bank Secrecy Act (BSA), USA Patriot Act, OFAC, Regulation E, Truth in Savings Act and Unfair, Deceptive or Abusive Acts of Practices (UDAAP), Truth in Lending, Equal Credit Opportunity Act. Follow and comply with all regulatory and compliance regulations. Make recommendations to the BaaS Fraud Manager when and where appropriate.

Requirements

QUALIFICATIONS

Knowledge and understanding of Fintech with a strong fraud analysis and technical background. Demonstrated ability to work in a team environment. Ability to resolve problems with minimal guidance and make general decisions for daily processing. Ability to interface effectively with other departments and operate in a fast-paced environment with minimum supervision. Excellent written and verbal communication skills. Ability to manage multiple tasks/projects and deadlines simultaneously. Attention to detail and accuracy a must. Cooperative and professional attitude. Ability to effectively present information and respond to questions from management, affected departments and our Partners.

Education/Experience

Bachelor’s Degree or equivalent related experience. 4+ years of bank fraud and risk experience.

How You’ll Thrive At Coastal

Be the Best – Communicate effectively, pay close attention to detail, and prioritize your personal development. Be Relentless – Thrive in a goal-oriented environment exercising both patience and persistence. Advocate for our customers and team members and strive to promote the Coastal Difference. Be Un-Bankey – Be a forward thinker with a creative mindset. Build long-lasting relationships promoting the Coastal Difference, built on a foundation of integrity, honesty, and trust. Embrace Gray Thinking – Use sound judgment while decision-making and problem-solving. Think outside the box. Stay Flexible – Organize and strategize effectively while always being prepared to adapt on the fly. Seek efficiencies for Coastal to work smarter, not harder. Take Care of Each Other – Understand what it means to be a true team player and have your teammate's back. Practice self-awareness and build your emotional intelligence.

BEING YOU AT COASTAL

Coastal is proud to be an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status. We are also committed to compliance with all fair employment practices.

PHYSICAL DEMANDS

The physical demands described below are required to perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee must:

Can sit for extended periods of time. Can stand for extended periods of time. Can perform repetitive finger, hand, and arm movement. Can use electronic office equipment such as a computer keyboard, mouse, ten key, telephone, etc. Able to view and read computer screens for extended periods. Can occasionally stoop, kneel, crouch, or crawl. Can occasionally lift or move up to 10 pounds.

Other Duties

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.

Salary Description

$68,899 - $82,678