Job details

Identity Theft Investigator

Be part of something more.

A majority of our time is spent “at work.” We believe that time most meaningful when it’s spent around people who care about you and who challenge you. We hire people who know how to make good decisions, because we won’t be constantly looking over your shoulder—you’ll be empowered to do what’s right for our customers. Most importantly, we’re a partner. We partner with our associates to help them thrive personally and professionally. We partner with our communities and the organizations that support them. And, we partner with our customers to create an experience they won’t find elsewhere.

Are you ready to be part of something more?

You’re more than a means to an end—a way to help us meet the bottom line. UMB isn’t comprised of workers, but of people who care about their work, one another and their community. Expect more than the status quo. At UMB, you can expect more heart. You’ll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunity. UMBers are known for having multiple careers here and having their voices heard.

The Identity Theft Investigator:

Will research and analyze existing customer accounts to identify ways to prevent future identity theft and fraud. Responsible for the development and creation of strategies for identify theft prevention policies and procedures. Will monitor and research as appropriate fraud queues at the credit underwriting platform for potential fraudulent activity related to identify theft.
Will assist in identifying valid or fraudulent transactions associated with Identity Theft and Account Take Over fraud events. Responsible to ensure bank is compliant with the Red Flags Regulatory requirements, will make at least annual assessments to gage Card Operations adherence to these requirements. Will be the main Fraud contact to manage suspicious activity referrals from Service Center and Bank Branches service agents.
Will provide data to help identify areas that require increased security procedures and/or software to detect identify theft and account take over fraudulent activities. Will provide recommendations to management for policy and technology enhancements in identifying attempts to perpetrate identity theft.
Will provide data to support daily, weekly, and monthly fraud reports to identify emerging fraud trends and UMB ‘s overall fraud performance. Must stay current with UMB ‘s fraud policies and procedures and ensure compliance with government directed regulatory requirements.
Will represent UMB at criminal court proceedings as required. Will provide Identity Theft and Account Take Over prevention training as required to UMB associates. Must be able to deliver to stringent timelines confidently. Other duties as assigned.

The Fraud Enterprise Operations Team is about creating strong connections amongst its associates to develop and maintain a positive working experience. You are valued for who you are in a fun, professional setting. It is a larger team that works closely together to ensure everyone is successful. Associates are supported and encouraged to work with their manager to develop roadmaps for opportunity within Fraud Operations and beyond.

How you’ll spend your time:

You will use problem solving skills to determine what action needs to be taken to resolve issues and escalate claims of fraud.
You will need strong communication skills to ensure everyone is on the same page and has the correct information for claims.
You will to have strong attention to detail to look out for fraud trends.

We’re excited to talk with you if:

High School Diploma
2+ years of experience as a fraud detections or prevention analyst in a credit card or debit card environment
Microsoft Office suite (Excel, Word, PowerPoint, & Access).
Knowledgeable of the provisions of the Patriot Act and Red Flag rules, and be able to assess compliance with these and other appropriate government regulations.
Demonstrates the ability to produce written procedural documentation regarding processes and policies
Demonstrates aptitude for problem solving, analytics, and reporting
Demonstrates ability to manage time and meet deadlines.
Works under general supervision
Demonstrates ability to work proactively & collaboratively in a team environment.
Demonstrates strong written communication skills
Knowledgeable of synthetic identity, kiting, & bust out scams.
Knowledgeable of the principles of linkage analysis in the context of criminal ring activity in a credit card environment.

UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary.

Compensation Range:

Minimum: $47,145.00 - Mid Point: $62,895.00

The posted compensation range on this listing represents UMB’s standard for this role, but the actual compensation may vary by geographic location, experience level, and other job related factors. In addition, this range does not encompass the full earning potential for this role. Please see the description of benefits included with this job posting for additional information.

UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e-mail to

talentacquisition@umb.com

to let us know the nature of your request.

If you are a California resident, please visit our

Privacy Notice for California Job Candidates

to understand how we collect and use your personal information when you apply for employment with UMB.

By UMB Financial Corporation

With our position of trust and our tradition of integrity, our shared mission is to know our customers and anticipate their needs; advocate and advise; innovate and surprise.

FUNDING

INDUSTRY

TEAM SIZE

LOCATION

Hybrid, based in Kansas City, MO

DATE POSTED

July 23, 2023