Senior Fraud Analyst - Risk

About Us
Capital Bank N.A. is headquartered in Maryland and has been serving our communities since 1999. We stand as a publicly traded company (NASDAQ: CBNK) with over $3 billion in assets. We offer commercial and consumer banking services to clients primarily in Maryland, DC, and Northern Virginia, alongside two nation-wide lending brands; Capital Bank Home Loans and OpenSky, a credit card division that offers and services credit cards across all states. Our personalized approach to banking, paired with cutting-edge technology solutions and a comprehensive suite of products and services, fuels our growth, and enables us to support our customers at every stage in their financial journey.

Come join a bank where our employees thrive and are engaged in meaningful work. For the last 5 out of 6 years, Capital Bank was named one of the "Best Banks to Work For" in the U.S. by American Banker.

Position Purpose

As a Senior Fraud Analyst on our FIU Team, you will play a vital role in our corporate initiatives to
monitor, track, and communicate fraud trends and initiatives across our entire enterprise. You will
join a team at the forefront of limiting fraud exposure both internally at Capital Bank NA as well as
externally with our business partners.

You will be responsible for acting as a subject matter expert on reporting topics, operational
processes, and various fraud schemes. You will be highly autonomous and will manage/maintain
priorities based on risk assessments and goals set by upper management. This position will report
to the Fraud Department Manager.

Position Responsibilities

• Assist in the development and implementation of fraud prevention strategies for retail locations that help mitigate corporate and customer exposure to fraud losses while ensuring an appropriate balance between financial/reputational risk and customer impact/friction.
• Perform deep-dive analysis of ongoing fraud trends, detailing risks, current and potential
  future exposure/losses, and potential mitigating actions.
• Implement strategic goals through tactical processes using various tools and resources available and, where needed, create business justification arguments to support the acquisition of new tools and resources.
• Perform due diligence on new corporate products, internal process, and customer procedure.
• Provide SME knowledge on fraud cases, prevention tools, best practices and reporting capabilities within the fraud department.
• Work closely with internal teams to ensure ongoing communication and prevent non beneficial/unintended overlap of processes and messaging to external customers.
• Maintains proficiency in all aspects of BSA/AML compliance and attends FIU training as assigned by the BSA Officer.

Education and Experience Required

• Bachelor's degree in a related field or equivalent work experience
• 5-7 years of experience in Payments Fraud & Risk or other applicable fields
• Prior project management and/or risk management experience

Technical Knowledge and Skills

• Ability to work with and manage around priorities between multiple teams, acting as a liaison between various lines of business
• Excellent attention to detail and a track record of identifying risks within existing and future use cases others may overlook, especially as relates to unique business/product use cases
• Self-starter with the ability to work on multiple tasks (multi-task, prioritize tasks and work under pressure) with minimal direct supervision.
• Ability to communicate, verbally and in writing, ideas, concepts, recommendations and complex information clearly and concisely in a timely manner, at a level consistent with the audience
• Ability to analyze situations and issues, identify options, draw logical conclusions and sound inferences, determine and recommend practical courses of action using innovation, creativity, good judgment and strategic thinking
• Ad hoc investigations and providing summary write ups. Thorough understanding and demonstrated execution of best practices associated with conducting basic to complex fraud investigations including knowledge on recovering funds due to fraudulent acts
• Understanding of all regulatory requirements associated with fraud investigations Verafin
  experience a plus

Compliance

It is the responsibility of each bank staff member and of management to adhere to policies and
procedures designed to implement compliance with the laws and regulations to which the bank is
subject. Each bank staff and management member shall be accountable for understanding how
compliance with laws and regulations affects the performance of their day-to-day duties, for
completing compliance training as assigned and for carrying out those duties in a manner to achieve
compliance with those laws and regulations.

The above mentioned are intended to describe the general nature and level of work performed rather
than to be an inclusive list of all duties, responsibilities and skills required for the position. Job duties
may be changed at any time at management's discretion. The job description is not intended to
create contractual obligations of any kind.

Capital Bank, N.A. is an affirmative action and equal opportunity employer.