Member Account Protection Manager (Anaheim, CA)

Please use Firefox or Chrome internet browser to complete this application

Current Wescom Employees: Please visit  the Career Center in Workday to search and apply for a current job opening.

We value and rely on the unique talents and contributions of our employees to absolutely excel in member engagement by Delivering Signature Experience.

Salary Grade:

Salary Pay Range for This Position:

POSITION SUMMARY

The  Member  Account  Protection Manager  (Manager)  manages and administers  the  Credit  Union’s  fraud  prevention  and  investigation  program,  as  well  as  the  insider  fraud  program,  for  Wescom  Financial.  The Manager  is  responsible  for  controlling  fraud losses across   the   organization and   maintaining   losses   within   budget   parameters.  The  Manager  is  also  responsible  for  the  identification  of  suspicious,  fraudulent,  and  illegal  activity  and  preparation  of  written  analysis  and  Suspicious  Activity  Reports  (SARs)  in  compliance  with  governing  regulations.  Responsibilities  also  include managing  the Member  Account  Protection staff,  including  all  Fraud  Analysts and Fraud Investigators. The Manager will also direct all fraud claim intake, response,  and  management  programs  in  compliance  with  regulatory  and  governing  requirements to include Regulation E, Regulation Z, and NACHA. The  Manager  makes  organizational  decisions  concerning  special  projects,  which  may   include   identifying   vendors   in   support   of   credit   union   goals,   working   collaboratively  with  other  stakeholders  in  the  organization  to  ensure  a  positive  outcome.  Additionally,  the  manager  collaborates  with  other  leaders  to  design  and  adjust workflows in response to fraud trends. The  Manager  is  the  point  of  escalation  for  all  suspected  insider  fraud  situations,  working  with  Human  Resources  to  ensure  proper  investigation  and  subsequent  personnel disciplinary actions as warranted. This may include fact-seeking interviews of  team  members  or  3rd  parties,  making  recommendations  regarding  disciplinary  action, and referring cases to law enforcement and our insurance bond provider. The  Manager  also  aligns  the  department’s  strategic  initiatives  with  Wescom’s corporate strategy  and executes  through effective  leadership of  individuals  and  teams.  Cultivates  a  strong  culture  of  fraud  awareness  throughout  the  organization  through   working   with   business   units   to   evaluate   risk,   maintain   appropriate   procedures, and internal controls.

ESSENTIAL POSITION FUNCTIONS

The  Manager  must  have  profound  expertise  in  all  areas  of  fraud  detection  and mitigation  strategies,  including  but  not  limited  to  check  fraud,  kiting,  Zelle,  ACH, online/mobile  banking,  and  card  fraud  programs.  The  Manager  is  responsible  for  configuring  and  operating  the  enterprise  fraud  detection  and  prevention systems  that  include: Actimize, Velera, FDR, Spend Trend, Advance Defense, and other fraud modules, tuning  them  for  optimal  results  while  maintaining the  systems  in  compliance with  the credit union’s policies  and  procedures and governing legal framework. The  Manager  consults  with  stakeholders  to  independently  makes  decisions  that  balance   risk   and   uncertainty   across   multiple   programs   and   functions   while   maintaining the highest level of member service. Facilitates alignment across senior leadership   and   influences   cross-functional   teams   to   support   new   ideas   and   decisions. This  position  delivers  highly  professional  communications  and  outreach  to  foster awareness  regarding  fraud  trends  and  financial  crime,  and  allocates  department  resources  to  encourage  fraud  awareness  and  visibility  within  the  organization.  This includes  development  and  delivery  of  fraud  training,  preparing  staff  to  develop  and  deliver  fraud  awareness  presentation,  and providing guidance in  fraud prevention techniques  and  best  practices  to  credit  union  staff.  The  Manager  also  cultivates  a  network  of  contacts,  such  as  fraud and  risk  management  professionals  in  the financial  services  industry  while  providing  leadership  to  subordinates  to  encourage  their participation in fraud industry meetings and collaborative opportunities. The Manager focuses on long-term strategic initiatives with significant organizational impact,  leading  risk  and  control  efforts  involving  executive  leadership.  This  includes  participating  in  the  risk  assessment  of  new  products,  services,  systems,  or  other  material operational and product changes, providing relevant and reliable guidance to drive positive, risk-based decisions.  The Manager also follows emerging threats and risk   factors   to   ensure   appropriate   controls   (including   implementation   of   new   technology) are in place to manage the acceptable level of risk. Prepare  fraud  reports  for  management  and  the  credit  union’s  Board  of  Directors  and/or  Audit  and  Enterprise  Risk  Management  Committees  and participate in  these meetings. Manage fraud within the credit union’s risk appetite. Possess  an expert level of problem analysis and decision making to minimize  losses  and  protect  members.  Emphasize  member  protection  from  fraud  victimization  as  a  top  department  priority,  while  maintaining  the  highest  level  of  member  service  and  supporting organizational growth strategies. Clearly   document   and   support   judgments,   decisions   and   rationale,   which will necessitate  strong  writing  skills  and  the  ability  to  maintain  files  and  records  in  accordance with industry best practices.
Independently  responsible  for  exercising  expert  skills  in  supervising  staff,  coaching,  and mentoring staff development. Other  duties,  and  special  projects,  may  be  assigned  at  the  discretion  of  the  VP,  Enterprise Risk.

COMMITTEE PARTICIPATION

Member of Management Team: Joins with all members of management to review and address member service delivery and related functions, operational policies, employee issues, quality control problems, planning items, and other Wescom activities. The position is eligible for the Credit Union’s Management Team Incentive Program and Team Award.

EDUCATION, EXPERIENCE, SKILLS AND ABILITIES

Bachelor’s Degree required. At least ten years of experience in investigating all aspects of financial fraud with a high degree of complexity. At least seven years of supervisory experience required. Strong knowledge of applicable regulations, especially related to Identity Theft Red Flags and the Bank Secrecy Act. Demonstrated ability to think conceptually, perform analysis to reach meaningful conclusions, works independently, effectively deal with ambiguity, and completes assignments efficiently. Experience in written and verbal communications with all levels of management and staff. Certified Fraud Examiner (CFE) or other relevant professional designations required. Knowledge of credit union policies and practices, including all aspects of branch operations and products, excellent knowledge of transaction processing and fraud detection applications is required. Excellent investigative and interviewing techniques are required, as well as strong organizational skills, ability to prioritize multiple assignments, superior research and follow-up skills, ability to work independently and supervise staff with minimal direction. Must have the ability to maintain utmost confidentially of members and employees under investigation. COMPUTER SKILLS: Proficient  in  Microsoft  Applications  (Word,  Excel,  PowerPoint,  Outlook),Symitar  and  related  support  systems  such  as  Actimize,  FinCEN  BSA  e-File  and  general  office  equipment.

MATHEMATICAL SKILLS

Ability to add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals. Ability to compute rates, ratios and percentages.

PHYSICAL DEMANDS

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties of this job, the employee is frequently required to stand; walk; sit; use hands to finger, handle or feel; reach with hands and arms, climb or balance, stoop kneel, crouch, crawl; talk or hear and taste or smell. The employee must occasionally lift and/or move up to 10 pounds. Vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception and ability to adjust focus.

WORK ENVIRONMENT

This position may qualify as Remote or Hybrid with a home base at one of Wescom’s offices. The Remote or Hybrid status may be discontinued by Wescom in its sole discretion at any time and for any reason or no reason, with or without notice by Wescom or Employee. The work environment characteristics described here are representative of those an employee encounters while performing functions of this job.  The noise level in the work environment is moderately quiet. It is a non-smoking environment. The above job requirements are representative of minimum levels of knowledge, skills, and abilities. The marginal functions have not been included. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This job description in no way implies that these are the only duties to be performed. An employee will be required to follow any other job-related instructions and duties as requested by the supervisor and/or management

If you are applying for a Hybrid/Remote position, please note applicants are required to reside within our Wescom service areas which are defined as the following counties: Los Angeles, Orange, San Bernardino, Riverside, Ventura, Santa Barbara, San Diego,  Imperial ,Fresno, Kern, Kings, Madera, Merced, Mariposa, Monterey, San Benito, San Joaquin, San Luis Obispo, Santa Cruz, Stanislaus and Tulare counties.