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FIU Fraud Analyst

Remote USA

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 6 out of 7 years, Capital Bank was named one of the "Best Banks to Work For" in the U.S. by American Banker.

Position Purpose

The FIU Fraud Analyst within the FIU team will play a vital role in our corporate initiatives to monitor, track, and communicate fraud trends and initiatives across our entire enterprise. This role 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.

This role will be responsible for operational processes, and various fraud schemes. This is a highly autonomous individual and will manage/maintain priorities have based on risk assessments and goals set by upper management.

Position Responsibilities

  • Review and clear fraud alerts generated from monitoring systems related to wires, ACH, online banking activity, check fraud, and other transactional fraud typologies, in accordance with established procedures and service-level expectations.
  • Analyze transactional activity to determine whether alerts represent legitimate customer behavior or potential fraud, using available system data, customer profiles, and prior account history.
  • Document investigative findings clearly and consistently within case-management systems, ensuring accurate decisioning, rationale, and audit-ready records.
  • Escalate suspicious or confirmed fraud activity in a timely manner to senior analysts, fraud management or other appropriate stakeholders based on defined escalation criteria.
  • Collaborate with internal partners (e.g., operations, customer service, wire teams) as needed to obtain additional information or support timely fraud resolution.
  • Comply with all bank policies, procedures and regulatory requirements related to fraud detections, documentation and customer protection.

Minimum Education & Experience

  • 1-3 years of experience in fraud detection, transaction monitoring, or bank operations, preferably within a commercial or financial- services environment.
  • Working knowledge of common fraud typologies, including wire fraud, ACH fraud, check fraud, and online banking/account takeover activity.
  • Associate or bachelor’s degree in business, Finance, Criminal Justice or a related field
  • Prior experience supporting commercial customers
  • Basic awareness of how fraud activity can intersect with BSA/AML requirements and the importance of following established escalation protocols.

Technical Knowledge and Skills

  • Experience reviewing fraud alerts from platforms such as Verafin, Guardian Analytics, NICE Actimize, Fiserv, or similar systems.
  • Prior experience supporting commercial customers
  • Basic awareness of how fraud activity can intersect with BSA/AML requirements and the importance of following established escalation protocols.
  • Basic proficiency with banking systems and technology, including case management tools, transaction monitoring systems, and Microsoft office.
  • Ability to analyze transactional data and customer account activity to make timely, accurate decisions in a high-volume environment.
  • Strong attention to detail and documentation skills, with the ability to clearly record investigative finds and rationale in case-management systems.
  • Ability to meet production and quality expectations, including alert volumes, turnaround times, and accuracy standards.
  • Strong time-management and organizational skills, with the ability to prioritize workload and manage multiple alerts simultaneously.

Compensation

  • Base Salary Range: $24.04 - $31.25 hourly. Final determination of where you are at in the salary range is based on numerous factors such as geographical location, relevant experience, skill set, education, and ability to meet qualifications within the job description. 
  • Additional Compensation: This role will include a yearly annual target bonus based on individual performance.

Working Arrangements

  • This is a 100% remote role.
  • We’re currently hiring only within our core locations, which include Maryland (MD), District of Columbia (DC), Virginia (VA), Pennsylvania (PA), Delaware (DE), Indiana (IN), Illinois (IL), South Carolina (SC), Florida (FL), and North Carolina (NC).

Why Join Us?

  • Join a growing company with a culture that fosters an entrepreneurial spirit
  • Comprehensive benefits package including Medical, Dental, Vision, Company Paid Life Insurance, Disability Insurance, and more? 
  • Company Contributions to your 401k - Regardless of your contribution
  • Employee Perks: Paid Parental Leave, Employee Recognition Program, Leadership Program, Tuition Reimbursement Program, Employee Bank Checking Account, and much more!
  • Generous Paid Time Off and Paid Holidays - Including Paid Charity Hours to support volunteer opportunities 

 

Supporting Businesses. Helping People. Strengthening Communities. 
Capital Bank, N.A. is an E-Verify, Affirmative Action and Equal Opportunity Employer.

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