Fraud Analyst I

OUR LEADERSHIP PHILOSOPHY
At Lighthouse Credit Union, we believe all individuals, regardless of position level, are considered leaders. By providing a framework that balances clarity with adaptability, our Leadership Competencies aim to foster a culture of continuous growth and agile leadership. Lighthouse Credit Union is committed to embracing change, nurturing leadership talent, and ensuring our performance management practices are aligned with our vision of fostering a resilient and forward-thinking organization. As such, we all hold ourselves accountable to the following:

LEADERSHIP COMPETENCIES

Demonstrates Interpersonal Awareness & Skills
A cornerstone of our collaborative work environment, this competency emphasizes effective communication, relationship building and teamwork. It also supports creating a positive work environment that values individual contributions and fosters teamwork. As an individual leader, you will demonstrate active listening, clear communication and contribute beneficially to team dynamics.

Embraces Change & Learning
This competency focuses on adaptability, personal development and the advocacy and embracing of progressive change. You will be challenged to explore continuous learning opportunities to achieve excellence and foster a culture of growth and innovation. As an individual leader, you will actively engage in personal development, embrace change enthusiastically and support team members in their growth. You will also demonstrate flexibility and adaptability in response to changing circumstances.

Utilizes Critical & Creative Thinking
Underlining the importance of innovative problem solving, challenging the status quo and strategic thinking, this competency is vital for driving excellence and leadership. This competency challenges team members to take initiative beyond one's immediate responsibilities. As an individual leader, you will actively look for and share opportunities for improvement, show open-mindedness to new ideas and professionally challenge inefficient processes. You will also actively contribute to defining solutions and promoting innovation.

Takes Personal Ownership
This competency focuses on taking responsibility for performance goals, proactive collaboration and accountability. It highlights the significance of each team member taking ownership of their role and contributions while demonstrating leadership qualities regardless of their position. As an individual leader, you will be actively engaged in setting and achieving performance goals, take responsibility for personal action and decisions and seek opportunities for self-improvement and skill development.

POSITION SUMMARY
The Fraud Analyst I is an entry-level role responsible for supporting the Credit Union's fraud prevention efforts by reviewing alerts, assisting with urgent concerns, monitoring transactional activity, conducting member outreach when account takeovers are identified and escalating issues to senior fraud staff. This position focuses on timely resolution of inquiries to protect members as well as early detection, documentation, and operational support rather than conducting full investigations or managing fraud cases. The Fraud Analyst I works closely with the Fraud Team and other internal departments to ensure suspicious activity is identified promptly and handled in accordance with Lighthouse Credit Union's Fraud Program, regulatory requirements, and established procedures. Strong attention to detail, willingness to learn, and effective communication skills are essential to success in this role.

ESSENTIAL FUNCTIONS & RESPONSIBILITIES
* Conducts member outreach when appropriate.
* Assists frontline staff with real-time fraud concerns and provide guidance on resolution.
* Monitors and reviews alerts generated by fraud detection systems to identify unusual or potentially suspicious transactions.
* Conducts preliminary research on flagged transactions and escalates concerns to senior fraud staff for further review and case management.
* Documents initial findings and supports the maintenance of accurate records in accordance with fraud monitoring procedures.
* Provides operational support to management, including preparing information for investigations and assisting with tracking fraud trends.
* Communicates with frontline staff to obtain missing information, clarify details, or request documentation related to potential fraud activity.
* Supports fraud prevention efforts by identifying potential system gaps or member risk factors and sharing observations with management.
* Assists with administrative tasks, including reports, spreadsheets, and basic data analysis to support fraud-related projects.
* Participates in fraud prevention training, remaining current on common fraud types, scams, and best practices.
* Adheres to BSA/AML requirements by escalating unusual activity in accordance with established procedures.
* Follows and adheres to the Credit Union's policy regarding attendance and punctuality.

JOB SPECIFICATIONS
* Technical Skills: Familiarity with fraud detection tools or willingness to learn systems such as Verafin. Ability to navigate core banking platforms, document imaging systems, and Microsoft Office applications. Basic ability to identify unusual transaction patterns and apply critical thinking.
* Fraud Awareness: general understanding of common fraud typologies including account takeover, check fraud, card fraud, ACH/wire fraud, loan fraud, synthetic identity theft, and emerging scam trends; ability to follow defined procedures and escalate concerns appropriately.
* Communication & Collaboration: Strong written and verbal communication skills; ability to work collaboratively with internal teams to gather information and support fraud prevention efforts, engage with members and build relationships, especially with handling difficult member situations.
* Organizational Skills: Ability to prioritize tasks, manage multiple alerts, and maintain attention to detail. Commitment to confidentiality and accuracy in handling sensitive member information.

EDUCATION, TRAINING & EXPERIENCE
* 2-year Associate's Degree, or the equivalent work experience.
* Bachelor's Degree preferred.
* 2 to 4 years experience in financial institution operations, or equivalent combination of education and experience required.Prior fraud/risk management experience a plus.
* Working knowledge of credit union products and services.

We know life doesn't pause when you're at work - and your benefits shouldn't either. At Lighthouse Credit Union, we offer real support for real life, with perks that help you stay healthy, grow your future, and take care of what matters most.

* Student Loan & Tuition Assistance - Whether you're paying off debt or going back to school, we help lighten the load.

* Employee Loan Discounts - Get access to lower rates on personal loans, just for being part of the team.

* Weekly Paychecks - Because waiting two weeks shouldn't be the norm.

* 401(k) with Employer Match & Profit Sharing - We invest in your future with generous contributions and immediate vesting.

* Lighthouse Leave Program - Paid time off for major life moments, from welcoming a child to caring for a loved one.

* Volunteer Time Off (VTO) - Give back to your community with paid time to serve.

* PTO + Paid Federal Holidays - Rest, recharge, and celebrate without worry.

* Balanced Schedule - All branches close by 5pm and on Sundays - no late nights or unpredictable shifts.

* Comprehensive Medical, Dental & Vision Plans - Coverage that starts quickly and fits your needs.

* HSA/FSA Options - Save pre-tax dollars for everyday health expenses.

* Discounted Pet Insurance - Because furry family members deserve care too.

* Employee Assistance Program (EAP) - Free, confidential support for life's challenges - available 24/7.

* Annual Bonus Program - Celebrate your wins, your teammates' successes, and the Credit Union's growth - together.

* Engagement Groups - Join communities like Pride at Work, Women in Leadership, Book Club, and more.

* Ongoing Training & Career Growth - We invest in your development from day one.

* Annual Summit & Team Outings - Celebrate wins and connect with coworkers across the organization.

WORK ARRANGEMENT:
The working arrangement for this position is hybrid. Hybrid work is an opportunity to find the right balance between working in the office and remotely, especially if it supports individual success and the needs of our organization. Hybrid schedules are determined by the hiring manager based on business unit needs and may vary by department.

LIGHTHOUSE CREDIT UNION IS AN EQUAL OPPORTUNITY EMPLOYER