Fraud Officer

GENERAL SUMMARY:
Responsible for administering a corporate fraud program for all charters in the Pinnacle Bancorp, Inc. holding company. Administers the corporate fraud responsibilities of each charter’s Security Program to detect and prevent potential fraud if possible. Identifies and investigates any significant occurrences of fraud in a timely manner, and ensure prompt reporting and follow up, and remedial training is done. Serves as a resource for all fraud related issues for all charters.

RESPONSIBILITIES DUTIES:
1. Responsible for case reviews in Verafin TMS software. Assigns reviews all appropriate reports and supporting materials on a charter-by-charter basis to detect and identify possible illegal or fraudulent activity involving customer accounts, employee conduct, and other business transactions that may adversely affect the bank(s). Reports will cover such areas as ENFACT, EOD, CAMS Debit Card Alerts, and new customer accounts.

2. Investigates and takes appropriate action such as placing holds or closing accounts when potentially fraudulent activity is detected. This will involve working with Senior and branch Management, law enforcement and/or other governmental units, and obtaining information from employees, customers, or designated bank charter contacts. Works with Operations Center or Audit Department personnel to analyze and document financial malfeasance or fraudulent activity.

3. Provides guidance, direction, and training on fraud detection and prevention to employees of all charters. Develops and recommends policy or procedure changes to address fraud risk. Identifies current fraud issues and trends that could impact company and presents appropriate employee training programs. Regularly communicates information via bulletins, PinnPress or other update media on fraud prevention. Provides daily guidance upon request to employees as to potential fraud involved with electronic banking or other transactions such as forged or counterfeit checks.

4. Maintains comprehensive knowledge of the Bank Protection Act and its implementing regulations, FDIC regulations, Bank Bribery Act, Bank Secrecy Act and UCC. Monitors industry update communications daily for methods to reduce bank’s fraud risk. Attends training as needed to stay abreast of fraud issues. Participates in local (FILA/FISA) and state security and fraud trade organizations. Completes all assigned internal training classes and provides input on content and direction for corporate fraud training.

5. Develops a network of fraud industry professionals including law enforcement to help identify common fraud trends and assist in investigating fraud cases. Investigates and files all required fraud related Suspicious Activity Reports (SARs), and/or appropriate law enforcement reports. Serves on SAR Committee (SARC) to determine when SARs are to be filed. Maintains records of investigations and filed SARs and provides required periodic Board reports. Provides input from fraud perspective on annual risk analysis when requested.

6. Administers corporate Identity Theft/Red Flags awareness and prevention program designed to protect the bank and customers from the implications of identity theft. Maintains Fraud section of the Financial Intel SharePoint site, the Fraud Policy and Governance, and the Fraud Manual as a resource for all employees. Issues updates and revisions as necessary. Issues updates and revisions as necessary.

7. Provides support to Support Center employees on issues arising from customer information requests such as subpoenas, search warrants or Right to Financial Privacy Act requests. Maintains knowledge of the Pinnacle Employee Code of Ethics.

8. Regular and reliable attendance.

9. Other duties as assigned by management.

KNOWLEDGE, SKILLS, AND ABILITIES:

EDUCATION AND EXPERIENCE:

Able to read computer screens

Able to communicate with

Standing/Walking: 50-74%

Climbing/Stooping/Kneeling: 0-24%

Lifting/Pulling/Pushing: 0-24%

Fingering/Grasping/Feeling: 75-100%

Typing on computer

Light Work: Exerting up to 20 pounds of force occasionally, and/or a negotiable amount of force frequently or constantly to lift, carry, push, pull, or otherwise move objects. Job involves sitting most of the time.

NOTE: The statements herein are intended to describe the general nature and level, or work being performed by employees assigned to this classification. They are not intended to be construed as an exhaustive list of all responsibilities, duties, and skills, required of personnel so classified.

More Details

We take pride in our heritage as a family-owned, community bank. Our commitment to our customers and community is at the forefront of how we do business.

We are a Nebraska-based banking organization founded in 1938 in Palmer, Nebraska. Today, we have branches in Arizona, Colorado, Kansas, Missouri, Nebraska, New Mexico, Texas and Wyoming.

As we grow, our commitment to our customers and community remains as strong as ever. We specialize in building lasting banking relationships with the businesses, farms and families we serve. We also prioritize taking an active role in our communities through charitable giving and volunteering.

At Pinnacle Bank, we are ready to help your company with business checking and savings accounts, commercial loans and lines of credit and treasury management services.

We also offer personal banking services, including accounts, mortgages, personal loans and technology products.

We offer fair and competitive compensation as well as bonus based on an employee's years of service and possible discretionary merit bonuses. Employees also have the opportunity to participate in the Bank incentive programs based on charter/branch guidelines. Other benefits include:

We are an Equal Employment/Affirmative Action employer. We do not discriminate in hiring on the basis of sex, gender identity, sexual orientation, race, color, religious creed, national origin, physical or mental disability, protected Veteran status, or any other characteristic protected by federal, state, or local law. If you need a reasonable accommodation for any part of the employment process, please contact us by email at personnel@pinnbank.com or by phone at 402-697-8666 and let us know the nature of your request and your contact information. Requests for accommodation will be considered on a case-by-case basis. Please note that only inquiries concerning a request for reasonable accommodation will be responded to from this e-mail address. For more information, view the [EEO KNOW YOUR RIGHTS] and [PAY TRANSPARENCY STATEMENT].