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About this role:

Wells Fargo is seeking a Financial Crimes Operations Consultant to support the Commercial Card Fraud Prevention team within Consumer and Small Business Banking Fraud Operations. This team supports the day-to-day management and performance of fraud prevention capabilities by monitoring transaction activity and fraud trends, analyzing strategy and model performance, and identifying opportunities to strengthen fraud detection while minimizing customer impact. The team has an important role in helping protect customers and the bank by ensuring fraud prevention strategies and models remain effective across authorization and authentication channels, including EMV 3-D Secure. Learn more about the career areas and lines of business at wellsfargojobs.com.

As a consultant, you will collaborate with Visa, Mastercard, fraud model vendors, Product, Technology, Operations, and risk partners to support and enhance Commercial Card fraud prevention capabilities. You will also implement and validate production changes and support fraud model governance activities, including performance monitoring, documentation, model changes, annual reviews, and remediation activities, while identifying opportunities to improve fraud detection strategies and overall model effectiveness.

In this role, you will:

• Participate in research and consultation, and complete root cause data of fraud and claims transactions, policy violations, and unusual situations with moderate to high risk
• Identify opportunities for performing detailed examination to detect patterns, trends, anomalies, and schemes in both transactions and relationships within multiple businesses
• Conduct investigative research using appropriate investigative techniques and exercise independent judgment to perform risk data and to provide input and recommendations for fraud and claims strategies
• Present recommendations for resolving fraud risks, control failures in bank processes and procedures, and more complex cases
• Exercise independent judgment while developing knowledge in projects and initiatives, or specialize in a particular type of fraud and claims
• Collaborate and consult with management, business partners, colleagues, and internal customers

Required Qualifications:

• 2+ years of fraud, investigations of fraud, claim transactions or policy violations, risk management, or compliance experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

Desired Qualifications:

• 2+ years’ experience with Visa and Mastercard credit card processing and fraud prevention
• 1+ year of experience utilizing FIS and/or TSYS platforms
• Demonstrated knowledge of EMV 3-D Secure (3DS), card-not-present fraud, and authentication strategies
• Experience analyzing financial, account, and transactional activity to support fraud investigations and claim outcomes
• Strong analytical and critical thinking skills with the ability to evaluate complex information and make sound, risk-based decisions
• Proficiency in gathering, validating, and analyzing information from multiple sources to support thorough and well-documented investigative findings and recommendations
• Experience identifying fraud trends, patterns, anomalies, or recurring issues through investigative and data analysis
• Excellent verbal and written communication skills, including the ability to clearly communicate investigative findings and recommendations to business partners and senior leaders
• Demonstrated ability to build effective partnerships and maintain relationships with stakeholders across departments and multiple lines of business
• Ability to manage multiple priorities in a fast-paced environment while maintaining a high level of accuracy and attention to detail
• Experience using Microsoft Office, including Excel, PowerPoint, and Teams

Job Expectations:

• Ability to work additional hours as needed
• Willingness to work on-site at stated location on the job opening
• This position offers a hybrid work schedule
• This position is not eligible for Visa sponsorship

Posting Location:

• Charlotte, North Carolina
• Chandler, Arizona

Posting End Date: 

*Job posting may come down early due to volume of applicants.

We Value Equal Opportunity

Wells Fargo is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic.

Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit’s risk appetite and all risk and compliance program requirements.

Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process.

Applicants with Disabilities

To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo.

Drug and Alcohol Policy

Wells Fargo maintains a drug free workplace.  Please see our Drug and Alcohol Policy to learn more.

Wells Fargo Recruitment and Hiring Requirements:

a. Third-Party recordings are prohibited unless authorized by Wells Fargo.

b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.

c. Please be prepared to provide accurate information and supporting documentation in connection with any lawful employment and education verification conducted by Wells Fargo.