Fraud Operations Specialist

Love Where You Work!

At Mountain West Bank, our employees love where they work! Our employees describe our culture as one that promotes having fun at work and being one big happy family. We take every opportunity we can to recognize and appreciate our employees, not only on designated days, but all throughout the year. We love investing in our employees whether it be in the form of our generous 401(k) contributions to our robust training programs. We also love volunteering in our communities and love delivering the unexpected not only to each other but to our customers and the community.

Love Where You Live!

We love where we live, and we try to make our communities a little better, both individually and as a team. We strongly encourage all our employees to give back to the community in which they live and we even pay them to do so.

Do you have a desire to make your city a better place to live? We just might be able to help you do it.

A Strong Foundation

Mountain West Bank operates exclusively in the state of Idaho serving Bonners Ferry, Ponderay, Sandpoint, Coeur d'Alene, Post Falls, Hayden, Boise, Meridian, Eagle, Nampa, Hailey and Ketchum. We are one of 17 division banks under the Glacier Bancorp umbrella. Glacier Bancorp, Inc. is a community banking organization with assets greater than $29 billion, operating in banking offices across eight western states: Montana, Idaho, Utah, Washington, Wyoming, Colorado, Arizona, Nevada, and Texas. Since 2015 we have been recognized as one of America's Best Banks, America's Best-In-State-Companies (top holding company), one of America's Best Employers By State, one of America's Most Trusted Companies and one of the World's Best Banks, according to Forbes Best Banks lists.

Ready to LOVE WHERE YOU WORK?

Mountain West Bank is seeking a Fraud Operations Specialist.

The Fraud Operations Specialist is responsible for detecting, investigating, and preventing fraudulent activity across bank products and services, including deposit accounts, electronic payments, debit/credit cards, and online banking channels. This role plays a critical part in protecting customers, limiting financial losses, and ensuring compliance with banking regulations and internal risk management standards.

This position reports to the Deposit Operations Manager. Career growth includes multiple roles in Operations and Treasury Management departments.

This is a full-time, hourly position that may operate out of Sandpoint, Coeur d'Alene, Boise or Meridian. Rate of pay depends on experience.

DUTIES AND RESPONSIBILITIES:

• Monitor and analyze account activity through various reports across banking products (e.g., checking, savings, debit cards, ACH, wires, online banking)
• Ensure all fraud cases are reported to Corporate Fraud by completing the fraud eForm
• Investigate suspected fraud, scams, identity theft, and account takeover using internal systems, transactional data, and customer interactions
• Take timely and appropriate action on confirmed fraud, including placing account restrictions, issuing credits or provisional credits as applicable, and documenting investigations
• Handle consumer and business fraud claims in accordance with regulatory timelines and bank policies (e.g., Reg E, Reg CC, Reg Z, NACHA rules)
• Complete and track late claims and hold harmless requests to support timely and accurate recovery efforts for impacted accounts
• Report operational losses by completing the Risk Event Reporting Form
• Prepare thorough, accurate documentation and case notes to support audits, regulatory exams, and law enforcement requests
• Work closely with Branch Operations, Call Center, Digital Banking, and Corporate Fraud teams to resolve fraud cases and support customers
• Communicate professionally with customers and law enforcement agencies regarding fraud investigations, account impacts, and next steps
• Support fraud loss tracking, reporting, and root cause analysis
• Maintain strict confidentiality of customer information and comply with all bank security and data protection requirements
• Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control

Other Accountabilities and Responsibilities:

• Regular and predictable attendance is an essential function of this job.

The above is a description of the ordinary duties of the position. It should be expected that from time to time, other duties both related and unrelated to the above may be assigned, and therefore, required.

POSITION REQUIREMENT/QUALIFICATIONS:

• High school diploma or equivalent
• Minimum three years of experience in banking, fraud operations, or a combination of both
• Working knowledge of retail banking products and payment methods
• Strong analytical, investigative, and decisionmaking skills
• Ability to manage multiple cases while meeting regulatory deadlines
• Strong written and verbal communication skills
• Demonstrated integrity and ability to handle sensitive customer and financial data
• Proficiency in Microsoft Office Programs (Outlook, Excel, Word, PowerPoint) and general office equipment

PREFERRED KNOWLEDGE, SKILL, ABILITY:

• Experience handling consumer fraud claims under Regulation E and business account fraud under applicable banking rules
• Familiarity with ACH, wire transfers, debit card processing, and online banking fraud
• TechXpert Certification
• Risk awareness and sound judgment
• Attention to detail and documentation accuracy
• Customer advocacy balanced with risk controls
• Strong collaboration in crossfunctional environments
• Commitment to ethical banking practices and compliance
• Knowledge of Mountain West Bank's products, services, and procedures

WORK ENVIRONMENT: Must be able to routinely perform work indoors in climate-controlled shared work area with moderate noise level.

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. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is often required to: sit; use hands in repetitive motions to finger, grasp, handle or feel; and talk or hear. The employee is occasionally required to: stand; walk; and lift or reach with hands and arms.

Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested by management. Must be capable of regular, reliable and timely attendance. Must be capable of climbing / descending stairs in an emergency situation.

Specific lifting abilities required by this job include: Sedentary work. Exerting up to 10 pounds of force occasionally and/or negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects, including the human body. Sedentary work involves sitting most of the time. Jobs are sedentary if walking and standing are required only occasionally and all other sedentary criteria are met.

Specific vision abilities required by this job include: The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading; visual inspection involving small defects, small parts, and/or operation/inspection of machines and/or using measurement devices at distances close to the eyes.

COMPENSATION & BENEFITS: Starting salary is dependent upon relevant experience and may vary based on the geographic location of the position. We offer an extensive benefits package that includes, but is not limited to medical, dental, vision, and life insurance. Coverage is available to employees and their eligible dependents in accordance with our written plan documents. You may also be eligible for a health savings account option, an Employee Assistance Program (EAP), a health rewards program, a retirement savings plan, including 401(k) and Profit-Sharing plans, short and long-term disability benefits, education and training benefits, and discounts on banking products and services. We also offer a generous Paid Time Off (PTO) plan and paid holidays. PTO accruals begin at .0745 per hour worked for our part time employees up to a maximum accrual of 240 hours per year for certain Full-Time employees. PTO accruals are dependent on position, status (Full time or Part time), and years of experience in accordance with our PTO policy. Most Full-Time employees are also offered 6 paid holidays and Part Time employees are offered pro-rated paid holidays. In addition, employees in Utah and Nevada may be eligible for pay for certain state recognized holidays. Visit our website for more details. Check it out!

We are an Equal Opportunity Employer and qualified applicants, or employees will receive consideration for employment without regard to race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender identity, mental or physical disability, genetic information, protected veteran status, or any other category protected by applicable federal, state, or local laws.

Glacier Bancorp, Inc. does not sponsor applicants for work visas. All applicants must be legally authorized to work in the US.

No Recruiters or unsolicited agency referrals please.