Fraud Operations Specialist

Overview

Troy Bank and Trust is excited to announce a Fraud Operations Specialist position in the Troy office. We are seeking a detail-oriented and analytical Fraud Operations Specialist to join our Operations team. The first few months will require the successful candidate to work at our Main Office and will transition to our Troy Downtown branch before year end. This role is responsible for reviewing and analyzing customer account activity using fraud prevention tools to detect and prevent financial loss.

The Fraud Operations Specialist will investigate forgery, theft, and suspicious transactions, process Reg E chargebacks and disputes, and assist customers with debit card inquiries related to provisional credit. A foundational understanding of risk and compliance is essential.

• Analyze suspicious activity to determine potential money laundering, fraudulent activity or other irregular financial activity.
• Investigate fraud cases and Anti Money Laundering alerts using research and analytical tools within regulatory time limits.
• Support front‑line staff with Reg E disputes, check fraud, wire fraud, and ACH fraud.
• Respond to internal emails regarding potential fraud and take appropriate action.
• Assist other areas within Deposit Operations as needed.
• Collaborate across departments to ensure excellent customer service.

• Minimum 1 year of financial institution experience preferred.
• High school diploma. Post secondary education a plus.
• Banking, audit, or fraud detection experience a plus.
• Call center or telephone customer service experience preferred.
• Proficiency in Windows 10, Outlook, Word, and Excel; ability to learn and use a variety of software applications necessary for the position.
• Acute attention to detail and strong organizational skills.
• Excellent written and verbal communication.
• Ability to follow instructions and adapt to changing priorities.

• Ability and desire to work in a fast‑paced environment.
• Proven dedication to excellence and achieving results.
• Ability to act with integrity, professionalism, and confidentiality.
• Reliable, motivated, and organized.
• Team oriented with the ability to work independently.

• Knowledge of regulations related to demand deposit and savings accounts.
• Provide timely and accurate customer service.
• Educate customers on bank products and services.
• Maintain accurate documentation and department records.
• Perform repetitive tasks and sit for extended periods.
• Stay informed on all bank products and services.

• Must work in person/office.
• Ability to travel between all locations to accommodate staffing needs as required to include temporary or permanent assignment.

• Full‑time, 40 hours/week.
• Standard hours: 8:00 AM–5:00 PM, Monday–Friday.

Pay rates for this opportunity will be based upon experience. At Troy Bank & Trust, we work to provide the best of a local community bank, along with the technology, tools, and resources you would expect to find at a regional one. We are committed to offering competitive pay and benefits to include an annual discretionary bonus, health/dental/vision insurance, 401(k) profit sharing, group life insurance, group short/long term disability, paid time off, and education assistance.

Whether it's delivering excellent customer service, being staffed with the best trained employees, maintaining a strong reputation, providing value by offering superior products and services, or engaging in our communities, we strive to ensure we truly are "the only bank you'll ever need!"

Must apply online at

Troy Bank and Trust is committed to serving the needs of its community and has been doing so for over 100 years. Learn more about us at

Equal Opportunity Employer/Veterans/Disabilities

Equal employment opportunity, including veterans and individuals with disabilities.