Careers

Corporate Title: Legal Compliance Analyst

FLSA: Non-Exempt

EEOC Class: Individual Contributor

Department: Legal

Reports to: Assistant Corporate Secretary

Position Summary

The Legal & Compliance Analyst I reports into the Legal Department. The Analyst will (a) resolve Regulation E error claims, (b) monitor excessive transfers on non-transaction deposit accounts, and (c) ensure the Bank’s actions comply with applicable regulations, policies and procedures. The Analyst will also provide back-up support with processing garnishment orders and producing records for subpoenas and information requests.

Essential Duties and Responsibilities

• Perform comprehensive investigations for all customer claims of error or unauthorized use involving ATMs, debit cards, and other electronic fund transfers. Communicate investigatory findings in a timely and professional manner. Maintain accurate and complete records for cases.
• Use comparative analysis to determine if the account activity is normal or constitutes proactive steps to avoid further or potential losses to the Bank.
• Input incoming error claims through Fiserv, prepare and present chargeback reports and analytics to management, and perform excellent customer service with all points of contact.
• Monitor excessive transfer reports for deposit accounts and implement Bank’s procedures to prevent excessive transfers and withdrawals within the regulatory timeframe.
• Analyze garnishment orders and subpoenas to identify what records must be produced. Draft correspondence to third parties and include accurate and complete records that were requested. Follow up with third parties when necessary and liaise directly with law enforcement agencies.
• Perform other ad hoc duties upon request.

Key Experience

• Solid understanding of (i) Electronic Funds Transfer Act, (ii) Regulation E, (iii) VISA/Mastercard charge-back rights and rules, (iv) Regulation D, and (v) other applicable statutes and regulations.
• Deep experience with merchant processing activity, including, without limitation (a) gathering sales information from the merchant, (b) obtaining authorization for the transaction, and (c) reimbursing the merchant.
• Strong knowledge of daily branch operations and banking practices.

Qualifications

• Associate’s degree in business administration, accounting, or other relevant educational discipline.
• 3 years of working in banking or financial services, preferably in legal and/or compliance area.
• Experienced with Fiserv Premier Core Banking Platform preferred.

• Solid MS Word and Excel skills, and polished oral/written communication and interpersonal skills.

• Timeliness, proven analytical/problem solving skills, detail oriented, and collaborative.