Are you someone who seeks opportunity and has a true desire to grow your career with an organization that has enriched the lives of its clients and communities in the Greater Washington region for more than 150 years? If so, Sandy Spring Bank may be the perfect fit for you!

Sandy Spring Bank is a growing financial services company focused on creating real experiences for our employees, clients, shareholders and communities. We are proud to have been certified as A Great Place To Work, recognized by The Washington Post and the Baltimore Sun as a Top Workplace, by Forbes magazine as the #1 Bank in Maryland. It is our employees who play an integral role in shaping who we are as a company and upholding what matters most to us: people and relationships.

To help us attract the highest quality individuals, we offer a comprehensive benefits package to those who qualify. We offer competitive market salaries, paid time off, multiple retirement savings options, full health care options, life insurance, health care and dependent care flexible spending accounts, career development opportunities, tuition assistance and volunteer opportunities. We are proud to offer those, and so much more, making Sandy Spring Bank a remarkable place to work and build a career.

Sandy Spring Bank is currently recruiting for a Fraud Investigator. Under normal supervision, the successful candidate will perform a variety of analytical reviews to detect and prevent fraud losses. Reviews fraud alerts, conducts fraud investigations, completes SARs, and performs administration duties in addition to physical security duties such as bank wide alarm code management, and access control entries and maintenance. Makes sound decisions in a timely manner using independent judgement to protect the assets of the organization and its clients. Follows established policies and procedures to ensure compliance with Regulation CC, Regulation E, the Uniform Commercial Code and other regulatory laws. Will deal directly with peers at other financial institutions, as well as, with members of law enforcement to investigate criminal activity perpetrated against the bank. Consistently provides remarkable client experiences to both internal and external clients by following Sandy Spring Bank's Principles.

MAJOR JOB ACCOUNTABILITIES:

Reviews various fraud detection and prevention platforms that alert on suspected fraud activity to determine need for further investigation. Fraud alerts generated can be associated with a deposit, loan or card account, counterfeit or altered check, wire transfer, ACH, P2P, external transfer, mobile, ATM, remote or in branch deposit, business email compromise, identify theft, elder abuse, kiting suspect, internal case, and more. Utilizes various tools such as Lexis Nexis, Thomas Reuters, CBC, MABS and SAFI, ChexSystems, Alloy, and other relevant sources to obtain information. Conducts additional research, gathers evidence and data, and works closely with other departments to determine the best course of action to lower the risk of loss for the client and the Bank. Takes timely action to minimize losses and closes potential risk accounts. Assists other fraud investigators on case assignments.

Leads complex fraud investigations in a timely and unbiased manner. Documents all investigative activities including interviewing witnesses or suspects and taking statements, gathering financial documents related to investigation, analyzing data to detect irregularities in areas such as financial fraud, relationships, and regulatory compliance, and prepares written reports of investigation findings. Coordinates investigative efforts with law enforcement officers and in house attorneys. Recommends actions in fraud cases, coordinates reviews of cases with Financial Crimes Division, and files Suspicious Activity Reports (SAR) with FinCEN. Negotiates with responsible parties or other financial institutions to arrange for recovery of losses due to fraud. Prepares evidence for presentation in court and testifies in court regarding investigation findings.

Maintains knowledge of current events and trends in areas such as financial fraud, financial crimes, and tools and techniques criminals utilize to perpetrate fraud. Recommends preventive measures and implements practices to minimize fraud schemes. Advises consumer and business clients or agencies on ways to improve fraud detection. May coordinate fraud detection and prevention activities and training, providing advice on methods and best practices for both internal and external clients. Trains with team members in fraud detection and prevention techniques.

Maintains the Security Department's alarm and access control databases. Enters alarm code information for new employees and deletes the codes for terminated employees. Grants new employees access control credentials to include personal data and images to the access control system. Sets access levels based on the employee's role within the organization. Manages the after-hours security and alarm cell phone for one week every month with 24/7 availability. Assists in conducting physical security branch audits as needed.

Provides clerical and administrative assistance to the Security Department by monitoring billing and allocation of expenses incurred by the department. Prepares and distributes branch fraud alerts. Monitors and tracks all restitution payments including Parole and Probation and other court ordered restitution agreements.

KNOWLEDGE, SKILLS, AND ABILITIES:

1. Work requires a minimum of 3 years of bank fraud prevention experience or prior experience in other risk management fields. Strong organizational skills and accuracy are required. Thorough understanding of laws related to fraud, check processing and electronic transaction processing. Aptitude for inquiry and research desired. Ability to handle multiple priorities and meet scheduled deadlines is required in a fast paced requirement.
   
   
2. Advanced problem solving skills are needed with an ability to gather, analyze, and interpret data from various sources as it applies to the assigned work tasks. The ability to combine pieces of information to form general rules or conclusions (includes finding a relationship among seemingly unrelated events). Strong organization skills are needed to maintain several active incident/cases simultaneously.
   
   
3. Experience using personal computer systems (including hardware and software) for word processing with an intermediate level of skill required to set up functions, enter data, or process information. Ability to properly document actions, write concise reports for review and future use in court or other administrative settings.
   
   
4. Work requires contact with diverse groups in furnishing and obtaining information which requires cooperation. Contacts may involve sensitive issues and must be handled with proper tact and professionalism. Excellent interpersonal and telephone skills necessary to represent the company in a professional manner, and maintain positive rapport within the organization. Excellent communication skills are needed including tact and discretion at times due to highly confidential information. Ability to conduct effective interviews professionally is required.
   
   
5. Work is under direct supervision of more experienced persons however independent judgment is usually required to make quick decisions. There is access to highly confidential information which requires employee's tact and discretion.

SPECIFIC PHYSICAL REQUIREMENTS:

Work requires reasonable mobility in and around the work area. Ability to use standard computer and phone systems is required

WORKING CONDITIONS:

Normal office environment where there is almost no discomfort due to temperature, dust, noise, or other disagreeable elements.

Work includes little or no potential exposure to hazardous conditions.

Must be able to travel to remote company and/or client locations.

The above statements are intended to describe the general nature and level of work being performed by people 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.

Sandy Spring Bank provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.

If you require a reasonable accommodation to apply for a position, please call our job line at 1-800-399-5919 and select option 5. Requests are considered on a case-by-case basis.

Sandy Spring Bank partners with various job boards to advertise our openings. Please visit our website, www.sandyspringbank.com to confirm the validity of the job posting to avoid any potential fraudulent activity. We encourage and recommend all candidates to apply via our website.