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Risk Analyst

TCM Bank, N.A.

TCM Bank, N.A., a subsidiary of ICBA Bancard, serves as a trusted advisor to community banks, helping them build and strengthen customer relationships with fully branded consumer and business credit card programs. TCM’s services include credit card program consulting, portfolio acquisition, product development and agent bank sponsorship choices. 

Like our parent organization, ICBA Bancard, TCM Bank is committed to Main Street America. We base our operations in the U.S., including our Customer Contact Center. We believe the cardholders we serve are first and foremost our agent banks’ customers. Our priority is making sure our customers receive the same personal attention they get when they walk into a community bank branch. Plus, we do not cross-sell banking or retail products to our agents’ customers. TCM’s only product is credit cards.   

In addition, a portion of our profits go back into programs that benefit our community banks. This is what sets TCM Bank apart from the other agent programs in the marketplace.

Risk Analyst

Summary

The Risk Analyst proactively assesses current and future reporting needs and plays an active role in risk and financial analysis, ad hoc and monthly reporting designed to minimize the bank’s exposure to credit and fraud losses. Makes recommendations for process improvements that support reduced exposure. Responsible for the implementation of policies and programs designed to prevent, detect, identify and resolve fraudulent activity. Additional responsibilities include assisting with and reporting to regulators, auditors, and management.

GENERAL DUTIES & RESPONSIBILITIES:

Conduct various analytical studies related to overall portfolio management.
Monitor and validate data integrity.
Identify, analyze, and interpret trends and patterns in complex data sets.
Analyze fraud trends and risk factors throughout the account lifecycle to provide recommendations for loss mitigation to management.
Evaluate fraud detection parameters to ensure fraud mitigation strategies are effective. Includes but is not limited to authentication and authorization rule writing.
Serve as fraud subject matter expert and provide ad hoc reports and research as needed.
Analyze credit loss trends and risk factors to provide recommendations for loss mitigation and recovery efforts to management.
Prepare reporting and performance updates for management.
Support audit evaluations as needed.
Participate in job-specific training and required bank training programs.
Perform other related duties as assigned.

EDUCATIONAL REQUIREMENTS:

A four-year degree in finance, accounting, management information systems, or equivalent work experience.   

GENERAL KNOWLEDGE, SKILLS & ABILITIES:

Minimum of 2 years of experience in the financial services industry.
Knowledge of bank regulations (e.g. BSA, OFAC, Reg Z, Reg O).
Strong analytical, problem-solving, time management, interpersonal and decision-making skills. Self-motivated with high level of initiative.
Ability to recognize non-obvious activity patterns.
Ability to conduct creative and innovative research, retrieve and organize data to prepare reports and presentation materials.
Experience with fraud monitoring strategies/rules.
Ability to successfully handle multiple priorities, meeting deadlines.
Excellent oral and written communication skills to audiences of various levels in the organization (e.g., executive, management, individual contributors).
Strong SQL and MS Excel skills. Experience with reporting and visualization tools is a plus.

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