About Working at Commerce Building a career here is more than just steps on a ladder. It’s about helping people find financial safety and success, helping businesses thrive, and making sure people and their money are taken care of. And our commitment doesn’t stop there. Our culture is about our people, the ones in our communities and the ones that work with us. Here, you’ll find opportunities to grow and learn, to connect with others, and build relationships with the people around you. You’ll have the space and resources to grow into the best version of yourself. Because our number one investment is you. Creating an award-winning culture doesn't come easy. And after 160 years, we know Commerce Bank is only at its best when our people are. If this sounds interesting to you, keep reading and let’s talk. Compensation Range Hourly: $18.55 - $21.40 (Amount based on relevant experience, skills, and competencies.) About This Job The main purpose of this job is to perform tasks designed to prevent, detect, analyze, investigate, and recover efforts to protect Retail/Commercial customers, and Commerce Bank as it relates to the overall effort to control Bank and/or Customer losses involving Check, ACH, Wire, and Online Banking Bill Payment fraud. Essential Functions + Prevent, investigate, recover potential fraud losses against Commerce Bank on checks, wires, ACH, and online bill payments + Prevent losses by identifying and contacting Bank officers or customers’ whose account activity indicates potential fraudulent use and determine what action to take on the account + Combine input from multiple sources including system analysis and inspection of check images and render judgment whether to pay or forward for further review / return + Articulate to branch personnel or customer the reason why an item is being flagged for further review and upon confirmation of fraud, next steps in an attempt to recover the funds + Perform other duties as assigned Knowledge, Skills & Abilities Required + Moderate knowledge of the banking industry and bank operations, including best practices + Knowledge, or ability to learn the check processing operations, including the flow of a check through the check clearing process and the return item processing deadlines + Knowledge, or ability to learn relevant operating systems (Branch Connections, DSS, RCIF, On-Demand, the Signature Verification System, The Online Customer Verification System, Highbond, Fiserv Fraud, and IAS) + Ability to learn how to read the legal amount on handwritten checks + Motivated and organized self-starter with attention to detail and the ability to manage multiple priorities while working independently + Inquisitive, agile, and team player with excellent written, verbal and interpersonal communication skills + Ability to remain adaptable and resilient to all situations with an optimistic outlook and cast a positive shadow that is aligned with our culture and Core Values + Basic level proficiency with Microsoft Word, Excel, Outlook, and SharePoint Education & Experience + Associate’s degree or equivalent combination of education and experience preferred + 1+ years bank experience required *** For individuals applying, assigned and/or hired to work in areas with pay transparency requirements, Commerce is required by law to include a reasonable estimate of the compensation range for some roles. This compensation range is for the Fraud Specialist - Deposit Services job and contemplates a wide range of factors that are considered in making compensation decisions, including but not limited to location, skill sets, education, relevant experience and training, licensure and certifications, and other business and organizational needs. The disclosed range estimate has not been adjusted for any applicable differentials (geographic, bilingual, or shift) that could be associated with the position or where it is filled. At Commerce, compensation decisions are dependent on the facts and circumstances of each situation. A reasonable estimate of the current base pay is $18.55 to $21.40 per hour . #LI-Hybrid The candidate selected for this position may be eligible for the following employment benefits: employer sponsored health, dental, and vision insurance, 401(k), life insurance, paid vacation, and paid personal time. In addition, we offer career development, education assistance, and voluntary supplemental benefits. Click here (https://careers.commercebank.com/us/en/benefits) to learn more. Location: 922 Walnut St, Kansas City, Missouri 64106 Time Type: Full time Commerce Bank has been awarded numerous awards for our company culture. We have been included on distinguished lists such as Forbes’ Best Midsized Employers, Forbes’ Best Employers for Women, and Korn Ferry’s Engaged Performance Award. You’ll see the difference for yourself when you join the team. Why Commerce? (https://www.commercebank.com/careers/about-commerce) Inclusion at Commerce How to Join Our Team (https://www.commercebank.com/careers/how-to-join-our-team) Want to be notified of positions that fit your preferences? Follow these easy steps: + Create a Candidate Account at the top of the page by selecting "Sign In" upper right corner + Sign-up up for Job Alerts + We’ll contact you about positions that match your skills and interests Equal Opportunity Employer Commerce Bank is proud to be an Equal Employment Opportunity employer and believes that every individual should have the opportunity to work at a job for which he, she or they qualifies. We celebrate diversity and do not discriminate based on race, color, ancestry, ethnicity, gender identity, gender expression, sex, sexual orientation, disability (including physical or mental handicap), age, veteran status, military status, national origin, religion, pregnancy status, marital status, genetic information, or any other status protected by applicable federal, state or local law.