Battle Bank Logo
Member FDIC logo
Battle Bank
Member FDIC logo
  • Metals & Loans
  • Foreign Currencies
  • Retirement
  • Cash & CDs
  • Business
  • FAQ’s

Banking Operations & Risk Analyst

Islandia, NY

Join in the Battle for Better Banking

Battle Bank is a national bank dedicated to helping savvy consumers rid themselves of their existing banking institutions that continue to offer little to no value in their financial relationships.  The bank’s mission is to revolutionize banking, as we believe clients deserve intuitive banking, high yields, access to precious metals and global markets and premium service.

Battle Bank, N.A. is seeking a Bank Operations & Risk Analyst to support daily banking operations while helping strengthen the Bank’s fraud prevention, operational risk, and control environment. This role is responsible for reviewing operational queues, transaction activity, fraud alerts, account servicing requests, and processing exceptions; investigating unusual or potentially fraudulent activity; documenting findings and root causes; and escalating risk events, control gaps, or suspicious activity as appropriate. The analyst will partner closely with Compliance, BSA/AML, Information Technology, Client Solutions, and other internal teams to resolve client-impacting issues, support audit and regulatory readiness, reduce operational losses, and promote consistent operating standards across banking operations.

 

The Bank Operations & Risk Analyst will report directly to the Head of Banking Operations and be a member of the Banking Operations team.  This is a full-time position, with a pay range of $80,000 – $100,000 annually depending on experience.  Battle Bank, N.A. offers a generous PTO policy, health, dental and vision insurance, term life AD&D insurance and employer contributions to a 401(K) plan.

Essential Duties and Responsibilities: To perform this job successfully, an individual must be able to perform the following satisfactorily; other duties may be assigned.

 

  • Perform and support daily Banking Operations functions, including account maintenance, deposit operations, payment operations, operational reporting, queue management, exception processing, and client account servicing activities.
  • Review, research, resolve, and document operational exceptions, account activity, transaction activity, returned items, processing issues, service requests, and potential control breakdowns.
  • Monitor operational work queues, reports, dashboards, system alerts, and exception items to ensure timely completion of tasks, accurate processing, and escalation of unresolved matters.
  • Support deposit and client account servicing activities, including documentation review, account updates, new account support, maintenance requests, online banking support, debit card support, ACH support, wire support, and other client-facing banking services.
  • Research and resolve client-impacting operational issues in coordination with Client Solutions, Compliance, Information Technology, vendors, and other internal stakeholders.
  • Support payment operations by reviewing transaction exceptions, failed or rejected items, returned items, posting issues, transaction research requests, and related operational inquiries.
  • Assist with reconciliation, quality control, operational balancing, report validation, and other control activities to ensure accurate and complete operational processing.
  • Conduct fraud investigations involving suspected account takeover, unauthorized activity, payment fraud, debit card fraud, ACH or wire concerns, unusual client behavior, suspicious activity referrals, transaction anomalies, and other fraud or operational risk indicators.
  • Review fraud alerts, system reports, transaction history, account activity, client communications, documentation, and available supporting evidence to determine whether activity appears authorized, suspicious, fraudulent, or requires additional escalation.
  • Prepare detailed fraud investigation notes, case summaries, timelines, decision rationale, loss exposure details, client impact assessments, and recommended next steps for management, Compliance, BSA/AML, audit, and regulatory review.
  • Identify and escalate confirmed or suspected fraud events, emerging fraud trends, repeat client or account concerns, control weaknesses, potential suspicious activity, and matters requiring SAR consideration or additional management review.
  • Partner with Compliance and BSA/AML teams to support fraud investigations, suspicious activity referrals, CIP, KYC, CDD, EDD, OFAC, sanctions, and SAR-related review processes.
  • Prepare clear written summaries, investigative findings, fraud case notes, incident documentation, operational updates, and supporting evidence for management, audit, compliance, and regulatory review.
  • Assist with the development, maintenance, and execution of operational controls, quality assurance reviews, risk assessments, procedure updates, process mapping, and process monitoring activities.
  • Track operational issues, root causes, corrective actions, service impacts, and remediation progress to ensure timely resolution and sustainable process and control improvements.
  • Support internal audits, external audits, regulatory examinations, and management reviews by gathering documentation, validating evidence, and responding to information requests.
  • Maintain accurate records in accordance with document retention, audit, operational, and regulatory expectations.
  • Collaborate with internal stakeholders to resolve documentation issues, client-impacting exceptions, system issues, vendor-related concerns, processing errors, and process gaps.
  • Consistently meet operational key performance indicators, quality standards, service expectations, production requirements, and established deadlines.

 

Competencies: To perform the job successfully, an individual should demonstrate the following.

 

  • Communication – Expresses ideas and findings clearly in both verbal and written form; documents rationale, decisions, and escalation details accurately; keeps employees and managers adequately informed; selects and uses appropriate communication methods.
  • Job Knowledge – Demonstrates knowledge of banking operations, deposit operations, payment processing, account servicing, fraud investigation practices, fraud typologies, operational risk, internal controls, and regulatory expectations; learns and applies new procedures and systems effectively; understands how the role supports efficient operations, fraud detection, loss mitigation, and broader bank risk management objectives.
  • Judgment – Exercises sound and timely judgment when reviewing operational tasks, fraud alerts, investigative findings, processing exceptions, risk events, and client activity; supports conclusions with facts and documentation; escalates matters appropriately.
  • Analytical Thinking – Reviews complex operational and investigative information, identifies fraud patterns, root causes, risk indicators, and process gaps, and develops practical recommendations to improve accuracy, efficiency, service, fraud prevention, and controls.
  • Organizational Support – Follows policies and procedures; completes administrative tasks accurately and on time; supports the Bank’s goals, values, and risk management standards.
  • Planning/Organizing – Prioritizes and plans work activities; manages multiple tasks and deadlines; uses time efficiently; follows through on assignments and open items.
  • Collaboration – Works effectively with Compliance, BSA/AML, Information Technology, Client Solutions, and other stakeholders to resolve issues and improve processes.
  • Confidentiality – Handles sensitive client, employee, financial, and investigative information with discretion and in accordance with Bank policy.

Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

  • Strong understanding of banking operations, fraud investigations, fraud prevention and detection practices, operational processing, account servicing, and operational risk principles.
  • Experience reviewing fraud alerts, fraud referrals, operational queues, exceptions, service requests, account maintenance items, transactions, fraud indicators, account activity, or operational issues in a financial institution environment.
  • Strong fraud investigation, analytical, research, documentation, and problem-solving skills.
  • High attention to detail, accuracy, documentation quality, and follow-through.
  • Ability to identify fraud trends, operational trends, risk trends, root causes, control gaps, processing errors, and process improvement opportunities.
  • Strong decision-making skills and ability to escalate matters appropriately.
  • Effective written and verbal communication skills, including the ability to prepare concise summaries for management, audit, and compliance review.
  • Ability to manage confidential financial information and sensitive investigations with discretion.
  • Ability to manage multiple priorities in a fast-paced, technology-driven, and paperless environment.
  • Proficiency with Microsoft Office Suite, especially Word, Excel, Outlook, and PowerPoint.
  • Experience with core banking systems, account servicing platforms, payment systems, case management systems, fraud monitoring tools, transaction monitoring platforms, online banking systems, debit card platforms, or reporting dashboards preferred.

Education/Experience: 3+ years of banking, financial services, fraud investigations, fraud operations, banking operations, deposit operations, payment operations, risk operations, BSA/AML, compliance, audit, or related financial institution experience preferred. Equivalent combinations of education, training, and experience may be considered. Certified Fraud Examiner (CFE) preferred.

 

Knowledge of:

 

  • Banking operations, deposit operations, payment operations, account maintenance, online banking support, debit card support, and client account servicing.
  • Operational processing, exception management, queue management, reconciliation, quality control, issue tracking, and service-level expectations.
  • Operational risk, internal controls, quality assurance, issue tracking, and remediation practices.
  • Fraud investigation practices, fraud risk indicators, account takeover typologies, identity theft, payment fraud, debit card fraud, ACH risk, wire risk, elder exploitation indicators, mule activity, unusual account behavior, suspicious activity escalation practices, and investigative documentation standards.
  • BSA, AML, OFAC, CIP, KYC, CDD, and EDD standards as they apply to banking operations.
  • Audit readiness, documentation standards, regulatory review expectations, and evidence retention.
  • Microsoft Office Suite and banking technology platforms.

Language Ability: Excellent written and verbal communication skills. Ability to articulate information clearly, prepare investigative summaries and reports, respond to questions from employees, managers, auditors, external parties, and business partners, and communicate operational, service, processing, fraud investigation, and risk matters in a professional and factual manner.

 

Mathematical Ability: Competent in mathematical operations, including addition, subtraction, multiplication, and division across all units of measure, incorporating whole numbers, common fractions, and decimals. Ability to accurately compute rates, ratios, percentages, balances, transaction amounts, reconciliation differences, exception totals, productivity metrics, service-level metrics, and related operational metrics.

 

Reasoning Ability: Ability to define problems, collect and analyze data, establish facts, document findings, and draw valid conclusions. Ability to solve practical problems, interpret written procedures, apply regulatory and policy requirements, evaluate operational exceptions, investigate fraud indicators, resolve processing issues, identify service impacts, and make sound recommendations in situations involving multiple variables.

 

Computer Skills: Demonstrated proficiency in Microsoft Office Suite, especially Word, Excel, Outlook, and PowerPoint. Experience with bank core systems, account servicing platforms, online banking platforms, payment systems, debit card systems, ACH or wire platforms, fraud monitoring systems, case management tools, reporting dashboards, transaction monitoring systems, or investigative research tools preferred.

 

Work Environment: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. This position requires regular attendance in the Islandia, NY office as determined by the Bank. The noise level in the work environment is usually moderate. The work environment is fast-paced and heavily reliant on technology. Individuals must be comfortable with computer systems, email, web-based applications, electronic records, and a paperless environment.

 

Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to sit. The employee is frequently required to talk, hear, and use their hands to execute tasks. The employee is occasionally required to stand and move around for work. The employee must be able to lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision.

 

The above job description is not intended to be an all-inclusive list of duties and standards of the position. 

How to Apply

To apply, send your resume to [email protected] 

 

Battle Bank, N.A. is an equal opportunity employer and will make all employment decisions without regard to race, color, religion, national origin, ancestry, age, sex, pregnancy, marital status, sexual orientation, gender identity, citizenship status, disability, veteran status or other protected status, in accordance with federal, state and local laws.

 

We are looking for direct candidate applications only. Please no recruiters or agencies. Relocation assistance is not available for this position.