Texas Capital is built to help businesses and their leaders. Our depth of knowledge and expertise allows us to bring the best of the big firms at a scale that works for our clients, with highly experienced bankers who truly invest in people’s success — today and tomorrow.
While we are rooted in core financial products, we are differentiated by our approach. Our bankers are seasoned financial experts who possess deep experience across a multitude of industries. Equally important, they bring commitment — investing the time and resources to understand our clients’ immediate needs, identify market opportunities and meet long-term objectives. At Texas Capital, we do more than build business success. We build long-lasting relationships.
Texas Capital provides a variety of benefits to colleagues, including health insurance coverage, wellness program, fertility and family building aids, life and disability insurance, retirement savings plans with a generous 401K match, paid leave programs, paid holidays, and paid time off (PTO).
Headquartered in Dallas with offices in Austin, Fort Worth, Houston, Richardson, Plano and San Antonio, Texas Capital was recently named Best Regional Bank in 2024 by Bankrate and was named to The Dallas Morning News’ Dallas-Fort Worth metroplex Top Workplaces 2023 and GoBankingRate’s 2023 list of Best Regional Banks. For more information about joining our team, please visit us at www.texascapitalbank.com.
Responsibilities:
The Consumer Digital Risk Analyst is responsible for supporting prospect & customer monitoring and product strategy for our consumer onboarding identity verification, and risk mitigation solutions. In this role, the analyst will help develop and enhance identity risk solutions, analyze fraud trends, and collaborate with cross-functional teams to ensure all controls are effectively implemented, monitored, and maintained, with a particular emphasis on regulatory requirements and internal policies.
Prospect & Customer Monitoring and Analysis
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Analyze account opening and online banking data to detect emerging trends, fraudulent activities, and assess risk exposure.
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Work closely with risk partners to gather and report insights that can help reduce fraud and enhance fraud detection solutions.
Data Management and Reporting
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Research, collect, and analyze customer data to provide insights and recommendations for data-driven solutions to optimize onboarding funnel.
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Prepare and maintain regular reports on fraud incidents, account opening risk patterns, and overall performance of monitoring activities.
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Establish and monitor KPIs to measure the completeness and effectiveness of prospect & customer monitoring solutions and processes.
Workflow Management and Execution
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Develop and maintain automated rules within the identity verification system to flag potential high-risk applicants based on established risk parameters.
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Validate and test changes to automated rules to ensure updates align with business objectives and do not introduce vulnerabilities.
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Partner with the Identity Risk Solution Product Owner to develop and implement solutions that optimize account opening funnel.
Collaboration and Procedure Development
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Partner with internal stakeholders including Consumer Digital Product Owners and Operations to ensure robust and integrated account opening & online banking monitoring.
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Work with the Consumer Governance team to ensure onboarding identity verification processes are consistent with regulatory requirements related to Know Your Customer (KYC) and Anti-Money Laundering (AML) regulations.
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Provide training and guidance to relevant teams on monitoring processes.
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Develop, document, and maintain procedures.
Qualifications:
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Bachelor’s degree in business administration or related field.
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Minimum of two (2) years of experience, preferably one year of consumer, operations, fraud, or digital banking experience.
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Strong analytical skills to identify root causes of potential risks and develop effective solutions.
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Proficiency in data analysis tools and techniques to extract meaningful insights from large datasets.
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Familiarity with Know Your Customer (KYC) and Anti-Money Laundering (AML) and other relevant regulations.
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Experience with identity verification tools is preferred.
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Strong written and verbal communication skills.
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Detail-oriented with the ability to work independently and within a team.
The duties listed above are the essential functions, or fundamental duties within the job classification. The essential functions of individual positions within the classification may differ. Texas Capital Bank may assign reasonably related additional duties to individual employees consistent with standard departmental policy.Texas Capital is an Equal Opportunity Employer.
Top Skills
What We Do
Our expert bankers are committed to helping your business build and grow. Equipped with experience-based insights and a proven record of implementing custom solutions for clients, we can help you with a suite of business lending, investing and financial management services that see you through every step of the way.
Our client-centric culture thrives because we attract, develop and engage the most experienced and diverse experts in their fields. Over the years, we've developed a supportive culture that values collaboration, rewards performance and respects the well-being of its team members. We know our people are our greatest asset, so we give them the resources and support they need to be successful. Our personal approach has enabled us to deliver exceptional value for our clients for more than two decades — an achievement we’re proud to continue.
Explore a career at Texas Capital Bank: https://www.texascapitalbank.com/who-we-are/careers
Texas Capital Bank is a wholly owned subsidiary of Texas Capital Bancshares, Inc. (NASDAQ®: TCBI). For more information, please visit www.texascapitalbank.com. Member FDIC. NASDAQ®: TCBI. Equal Housing Lender.
Texas Capital Bank and its subsidiaries are equal opportunity employers and do not discriminate on the basis of any protected trait including sex, sexual orientation, gender identity, race, ethnicity, disability, or veteran status. Please view our EEO Policy to learn more: https://www.texascapitalbank.com/equal-employment-opportunity-policy
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