Job Description
**WHO WE ARE**HomeEquity Bank is a Schedule 1 Canadian chartered bank and the leading national provider of reverse mortgages, with a growing portfolio. As the only bank solely dedicated to serving homeowners 55 and up, we’re passionate about helping Canadian homeowners live retirement on their terms. We live that commitment every day, with a range of reverse mortgage solutions that include our flagship CHIP Reverse Mortgage product.
**OUR VALUES, OUR PASSION**At HomeEquity Bank, our values drive and inspire our actions with our customers, our partners and each other.* Customer-Focused. Passionate Advocates* Courage to Act. Do the Right Thing* One Team. One Vision* Think Long-Term. Ever-Evolving* Be Exceptional. Inspire Greatness**POSITION SUMMARY**The Senior Client Trust and Fraud Prevention Analyst will play a critical role in protecting both customers and the Bank by detecting, preventing, investigating, monitoring, and reporting fraud, including elder financial abuse. This role strengthens client trust by raising fraud-risk awareness and driving initiatives that enhance the Bank’s fraud-management capabilities across all operational processes, with a specific focus on safeguarding vulnerable clients from financial harm.As the Bank continues its growth journey, the Senior Analyst will collaborate with cross-functional partners to help build and mature the Fraud Operations strategy, controls, and practices.**MAJOR ELEMENTS OF THE ROLE****Key accountabilities of this position include:****Fraud Prevention, Detection & Investigation:*** Support investigations of suspicious, escalated, or complex fraud cases.* Coordinate with internal stakeholders, external legal counsel, law enforcement, and industry partners as appropriate.* Conduct root-cause analysis and recommend updates to processes, procedures, and controls.* Analyse transactional data, behavioural patterns, documentation, and system-generated alerts to detect suspicious activity.* Conduct ongoing monitoring of attempted and confirmed fraud events and prepare timely reporting.**Operational Support & Risk Management:*** Support the day-to-day operations of the Fraud Department to ensure effective execution, assessment, maintenance, and monitoring of key risks.* Identify fraud risks associated with the Bank’s products, services, processes, and client base.* Collaborate with internal stakeholders to address issues and provide guidance and advice when required.* Become fully familiar with, and proficient in, the Bank’s processes, systems, and fraud-related workflows.* Work closely with business units to ensure fraud-risk information is communicated, escalated, and actioned appropriately.* Prepare ad hoc reports and take on additional assignments as required.**Industry Awareness & Governance:*** Remain current on industry best practices related to consumer protection, elder exploitation, deceptive practices, and fraud-prevention standards.* Ensure adherence to the Canadian Bankers Association (CBA) Seniors Code and contribute to strengthening the Bank’s client-trust framework.**SKILLS AND EXPERIENCE REQUIRED****Qualifications*** A college diploma or university degree is preferred.* Relevant industry certifications or accreditations are an asset* 5+ years of relevant experience within a regulated financial institution. Experience within a Reverse Mortgage Institution is an advantage.* Experience working in an oversight or control function (Risk, Compliance, Legal, Fraud, 1B) with hands on exposure to detecting and investigating frauds and scams.**Attributes*** The ability to interpret complex, often ambiguous information and data.* The ability to understand and interpret mortgage documents (Client Statement, Legal Documents, Docusign Reports etc.) and detect anomalies and inconsistencies.* Advanced Knowledge of the CBA’s Senior Code* Strong detective and Investigative skills* Effective communicator; Exceptional written and oral communication skills* Strong judgment and ability to effectively process information and draw meaningful/persuasive conclusions.* Excellent analytical skills with the ability to assess complex issues and develop practical solutions* Self-motivated and a self-starter; Able to work independently and as part of a team having a “hands on” approach as well as appreciate diversity of thought and opinions.* Demonstrated ability to manage multiple complex engagements simultaneously.* Ability to adapt to rapidly changing business needs and priorities.**WORKING CONDITIONS UNIQUE TO JOB*** Hybrid work environment**Great Environment**HomeEquity Bank offers a hybrid working environment supported with a culture of flexibility – an approach that is unique to each person, and that enables both business and individual needs to be met in a mutually beneficial way.We pride ourselves in recognizing and celebrating performance, community service, teamwork, and diversity among our employees.**A Dynamic Culture – With People at the Centre**We believe our people make all the difference; our tireless commitment to inclusivity, professional development, and employee experience has been recognized through awards including the Greater Toronto’s Top Employers 2024,Waterstone Canada's Most Admired Corporate Cultures 2022-2023, the Globe and Mail's Report on Business: Canada's Top Growing Companies 2022 (third year since 2019), Canadian's Mortgage Professional (CMP) Top Mortgage Employer 2023 for the third year in a row and Achievers Top 50 Most Engaged Workplaces 2023. **Growth and Opportunities**
We provide challenging and rewarding careers in a wide variety of fields. We continuously develop and train our employees through professional growth opportunities and on-the-job training. We also encourage our employees to develop professionally and personally though a series of career developing programs including our Educational Assistance Program, designed to reimburse costs related to professional learning and development.**Celebrating Great Work and People**We believe in an environment that celebrates success, knowledge, leadership, and work that is inspired by our core values. For these reasons, we have created several programs that make it easy for our employees to say ‘great job’ to their colleagues and leaders.From our Appreciate! Program to the High Five Award Program and President’s Award Program, we recognize professional achievement with a variety of rewards including points towards gift cards, merchandise, and travel experiences, as well as group RRSP/DPSP contributions and more.Our Community Leadership Program recognizes employees who make a positive impact in their communities through volunteer work with a grant for their charity of choice. Additionally, we provide employees with one paid day off each year to volunteer at their favourite local charity.**The Perks (for eligible employees)*** HomeEquity Bank offers a competitive total rewards package that includes:* Extended health and dental benefits* Employee & Family Assistance Program* Employer-Matched Group Retirement Savings Plan* Employee Share Investment Plan* Well-being initiatives including: a wellness account; virtual self-care programs and extended mental health benefits* Employee corporate discount for GoodLife FitnessHomeEquity Bank is committed to an inclusive, equitable and accessible workplace. Accommodations are available on request for candidates taking part in all aspects of the selection process. To request accommodation, please contact your recruiter.Please note that our successful candidate is required to complete a background check.**Stay in the Know**Find out what we’re up to online, and learn more about what makes HomeEquity Bank a great place to work:Join Us! If you’re ready to build the future of reverse mortgages, we want to hear from you.
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