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Senior Fraud & Claims Operations Representative

Remote Posted Jul 08, 2026 0 views

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Wells FargoJobs
Senior Fraud & Claims Operations Representative

Senior Fraud & Claims Operations Representative

Posted 8 Hours Ago
Be an Early Applicant
Charlotte NC USA
Hybrid
Senior level
Fintech • Financial Services
Wells Fargo: Tech-powered. Innovation-led. We're transforming financial services.
The Role
Investigate research and resolve fraud alerts and claims across payment channels (cards ACH checks wires online). Interact with customers and internal partners via phone perform complex investigations mitigate risk make case decisions and mentor less experienced staff while suggesting process improvements.
Summary Generated by Built In
Why Wells Fargo
Are you looking for more? Find it here. At Wells Fargo we're more than a financial services leader - we're a global trailblazer committed to driving innovation empowering communities and helping our customers succeed. We believe that a meaningful career is much more than just a job - it's about finding all of the elements to help you thrive in one place.
Living the Well Life means you're supported in life not just work. It means having robust benefits competitive compensation and programs designed to help you find work-life balance and well-being. You'll be rewarded for investing in your community celebrated for being your authentic self and empowered to grow. Join us!
About this role:
Wells Fargo is seeking a Senior Fraud & Claims Operations Representative within Consumer & Small Business Banking (CSBB) Operations. This role is part of the Fraud Alert Investigation & Resolution team which plays a critical role in protecting Wells Fargo customers and the company from financial fraud.
In this position you will investigate research and resolve a wide range of fraud alerts and claims including those involving ATM debit card credit card deposit/check ACH online banking wire transfer and other payment-related fraud. The team also handles complex cases involving identity theft account takeover relationship fraud and fraudulent account origination activity.
Working in a fast-paced call center environment team members partner closely with customers branch teams Personal Bankers and other internal business groups when potential fraud is identified. Key responsibilities include reviewing suspicious activity mitigating risk assisting customers through the resolution process conducting fraud investigations and taking appropriate actions to protect customer accounts and Wells Fargo assets.
This team serves as a critical line of defense against fraud helping to minimize financial losses while delivering exceptional customer service during sensitive and often urgent situations.
In this role you will:
  • Support fraud and claims functional area by proactively identifying opportunities to improve customer experience and offer ideas to mitigate risks through effective authentication of customers in order to detect and prevent fraudulent activity
  • Perform complex customer support tasks by utilizing solid communication (inbound and outbound) verbal and written skills to establish rapport with customer and to deescalate difficult as well as sensitive information researched as a part of resolving a claim
  • Oversee multiple claim types take appropriate action to decision the case using multiple systems and applications and may contact third parties for research as needed
  • Review in-clearing checks and ACH items that suspect as potential fraud from various fraud applications for consumer small business and brokerage accounts
  • Provide feedback and present ideas for improving or implementing processes and tools within fraud and claims functional area
  • Provide subject matter knowledge and interpretation of procedures to less experienced staff
  • Interact with fraud and claims functional area on a wide range of information as well as with external customers
  • Make both inbound and outbound customer contact to confirm transactions; this position is 100% phone support
Required Qualifications:
  • 2+ years of customer service support experience or equivalent demonstrated through one or a combination of the following: work experience training military experience education
Desired Qualifications:
  • 18+ months of experience in fraud investigations claims operations fraud servicing or a related risk and control environment.
  • Customer service experience in a fast-paced call center environment including handling both inbound and outbound customer interactions with professionalism and empathy.
  • Experience supporting Wells Fargo customers through fraud-related events including debit card credit card ACH check online banking account takeover identity theft or other payment-related fraud investigations.
  • Ability to effectively navigate difficult conversations de-escalate customer concerns and provide solutions while delivering an exceptional customer experience.
  • Experience managing high call volumes and production-based workloads while maintaining accuracy quality and adherence to established procedures.
  • Strong analytical investigative and critical-thinking skills with the ability to identify fraud trends assess risk and make sound business decisions.
  • Demonstrated attention to detail with the ability to review account activity analyze transaction patterns and identify suspicious or potentially fraudulent activity.
  • Excellent verbal written and interpersonal communication skills including the ability to clearly explain complex information to customers and business partners.
  • Ability to interpret and apply policies procedures regulatory requirements and operational guidelines in a consistent manner.
  • Proven ability to handle sensitive and confidential customer information while maintaining a high level of professionalism and integrity.
  • Experience collaborating with business partners branch teams contact centers and cross-functional stakeholders to achieve customer and business objectives.
  • Strong organizational skills with the ability to prioritize multiple tasks adapt to changing business needs and meet performance expectations in a high-volume environment.
  • Intermediate Microsoft Office skills including Outlook Word Excel and PowerPoint.
Schedule:
  • Available shifts: 9:00am - 5:30pm 10:00am - 6:30pm and 12:00pm - 8:30pm
Job Expectations:
  • Ability to attend and successfully complete the full 3-week paid training program (Monday-Friday 8:30 a.m. - 5:00 p.m. EST).
  • Ability to work additional hours as needed to support business needs.
  • Must be able to work on-site at the posted location.
  • This position follows a hybrid work schedule(1 week in office 1 week remote) and is only available in the location listed.
  • Visa sponsorship is not available for this position
Job Locations:
141278-NC-CIC Customer Information Ctr 1525 W W T Harris Blvd CHARLOTTE NC 28262-8522
  • Required location(s) listed above. Relocation assistance is not available for this position.
Posting End Date:
8 Jul 2026
*Job posting may come down early due to volume of applicants.
We Value Equal Opportunity
Wells Fargo is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race color religion sex sexual orientation gender identity national origin disability status as a protected veteran or any other legally protected characteristic.
Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit Market Financial Crimes Operational Regulatory Compliance) which includes effectively following and adhering to applicable Wells Fargo policies and procedures appropriately fulfilling risk and compliance obligations timely and effective escalation and remediation of issues and making sound risk decisions. There is emphasis on proactive monitoring governance risk identification and escalation as well as making sound risk decisions commensurate with the business unit's risk appetite and all risk and compliance program requirements.
Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates including women persons with disabilities aboriginal peoples and visible minorities. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process.
Applicants with Disabilities
To request a medical accommodation during the application or interview process visit Disability Inclusion at Wells Fargo .
Drug and Alcohol Policy
Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy to learn more.
Wells Fargo Recruitment and Hiring Requirements:
a. Third-Party recordings are prohibited unless authorized by Wells Fargo.
b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.
#DNP-IND
#BI-Hybrid

Skills Required

  • 2+ years of customer service support experience (or equivalent via work training military education)
  • Ability to attend and successfully complete the full 3-week paid training program (Monday-Friday 8:30 a.m. - 5:00 p.m. EST)
  • Must be able to work on-site at the posted location and follow hybrid schedule (1 week in office 1 week remote)
  • Ability to work additional hours as needed to support business needs
  • 100% phone support (make inbound and outbound customer contact to confirm transactions)
  • 18+ months experience in fraud investigations claims operations fraud servicing or related risk and control environment
  • Customer service experience in a fast-paced call center environment handling inbound and outbound interactions
  • Experience supporting customers through debit/credit card ACH check online banking account takeover identity theft or payment-related fraud investigations
  • Ability to de-escalate difficult conversations and provide solutions while delivering exceptional customer experience
  • Experience managing high call volumes and production-based workloads while maintaining accuracy and quality
  • Strong analytical investigative and critical-thinking skills to identify fraud trends and assess risk
  • Demonstrated attention to detail to review account activity and identify suspicious transactions
  • Excellent verbal written and interpersonal communication skills
  • Ability to interpret and apply policies procedures regulatory requirements and operational guidelines
  • Proven ability to handle sensitive and confidential customer information with professionalism and integrity
  • Experience collaborating with business partners branch teams contact centers and cross-functional stakeholders
  • Strong organizational skills with ability to prioritize multiple tasks and meet performance expectations
  • Intermediate Microsoft Office skills including Outlook Word Excel and PowerPoint

Wells Fargo Compensation & Benefits Highlights

  • Healthcare StrengthHealth coverage begins on day 1 with medical dental and vision and includes mental health prescription drugs and preventive care often covered at 100% in-network. Well-being resources such as 24-hour clinical support and an Employee Assistance Program add to the breadth.
  • Parental & Family SupportPaid parental leave provides up to 16 weeks for a primary caregiver (4 weeks for non-primary) alongside fertility benefits and up to a $35000 lifetime reimbursement for adoption surrogacy and donor expenses. Backup child and adult care further supports family needs.
  • Retirement SupportRetirement benefits feature a 401(k) with company matching contributions up to 6% of eligible pay. An employee stock purchase plan adds another avenue for long-term savings.

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The Company
HQ: San Francisco CA
205000 Employees
Year Founded: 1852

What We Do

Wells Fargo & Company (NYSE: WFC) is a leading financial services company that has approximately $2.1 trillion in assets. We provide a diversified set of banking investment and mortgage products and services as well as consumer and commercial finance through our four reportable operating segments: Consumer Banking and Lending Commercial Banking Corporate and Investment Banking and Wealth & Investment Management. Wells Fargo ranked No. 33 on Fortune’s 2025 rankings of America’s largest corporations. Our technology professionals drive innovation information security and big data analytics while maintaining a network that handles more than 12 billion customer interactions a year. Join us! Are you looking for more? Find it here. At Wells Fargo we're more than a financial services leader – we’re a global trailblazer committed to driving innovation empowering communities and helping our customers succeed. We believe that a meaningful career is much more than just a job – it’s about finding all of the elements to help you thrive in one place. Living the Well Life means you’re supported in life not just work. It means having robust benefits competitive compensation and programs designed to help you find work-life balance and well-being. You’ll be rewarded for investing in your community celebrated for being your authentic self and empowered to grow. And we’re recognized for it – Wells Fargo once again ranked in the top three – making us the #1 financial services employer – on the 2025 LinkedIn Top Companies list of best workplaces “to grow your career” in the U.S. All qualified applicants will receive consideration for employment without regard to race color religion sex sexual orientation gender identity national origin disability status as a protected veteran or any other legally protected characteristic. © 2026 Wells Fargo Bank N.A. All rights reserved. Member FDIC.

Why Work With Us

We're known for our “Well Life” approach to supporting employees’ career aspirations work-life balance and mental and physical health. We ranked in the top 3 on the 2025 LinkedIn Top Companies list – and #1 among financial services companies – as the best workplace “to grow your career” in the U.S.

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