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Title: Client Scam Intervention Specialist | Evening Shift (2:00 PM-10:00 PM)

Requisition ID: 274293
Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture.

Purpose

The Client Scam Intervention Specialist is responsible for protecting clients and the Bank by reviewing scam-related alerts and referrals, assessing scam risk, and engaging directly with clients who may be under the influence of a scammer. The analyst uses empathy, active listening, sound judgment, and persuasive communication to help clients recognize manipulation, interrupt the scam, and take appropriate steps to prevent or limit financial loss. The role completes timely case decisions and documentation while delivering a respectful, client-focused experience.

Key Accountabilities

- Champions a customer focused culture to deepen client relationships and leverage broader Bank relationships, systems and knowledge.
- Review and action scam-related alerts and referrals received from Fraud Detection, branches, contact centres, business lines, and other internal partners.
- Assess customer activity, transactional patterns, payment details, account history, and available case information to identify indicators of scam victimization and determine the level of risk.
- Identify indicators of client vulnerability, including age-related, cognitive, language, financial, social-isolation, accessibility, or other factors, and apply enhanced safeguarding and escalation protocols in accordance with Bank policy.
- Recognize behavioural indicators of social engineering, including coercion, secrecy, urgency, grooming, authority exploitation, remote coaching,



and scripted responses, and incorporate these indicators into the scam-risk assessment.
- Contact clients promptly to validate activity, understand the circumstances, and determine whether a fraudster is directing, coaching, pressuring, or manipulating the client.
- Use approved communication channels and coordinate with branches or internal partners, where appropriate, to interrupt suspected scam activity and deliver timely prevention messaging.
- Use empathetic and effective questioning, active listening, and influencing techniques to help the client pause, reconsider the transaction, and recognize scam warning signs, commonly referred to as helping the client “break the spell.”
- Provide clear scam education and practical guidance that helps clients protect their accounts, devices, personal information, and future transactions.
- Take or recommend appropriate risk‑mitigation actions in accordance with approved authorities, policies, procedures, and escalation requirements.
- Initiate or coordinate payment holds, recalls, recovery efforts, beneficiary reviews, account protections, and specialized escalations where appropriate and within approved authorities.
- Complete accurate and timely case notes that clearly document the investigation, client interaction, decision rationale, actions taken, referrals made, and outcome.




- Manage assigned work within established service levels, queue priorities, quality standards, and productivity expectations.
- Provide a best‑in‑class client experience by treating clients with dignity and patience, particularly when they are distressed, resistant, embarrassed, or unwilling to accept that they may be involved in a scam.
- Identify emerging scam methods, common narratives, payment destinations, repeat beneficiaries, and other trends, and share observations with leadership and relevant fraud strategy or analytics partners.
- Capture and share actionable intelligence related to suspected scammers, mule accounts, beneficiaries, payment destinations, devices, digital identifiers, scam scripts, and recurring patterns to support broader disruption and detection strategies.
- Collaborate with Fraud Detection, Application Fraud, Investigations, Fraud Strategy, Fraud Analytics, branches, contact centres, and other business partners to support coordinated disruption activities.
- Understand how the Bank’s risk appetite and risk culture should be considered in day‑to‑day activities and decisions.
- Contribute to effective and productive operations while maintaining adherence to applicable operational risk, regulatory compliance, AML/ATF, privacy, conduct, and business‑control requirements.
- Support continuous improvement by recommending enhancements to alerts, referral criteria, scripts, client education, procedures, training, and reporting.
- Serve as a scam‑intervention subject matter resource by sharing best practices, supporting peer coaching, and participating in pilots, tes

📌 Client Scam Intervention Specialist | Evening Shift (Canada)
🏢 Scotiabank
📍 Canada