Fraud Investigator

Job Title: Investigator I – Fraud & Loss Prevention

Location: Hybrid (Onsite 8am–5pm, Monday–Friday)
Job Type: Full-Time, contract 
Industry: Financial Services 

About the Role

We are seeking an Investigator I to support fraud detection, prevention, and investigative activities across real-time payments, deposits, and member accounts. This role helps protect the Credit Union from losses by reviewing suspicious activity, conducting case investigations, and ensuring all findings and actions are fully documented. The ideal candidate is detail-oriented, highly organized, and comfortable working independently once trained.

Key Responsibilities

• Monitor, review, and respond to fraud alerts using automated and manual tools.

• Conduct investigations into deposit fraud, account fraud, check fraud, and suspicious activity.

• Communicate with members to verify transactions, take fraud reports, and maintain a positive experience.

• Analyze cases, identify points of compromise, and document findings according to department procedures.

• Prepare and organize supporting documents for fraud cases, closures, and regulatory reporting.

• Collaborate with internal teams, other financial institutions, and law enforcement as needed.

• Ensure compliance with laws and regulations including BSA/AML, OFAC, Reg E, Reg CC, UCC, and Visa rules.

• Write and submit detailed BSA narratives for audit and potential SAR review.

• Track work performed and maintain accurate case records for reporting.

• Assist with fraud prevention training and serve as a resource for team members.

Required Qualifications

• Associate degree or equivalent combination of education and experience.

• 3–4 years of experience in a financial institution or law enforcement setting.

• Experience in fraud, AML/BSA, loss prevention, or card/deposit fraud investigations.

• Strong attention to detail and the ability to follow procedures and checklists consistently.

• Clear written and verbal communication skills.

• Ability to organize, save, and manage supporting documents.

• Proficiency with data entry and basic Excel functions.

• Ability to work independently after training and meet deadlines in a fast-paced environment.

Preferred Qualifications

• Experience with Verafin or similar fraud monitoring systems.

• Knowledge of Credit Union products, services, policies, and procedures.

• Familiarity with FRAML case handling, SAR preparation, and CTR basics.

• Experience collaborating with law enforcement or external institutions.

Work Environment

• Hybrid schedule with onsite hours Monday–Friday, 8am–5pm.

• Standard office equipment used (PC, phone, scanners, banking systems).

• Requires confidentiality, accuracy, and adherence to compliance standards.

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