What are the responsibilities and job description for the Fraud Investigator (Onsite) position at National Debt Relief, LLC?
Overview
The Fraud Investigator independently conducts complex investigations related to fraud across all non-card channels at Frontwave Credit Union. The position requires sound judgment, critical thinking, and strict adherence to Frontwave’s core values while mitigating fraud risk. Responsibilities include evaluating activity for potential Suspicious Activity Report (SAR) filings involving Zelle fraud, scams, elder financial exploitation, and law enforcement referrals, as well as reviewing high-risk transactions such as wire transfers, ACH, and digital payments to protect the Credit Union and its members.
About Frontwave Credit Union:
Frontwave Credit Union is a member-owned not-for-profit financial institution serving San Diego, Riverside, San Bernardino and Imperial counties. Founded in 1952, we have grown to 18 branches with 125,000 members and manage over 1.8 billion in assets. At Frontwave Credit Union, we are focused on creating consumer solutions to provide our members and the communities we serve with products and services that enhance the quality of life for our members through exceptional service and the progressive application of technology.
What’s In It For You:
Competitive pay, 401k matching, mortgage and auto discounts.
9-27 days of PTO per year (based on tenure), VTO and 11 paid holidays.
Affordable medical, dental, vision health plans, and Flexible Spending Account.
Employee Assistance Program with a variety of services.
Career development, training, and coaching, mentoring; tuition reimbursement up to $4,000/year.
Culture of excellence and continuous improvement.
We strive to be the best place you’ve ever worked!
Responsibilities
Essential Duties and Responsibilities: Includes the following non-inclusive list. All duties are to be performed in compliance with applicable laws, regulations, and Credit Union policies and procedures:
Education and/or Experience
High School Diploma or GED.
Associate’s degree in criminal justice, Business or related experience is preferred. Four plus years’ experience in fraud investigations field. Experience in dealing with state, federal or local law enforcement agencies on investigation of financial crimes or fraud, and criminal case filings preferred.
Must possess a minimum of one of the following professional certifications or willingness to obtain within six (6) months of hire:
Certified Fraud Investigator, California Financial Crimes Investigators Association (or) Certified Financial Crimes Investigator, International Association of Financial Crimes Investigators, Certified Fraud Examiner, Association of Certified Fraud Examiners, Licensed Private Investigator.
Salary Range: $24.46 - $36.69
Service Excellence Standards
When joining Frontwave Credit Union, you can expect to be a part of a workforce committed to the following Service Excellence standards:
The Fraud Investigator independently conducts complex investigations related to fraud across all non-card channels at Frontwave Credit Union. The position requires sound judgment, critical thinking, and strict adherence to Frontwave’s core values while mitigating fraud risk. Responsibilities include evaluating activity for potential Suspicious Activity Report (SAR) filings involving Zelle fraud, scams, elder financial exploitation, and law enforcement referrals, as well as reviewing high-risk transactions such as wire transfers, ACH, and digital payments to protect the Credit Union and its members.
About Frontwave Credit Union:
Frontwave Credit Union is a member-owned not-for-profit financial institution serving San Diego, Riverside, San Bernardino and Imperial counties. Founded in 1952, we have grown to 18 branches with 125,000 members and manage over 1.8 billion in assets. At Frontwave Credit Union, we are focused on creating consumer solutions to provide our members and the communities we serve with products and services that enhance the quality of life for our members through exceptional service and the progressive application of technology.
What’s In It For You:
Competitive pay, 401k matching, mortgage and auto discounts.
9-27 days of PTO per year (based on tenure), VTO and 11 paid holidays.
Affordable medical, dental, vision health plans, and Flexible Spending Account.
Employee Assistance Program with a variety of services.
Career development, training, and coaching, mentoring; tuition reimbursement up to $4,000/year.
Culture of excellence and continuous improvement.
We strive to be the best place you’ve ever worked!
Responsibilities
Essential Duties and Responsibilities: Includes the following non-inclusive list. All duties are to be performed in compliance with applicable laws, regulations, and Credit Union policies and procedures:
- Meet departmental goals and objectives.
- Review and analyze fraud alerts and account activity to identify suspicious or unusual behavior across non‑card channels.
- Analyze transactional and historical data, including wires, ACH, and Zelle, to detect fraud and determine appropriate action.
- Conduct fraud investigations to assess risk and determine Suspicious Activity Report (SAR) filing requirements, including cases involving Zelle fraud, scams, and elder financial exploitation.
- Take risk‑based actions to mitigate fraud, including placing account holds, restricting services (including Zelle), recommending account closure, and coordinating recovery efforts.
- Prepare and maintain accurate investigative documentation, including SAR narratives, reports, declarations, and evidence for potential criminal action.
- Coordinate with members, internal departments, law enforcement, Adult Protective Services (APS), and external partners while providing excellent member service and fraud‑prevention education.
- Monitor fraud trends, losses, and internal controls; identify system or process weaknesses and present findings and recommendations to management.
- Maintain current knowledge of fraud trends, regulatory requirements, and industry best practices.
- File all necessary reports as required by regulations timely, which includes but is not limited to timely APS and SAR filings.
- Maintain proficiency in all aspects of BSA/AML compliance.
- Perform other duties as assigned.
Education and/or Experience
High School Diploma or GED.
Associate’s degree in criminal justice, Business or related experience is preferred. Four plus years’ experience in fraud investigations field. Experience in dealing with state, federal or local law enforcement agencies on investigation of financial crimes or fraud, and criminal case filings preferred.
Must possess a minimum of one of the following professional certifications or willingness to obtain within six (6) months of hire:
Certified Fraud Investigator, California Financial Crimes Investigators Association (or) Certified Financial Crimes Investigator, International Association of Financial Crimes Investigators, Certified Fraud Examiner, Association of Certified Fraud Examiners, Licensed Private Investigator.
Salary Range: $24.46 - $36.69
Service Excellence Standards
When joining Frontwave Credit Union, you can expect to be a part of a workforce committed to the following Service Excellence standards:
- We see it. We own it. We get it done.
- We ignite positive experiences.
- We do things right every time.
- We are collaborators - united, cohesive and engaged
- We innovate and evolve.
- We create memorable experiences for life.
- We starts with me.