Fraud Investigator

Position Summary:

The Fraud Investigator is responsible for responding to reports of fraudulent activity, including but not limited to new accounts, VISA, ATM, checks, loans, and other branch or mobile transactions. Also assists in detecting and preventing fraud and other criminal violations.  Maintains quality service standards set by the organization.

Essential Duties and Responsibilities

• In cooperation with the Vice President, Fraud Investigations, investigates cases involving counterfeiting, forgery, check, card fraud, account and loan fraud.  As appropriate, reports such crimes to law enforcement for prosecution and restitution, and provides supporting information to achieve satisfactory resolution.
• Performs investigations of suspected and/or confirmed fraudulent activity.
• Profiles account activities for potential fraudulent transactions and/or activities and related losses; makes recommendations to proactively mitigate fraud activities.
• Performs investigations of suspected and/or confirmed elder financial abuse cases.
• Must demonstrate an unwavering ability to maintain strict confidentiality and to complete duties in a manner that consistently exhibits the utmost in discretion.
• Maintains and updates required reports in accordance with applicable policies, procedures and regulations.   Creates and updates reports and spreadsheets as needed, and performs other related clerical duties as assigned.
• Requires excellent written and oral communication skills, and the ability to manage multiple tasks and priorities in a seamless manner.
• Must provide excellent internal and external service to all contacts on a consistent basis.
• Assists with staff training and periodic updates on fraud related topics as needed.
• Assists with updates of computerized fraud systems.
• Daily/periodic review of critical reports that monitor suspicious activity.
• Participate in AML/BSA compliance training as assigned.  Adhere to credit union AML/BSA policy and procedures including CTR rules and form preparation, identify and refer suspicious activity to the Compliance Department, perform OFAC comparisons, and properly identify individuals in accordance with Branch Operations procedures.         

Other Duties and Responsibilities

• Perform other duties as assigned.

Physical Demands and Work Environment

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly required to use hands to finger, handle, or feel objects, tools, or controls and talk or hear.  The employee is frequently required to stand and reach with hands and arms.  The employee is occasionally required to walk; sit; climb or balance; and stoop, kneel, crouch, or crawl.

The employee must occasionally lift and/or move up to 25 pounds.  Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus.

The noise level in the work environment is usually moderate.

Minimum Qualifications (Education, Experience, Skills)

• Minimum of 3 years of hands-on experience in Loss Prevention/Fraud Investigation, preferably in a depository financial institution or law enforcement agency. For SDCCU employees only, minimum of 3 years experience in a role that has exposure to fraud prevention. Must be able to effectively articulate the relevance of the experience to this position. 
• Demonstrated success in a customer service role that included a commitment to exceptional service for internal and external contacts.
• Must have demonstrated the ability to organize and prioritize multiple tasks and timelines, while consistently meeting deadlines and delivering a quality work product.
• Must be a self-motivated, fast paced individual with the ability to be flexible and adaptable to changing deadlines or priorities.
• Effective verbal, written and interpersonal skills.
• Knowledge of regulations applicable to the credit union/financial services industry.
• Demonstrated strong computer skills, including Word and Excel.
• Knowledge of State and Federal laws and regulations as they pertain to research and investigation.
• Experience working with law enforcement agencies, conducting investigations and completing police reports.

Salary : $30 - $39