Financial Investigator

Starting pay for successful applicants is generally within the minimum to midpoint of the pay range. Our consideration for pay is designed to support career growth and development over time. Offers extended depend on a variety of job-related factors, including but not limited to individual experience, knowledge, training, education, geographic location, market demands and internal equity.

POSITION PURPOSE

The Financial Investigator I is a second-level position responsible for leading complex financial investigations, ensuring regulatory compliance, and enhancing fraud prevention strategies. Reports directly to the Fraud Operations Manager and will be a member of the Financial Investigations Unit within the Risk Management Department. This role requires extensive experience in BSA / AML compliance, fraud detection, and risk management. The Financial Investigator II will serve as a key resource for high-risk account monitoring, internal controls, and staff training. Performs all duties in accordance with the Credit Union’s policies and procedures, all state and federal laws, and regulations, where in the Credit Union operates.

ESSENTIAL FUNCTIONS AND BASIC DUTIES

BSA / AML Compliance :

• Lead complex investigations and ensure accurate and timely filing of Suspicious Activity Reports (SARs).
• Compile and file Currency Transaction Reports (CTRs) and Suspicious Activity Reports (SARs) as required by regulatory guidelines.
• Perform advanced quality control reviews on BSA / AML-related reports and regulatory filings, including CTRs and SARs.
• Perform quality reviews related to Regulation GG and business accounts.
• Conduct Enhanced Due Diligence (EDD) on high-risk accounts.
• Oversee ongoing monitoring and analysis of high-risk members, industries, and accounts.
• Ensure proper documentation and management of fraud investigations and SAR filings.
• Oversee and refine transaction monitoring processes to identify suspicious activity.
• Manage compliance with the Office of Foreign Assets Control (OFAC) regulations and sanctions screening.
• Assist in policy development and regulatory compliance updates.
• Provide expert analysis and reporting on BSA / AML compliance trends.

Fraud Prevention & Investigation :

Security & Risk Management :

Staff Support & Training :

Non-Essential Responsibilities :

PERFORMANCE MEASUREMENTS

Special Note : Fortera Federal Credit Union is an Equal Opportunity / Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to age, sex, race, color, national origin, disability, pregnancy, genetic information, religious preference, protected veteran status, sexual orientation, gender identity or any other trait protected by state or federal law.

Please be advised, visa sponsorship is not available for this position.

QUALIFICATIONS

Education / Certification :

Required Knowledge :

Experience Required :

Skills / Abilities :

PHYSICAL REQUIREMENTS OF THIS POSITION

Talking :

Finger dexterity

Average Hearing :

Repetitive Motions :

Average Visual Abilities :

Physical Strength :

Sedentary work; sitting most of the time.  Exerts up to 10 lbs. of force occasionally.  (Almost all office jobs.)

WORKING CONDITIONS

None :

MENTAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION

Reasoning Ability :

Mathematics Ability :

Language Ability :

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