Investigator

Investigator

The Investigator supports our efforts to detect, investigate, and prevent fraud and financial crimes. This position investigates scams and other types of fraud including account takeovers, elder financial exploitation, identity theft, and internal fraud. This role collaborates with our BSA/Fraud team, branches, law enforcement, and 3rd parties to document cases, protect assets, and support regulatory compliance.

In-depth understanding of fraud schemes and scams (e.g., ACH fraud, wire fraud, elder financial exploitation, account takeover, and synthetic identity theft.) Familiar with BSA/AML regulations and SAR filing requirements. Ability to conduct end-to-end investigations, including evidence gathering and preservation, data analysis, and timeline construction. Experience with interviewing techniques to elicit information from victims, witnesses, and potential internal/external perpetrators.

Investigate reports of suspected fraud, including but not limited to: romance scams, wire fraud, elder exploitation, unauthorized transactions, identity theft, check fraud, and internal misconduct. Monitor member activity, fraud and anti-money laundering software (e.g. Verafin) alerts, and internal referrals to identify red flags and unusual behavior. Conduct interviews with members and employees, document findings, and recommend next steps. Work with BSA Officer and BSA staff to prepare and support Suspicious Activity Report (SAR) filings. Coordinate with law enforcement and other financial institutions as appropriate to support investigations, recover losses, and disrupt fraud activity. Provide fraud education and awareness to branch and back-office staff; assist in developing fraud-prevention messaging and alerts. Recommend improvement to processes, alerts, or controls for fraud mitigation efforts. Assist Director of Security and Investigations with fraud loss tracking and regulatory reporting.

Demonstrate sound judgement under pressure and in ambiguous situations. Translate complex investigative findings into clear and concise reports and presentations. Ability to manage sensitive issues with a high degree of integrity, confidentiality and ethical judgement. Strong collaboration and communication skills; able to work with staff across multiple departments and levels. Collaborate effectively with internal teams and external partners, i.e. law enforcement / peer financial institutions. Comfortable working with case management and fraud detection platforms. Proficient in Microsoft Office and comfortable learning new systems and investigative tools.

Minimum 2 years of experience in fraud investigation, BSA/AML compliance, or related risk management work within a financial institution or law enforcement agency. College coursework in criminal justice, business, or related field preferred. Combination of relevant education and professional experience that collectively demonstrates required knowledge, skill, and abilities will be considered. Communication Federal Credit Union is an equal opportunity employer. We value and strive to provide a diverse workplace free of discrimination. We do not engage in unlawful employment based on gender, gender identity, race, sex, sexual orientation, age, disability, religion, or national origin. We make every effort to provide an environment where every employee feels respected and valued.