Sr. Investigator

Our associates enjoy a one-of-a-kind culture with a rich benefits package that includes:

• Generous paid time off: 11 paid holidays, 2 floating holidays, 6 personal days, 10 vacation days, plus sick time
• Low-cost Medical, Dental & Vision plans - as low as $5 per pay period
• Paid childcare assistance (up to $96 per pay period)
• Award-winning 401(k) 5% discretionary match - fully vested from day 1
• 100% Gym fee reimbursement up to $75/month
• 100% Tuition Reimbursement Up to $5,250
• $1200/yr student loan repayment
• Plus a great schedule with NO WEEKENDS!
• Target hiring range $69K - $87K (Depending on experience and prior to any incentives this position is eligible for)

Summary

The Senior Investigator gathers evidence, analyzes information, and documents findings relevant to reports of known or suspected fraudulent activity perpetrated against or through OneAZ CU by a member or non-member. The role makes decisions about fraud regarding member impact and future steps. The Senior Investigator interacts with peers within and outside OneAZ CU as well as law enforcement, utilizing a wide range of systems to obtain evidence and take steps to mitigate financial losses. The role assists in managing change to prevent and mitigate risk and develops and maintains working relationships with various law enforcement agencies. The Senior Investigator takes on more complex cases and mentors the Investigator and Fraud Analyst positions.

Essential Functions

• Provides guidance and support to team members and may lead projects.
• Demonstrates a thorough knowledge of credit union products and services, applicable to investigations, loss prevention and security in order to identify key issues and propose solutions.
• Conducts research, analyzes and evaluates additional fraud risk to protect the Credit Union and/or its members and associates.
• Understands and adheres to the Credit Union's risk and regulatory standards, policies and controls in accordance with the Credit Union's risk appetite. Identifies risk-related issues needing escalation to management.
• Conducts case related interviews with potential suspects and member victims via telephone and in person.
• Builds and maintains case files to document assigned investigations by gathering evidence, analyzing information, and documenting findings.
• Serves as primary fraud contact on all assigned cases.
• Completes special projects within established deadlines, as requested.
• Gathers material evidence for investigations from internal sources, as well as from other financial institutions and law enforcement in a timely manner.
• Completes internal and external investigations, in a timely, organized, and concise manner with detail, accuracy, and thoroughness.
• Provides solutions and makes recommendations for improving internal control environments and reducing fraud and security risks.
• Make recommendations for process/procedural improvements.
• Creates and presents internal training regarding fraud trends.
• Evaluates referrals of suspected fraud from Credit Union branches and departments for further investigation.
• Provides training to branches and departmental associates on fraud prevention.
• May interact with senior levels of management and external organizations on complex and sensitive investigative matters.
• Provides phone support to business areas related to fraud, suspicious activity, and workplace safety matters.
• Takes on more complex investigation cases.
• Mentors Fraud Analyst and Investigator positions.
• Prepares comprehensive reports of analysis and investigation by compiling investigative notes, documentation, and resolution up to and including Suspicious Activity Reports (SAR's) and then prepares them for filing with FinCEN.

Qualifications

This job description should not be considered all-inclusive. It is merely a guide of expected duties. The associate understands that the job description is neither complete, nor permanent and may be modified at any time. At the request of their supervisor, an associate may be asked to perform additional duties or take on additional responsibilities without notice. Complies with all policies and standards. Position grades could fluctuate based on market value.

Education

• High School Diploma Required
• Bachelor's Degree in criminal justice or a related field of study. Preferred

Experience

• 5 to 8 years of similar or related experience. five (5) to eight (8) years of fraud investigation and loss prevention or security experience within the financial services industry. Required
• Or equivalent combination of education and experience.

Knowledge, Skills and Abilities

• Strong written and verbal communication, analytical, problem-solving, attention-to-detail, and organization skills. (High proficiency)
• Strong problem-solving skills with the ability to think quickly, challenge assumptions, and consider alternative perspectives. (High proficiency)
• Ability to perform in high-stress situations and work in a team environment. (High proficiency)
• Ability and experience executing in a fast paced, high demand, environment while balancing multiple priorities. (High proficiency)
• Knowledge of and experience with investigations, investigative techniques, interviewing, security, and fraud prevention. (High proficiency)
• Broad knowledge of retail and commercial banking inclusive of teller operations, new account opening, and lending practices. (Medium proficiency)
• Thorough knowledge of banking laws, regulations, and banking policies and practices including but not limited to Reg CC, Reg E, privacy and identity theft, remote deposit capture/image deposit, Non-Sufficient Funds (NSF) activity, chargebacks, new accounts, check kiting, and Foreign Account Tax Compliance Act (FACTA). (Medium proficiency)
• Advanced knowledge of banking laws and federal and state government laws/regulations including Bank Secrecy Act (BSA), Anti-Money Laundering (AML), USA Patriot Act, and Office of Foreign Assets Control (OFAC). (High proficiency)
• Previous knowledge and experience writing Suspicious Activity Reports (SARs). (Medium proficiency)

Licenses and Certifications

• BSA/AML Certification within 1 Year Required

Why join the OneAZ team?

Our culture is one-of-a-kind! You'll be joining a team of friendly, hardworking, helpful associates with the same mission guiding all that we do: We exist to improve the lives of our members, our associates and the communities we serve.

We are proud to be an equal opportunity employer and value diversity. We do not discriminate on the basis of race, color, religion, creed, national origin or ancestry, sex (including pregnancy), age, physical or mental disability, veteran or military status, genetic information, sexual orientation, gender identity, or any other legally recognized protected basis under federal, state, or local law.

We offer robust benefits including low-cost medical, dental and vision plans, gym reimbursement, paid parental leave, generous personal days and vacation time, and an award-winning 401(k) program among many others. Take a look at our career page for detailed benefit information: www.oneazcu.com/about/careers

Additional Notes:

Candidates for this position will be required to sign an authorization for OneAZ to conduct a credit and criminal background check, pursuant to procedures in the Fair Credit Reporting Act and any other applicable laws.

All candidates will be considered for this position on an individualized basis, in compliance with all applicable equal employment opportunity laws.

Ensures compliance with applicable policies, laws, and regulations, including the Bank Secrecy Act (BSA), Anti-Money Laundering (AML) compliance, USA Patriot Act, and Office of Foreign Assets Control (OFAC).

Any individual who meets the definition of a mortgage loan originator and is employed by a federal agency-regulated institution will need to be registered on NMLS.