Fraud Investigator IIIII

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Conducts complex and high-valued account fraud investigations at an expert level. Appropriately collaborates with law enforcement and peers at other financial institutions to prevent or recover fraud losses. Uses critical thinking and investigative expertise to resolve account fraud cases perpetrated against or by members of the credit union. Assists with various tasks including corresponding with members branches departments other financial institutions and law enforcement agencies regarding fraud issues. Acts as the teams subject matter expert for the processes and policies. Assists the Fraud Investigations Team Manager with delivering timely feedback to all members of the Fraud Investigations Team. Acts as an escalation resource for the credit union and members.

LOCATION

Mountain America Center - Hybrid:

9800 S Monroe St
Sandy UT 84070

SCHEDULE

Full Time; this is a hybrid role with both in office and remote work- in office expectation will be based on business need.

*This position may be offered as a Fraud Investigator II or a Fraud investigator III depending on chosen candidates level of demonstrated experience and skill.

To be effective an individual must be able to perform each job duty successfully:

• Maintains Mountain Americas mission vision and values by providing quality service to credit union members to resolve problems and enhance their financial relationship.
• Mentors coaches and trains Fraud Investigators I and II
• Assists management with training presentations with other departments including the Service Center
• Provides high-quality phone support to members external financial institutions and internal business units on fraud related issues
• Processes reimbursements for members Fraud Affidavits in a timely manner
• Acts as a point of escalation for the team
• Utilizes critical thinking to investigate complex and high dollar check account and loan fraud cases in which members are victims or perpetrators
• Interviews members and internal partners to clarify statements and circumstances that led to fraud as needed
• Interviews suspects when appropriate
• Accurately and appropriately issue credits to members accounts
• Reviews branch video surveillance and recorded phone calls for material evidence
• Copiously documents all activities
• Constructs formal reports and case summaries for potential referrals to law enforcement
• Provides internal support to other business units on fraud related issues as directed
• Utilizes case management reports to redirect work as needed with an emphasis on the team achieving departmental KPI goals
• Develops and maintains a working relationship with departments branches and contacts at other financial institutions to expedite exchange of information and to obtain assistance and counsel when needed on all matters pertaining to fraud.
• Evenly distributes new case workload throughout the team
• Updates and is an active stakeholder in team procedures
• Provides constructive verbal and written feedback to team department and other business units as needed
• Conducts formal reviews of internal calls and cases and provides feedback as needed
• Partners with peers at other financial institutions to reduce risk and loss to the credit union
• Establishes and maintains professional relationships with Law Enforcement
• Testifies in court as required
• Evaluates fraud-related reports as directed
• Oversees case and call quality review processes and delivers feedback to both Investigators and management
• Train and provide guidance to Intake Specialists and Investigators I and II and provide feedback as appropriate for coaching and development.
• Train and present to other business units on fraud investigations and material
• Leads by example
• Lead special projects as assigned
• Drives process improvements
• Promptly and appropriately logs complaints and submit SAR referrals
• Keeps current on fraud trends and complies with all regulations as required by law including but not limited to the Bank Secrecy Act OFAC FACT Act GLBA Regulation CC Regulation DD Regulation Z Regulation E and other regulations as required by law as it relates to the position.
• Performs other duties as assigned

KNOWLEDGE SKILLS and ABILITIES

The requirements listed are representative of the knowledge skills and/or abilities required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job functions.

Experience

Five years of experience in complex financial investigations

Education

Bachelors degree or equivalent and related work experience

Licenses Certificates Registrations Trainings

Certified Fraud Investigator or similar desirable

Computer/Office Equipment Skills

Working knowledge of PCs Windows internet browsers e-mail Intermediate level Word and Excel. Knowledge of Internet security and protocols. Ability to applicable software applications.

Proficiency with investigation case management software

Managerial Responsibility

Has supervisory/managerial responsibilities part time and/or is restricted to assigning work and supervising the efforts of a small subordinate group of employees. The majority of work is performed individually.

Language Skills:

Must have the ability to read and interpret documents such as safety rules operating and maintenance instruction and procedure manuals. Ability to write routine reports and correspondence. Ability to speak effectively before groups of employees members or clients.

Other Skills and Abilities

Proficient in verbal and written communication

Tact and diplomacy are critical to this position

Objective critical and analytical thinking are critical to this position

PHYSICAL ABILITIES / WORKING CONDITIONS

Physical Demands

Must be able to and use hands to handle/feel occasionally

Ability to stand walk sit talk and hear consistently

Vision Requirements

Close vision (clear vision at 20 inches or less)

Distance vision (clear vision at 20 feet or more)

Color vision (ability to identify and distinguish colors)

Weight Lifted or Force Exerted

Frequently lifts up to 10 pounds occasionally lifts up to 25 pounds and rarely lifts up to 100 pounds.

Environmental

There are no unusual environmental factors (such as a typical office)

Noise Environment

Moderate noise (business office with computers and printers light traffic)

Noise Environment

Moderate noise (business office with computers and printers light traffic)

Mountain America Credit Union is an EEO/AA/ADA/Veterans employer.