Financial Crimes Specialist

Metro Credit Union; Chelsea (MA); Hybrid; USD 44,000 - 48,000; Full time

Job summary

Metro Credit Union is seeking a Financial Crimes Specialist to protect members, respond to suspected fraud, and support regulatory reporting. You will investigate fraud events, interview members, and coordinate with internal teams to prevent losses while maintaining excellent member service.

You will also educate members on identity theft prevention, handle fraud-related inquiries, and escalate complex cases to senior staff as needed.

Qualifications

• Strong verbal and written communication skills.
• Strong attention to detail and ability to identify patterns and suspicious transactions.
• Strong interpersonal skills and ability to guide members through sensitive fraud situations.
• Proficiency with computer systems and ability to navigate fraud-detection tools and platforms.

Responsibilities

• Analyze fraud alerts, ad hoc reports, contact events, and internal referrals to identify and address suspicious or fraudulent activity.
• Interview members to gather facts, understand what occurred, and support fraud identification and resolution.
• Educate members on practical steps to prevent and respond to identity theft.
• Provide coverage for the Financial Crimes phone queue and respond to questions from members and internal departments.
• Manage fraud cases according to established procedures and upscale complex matters to senior team members or management.
• Freeze member accounts and channel access when appropriate to prevent or reduce loss exposure.
• Perform authorized monetary transactions designed to limit potential losses.
• Prepare clear, accurate narratives supporting FinCEN Suspicious Activity Report, or SAR, filing requirements.

Skills

Communication skills

Attention to detail

Interpersonal skills

Fraud-detection tools

Experience in financial services

Education

High school diploma or equivalent

Tools

Fraud-detection platforms

Job description

Why This Role Exists

Financial crime can have an immediate and deeply personal impact on members. The Financial Crimes Specialist serves on the front line of protecting member accounts, preventing losses, and helping members navigate suspected fraud with clarity and care.

This role exists to identify suspicious activity early, respond quickly to potential threats, and strengthen the systems and practices Metro uses to protect its members. You will join a collaborative and dynamic Financial Crimes team where your judgment, attention to detail, and follow-through will have a direct and visible impact on member protection and community safety.

What You’ll Own

• The investigation and documentation of suspected fraudulent activity

• Timely action to protect member accounts and reduce potential losses

• Clear, supportive communication with members experiencing possible fraud or identity theft

• Consistent management of fraud-related calls, cases, referrals, and escalations

• Accurate preparation of information supporting regulatory reporting

• Identification of fraud trends and opportunities to strengthen detection practices

What You’ll Do

• Analyze fraud alerts, ad hoc reports, contact events, and internal referrals to identify and address suspicious or fraudulent activity.

• Interview members to gather facts, understand what occurred, and support fraud identification and resolution.

• Educate members on practical steps to prevent and respond to identity theft.

• Provide coverage for the Financial Crimes phone queue and respond to questions from members and internal departments.

• Manage fraud cases according to established procedures and upscale complex matters to senior team members or management.

• Freeze member accounts and channel access when appropriate to prevent or reduce loss exposure.

• Perform authorized monetary transactions designed to limit potential losses.

• Prepare clear, accurate narratives supporting FinCEN Suspicious Activity Report, or SAR, filing requirements.

• Work with other financial institutions and law enforcement agencies by providing appropriate information and documentation for criminal investigations.

• Refer accounts with realized losses to Collections and Recovery for additional action.

• Analyze losses and emerging fraud patterns, then recommend adjustments to fraud-detection parameters and processes.

• Represent Metro on committees and participate in meetings as needed.

• Perform additional responsibilities as directed by management.

Success Looks Like in 12 to 18 Months

• Fraud alerts, referrals, and member concerns are investigated thoroughly and handled according to established procedures.

• Potential losses are identified and addressed promptly through appropriate account and access controls.

• Members receive clear, respectful guidance during sensitive fraud and identity-theft situations.

• Case documentation and SAR-supporting narratives are accurate, complete, and actionable.

• Escalations are handled with sound judgment and brought to the appropriate senior team member or manager when needed.

• Fraud trends and recurring patterns are identified and shared with management to support stronger detection and prevention.

• Internal teams view you as a responsive and trusted partner on fraud-related matters.

You’ll Love This Role If...

• You are motivated by protecting people and preventing financial loss.

• You enjoy investigative work and naturally look for patterns, inconsistencies, and unusual activity.

• You can remain calm, clear, and supportive when helping someone through a stressful situation.

• You balance urgency with accuracy and understand the importance of following established procedures.

• You enjoy collaborating across teams while taking personal ownership of your cases and follow-through.

• You are curious about new technology and interested in improving how work gets done.

AI Expectations

You will actively use Metro’s Microsoft Copilot and other approved AI-powered tools to improve productivity, streamline workflows, and support operational efficiency across the Financial Crimes team. AI should enhance research, organization, drafting, analysis, and process improvement while human judgment remains central to member protection, investigations, escalations, and regulatory decisions.

Required Qualifications

• Strong verbal and written communication skills, including the ability to clearly document and explain fraud-related activity

• Strong attention to detail and the ability to identify patterns and suspicious transactions

• Strong interpersonal skills and the ability to guide members through sensitive fraud situations

• Proficiency with computer systems and the ability to navigate fraud-detection tools and platforms

Preferred Qualifications

• High school diploma or equivalent

• One to three years of related experience in financial services, fraud and security, or financial crimes

Why Metro

At Metro, this role provides the opportunity to perform meaningful work that directly protects members and the Credit Union. You will join a collaborative Financial Crimes team, work across departments, and contribute ideas that strengthen fraud detection, loss prevention, and the overall member experience.

Benefits, Work Model, and Compensation

Hybrid Policy Eligibility

• Minimum days in office per week: 3 (Tuesday and Wednesday required).

• Minimum days in office for onboarding: 90 days.

• 4x10 eligible: Yes.

Compensation Disclosure

$32.00 – $35.00/ hour.

The salary range listed provides a general expectation for the role. Final compensation is based on experience, unique strengths, and the impact you are expected to make. Metro also offers a competitive benefits package and additional perks that contribute to total compensation.

Our Benefits

We believe great work starts with supporting our people. That's why we offer a competitive and well-rounded benefits package designed to support your health, financial well-being, career growth, and work-life balance. From medical, dental, and vision coverage to retirement savings, paid time off, learning opportunities, and employee wellness resources, we invest in helping our employees thrive both at work and beyond.

Click here to learn more about our benefits package and employee perks.

Ready to Make an Impact?

At Metro Credit Union, we believe our employees are our greatest asset. We are committed to creating a work environment where you can thrive professionally while maintaining work-life balance. From comprehensive benefits and competitive compensation to opportunities for growth and development, we invest in your success. Join a team where your work makes a real difference in protecting our members and strengthening our community.

About Metro Credit Union

Metro Credit Union is the largest state-chartered credit union in Massachusetts, with $3.4 billion in assets. Metro provides a full range of financial products to more than 200,000 members in Barnstable, Bristol, Essex, Franklin, Hampden, Hampshire, Middlesex, Norfolk, Plymouth, Suffolk, and Worcester counties in Massachusetts, and Cheshire, Hillsborough, Merrimack, Rockingham, and Strafford counties in New Hampshire. Metro is the credit union of choice for employees at over 1,200 companies through its Metro@work program.

Founded in 1926, Metro currently operates branch offices in Boston, Burlington, Chelsea, Dorchester, Framingham, Lawrence, Lynn, Medford, Melrose, Newton, Peabody, Reading, Salem, Tewksbury, and West Roxbury. Metro is also a Juntos Avanzamos ("Together We Advance") designated credit union, an honor given to financial institutions for their commitment to serving and empowering Hispanic and immigrant consumers. Metro was recently named among the most charitable companies in Massachusetts by the Boston Business Journal; voted Top Credit Union in Banker & Tradesman's Best of 2025 awards; and recognized as one of America's Best Regional Banks and Credit Unions in 2025 by Newsweek. Learn more at MetroCU.org.