Fraud Investigations Officer

City National Bank; Torch of Friendship (FL); Hybrid; USD 95,000 - 135,000; Full time

Job summary

City National Bank of Florida is seeking a Fraud Investigations Officer to lead investigations across multiple fraud typologies, coordinate with internal teams and law enforcement, and ensure regulatory compliance. The role emphasizes technical leadership, evidence-based decision making, and training junior staff.

You will manage external investigations, prepare reports, identify trends, and provide guidance on fraud mitigation while maintaining strict confidentiality and adherence to policy.

Qualifications

• 8-10 years of financial fraud investigation or fraud related experience.
• Strong understanding of financial transactions, banking operations, and fraud mitigation processes.
• Knowledge of Banking Regulations such as GLBA, UCC, REG E, REG CC, FACTA and ID THEFT.
• Proficiency in relevant systems and fraud monitoring tools.
• Strong analytical, investigative, fact-finding, problem-solving and decision-making skills.
• Ability to manage multiple cases, meet deadlines, and work under pressure.
• High attention to detail and accuracy in documentation.
• Excellent verbal and written communication skills with clients and partners.
• Sound judgment to independently evaluate complex matters within authority.

Responsibilities

• Investigate and manage fraud cases across all typologies, reviewing allegations, analyzing data, and documenting case summaries.
• Independently evaluate complex fraud matters and determine investigative approach within authority.
• Provide coverage of the Fraud Investigation Inbox and respond to inquiries.
• Facilitate fraud recovery efforts to minimize losses and process recovery requests.
• Review surveillance records and document findings in investigative records.
• Prepare investigative materials for case progression and reporting.
• Identify fraud trends across accounts and communicate them.
• Communicate professionally with clients and internal teams.
• Review transactional reports to identify potentially fraudulent activity and take action.
• Provide technical guidance to branch and internal teams on suspicious activity.
• Maintain and update procedures; contribute to training and development.
• Stay current on fraud trends through training and networking.
• Adhere to BSA/AML and other regulations; attend court proceedings as needed.
• Prioritize tasks and manage assigned cases with urgency and accuracy.
• Evaluate findings to support SAR determinations and narratives.
• Submit SARs when authorized and required.
• Provide fraud prevention counseling and confidentiality.
• Network with external partners to facilitate investigations.
• Mentor Fraud Investigators and share best practices.
• Prepare management reports on activity, trends, losses, and progress.
• Lead coordination of investigations and escalate risk as needed.
• Contribute to division projects and process improvements.
• Support internal investigations with confidential data handling.

Skills

Fraud investigations

Regulatory knowledge

Leadership & mentoring

Analytical thinking

Communication skills

Evidence-based decision making

Interviewing & inquiries

Training others

Education

Bachelor's degree in Criminal Justice, Cybersecurity, or related field

Tools

Fraud monitoring tools

Microsoft Office

Regulatory systems

Job description

Job Details

Job ID: 2026-6256

Category: Enterprise Risk

Type: Full-Time

Workplace policy: Hybrid

Overview

The Fraud Investigations Officer serves as a lead within the Investigations Unit of the Financial Crimes Prevention (FCP) Fraud Division, providing technical leadership, guidance, and coordination while performing all responsibilities of a senior fraud investigator. The Officer manages comprehensive external fraud investigations across all fraud typologies to detect and prevent losses to the Bank and its clients and contributes to internal investigations and division projects as assigned. The role exercises independent judgment within assigned authority, documents evidence-based investigative decisions, and escalates matters requiring additional approval or specialized review.

As a subject-matter expert across multiple fraud typologies and investigative disciplines, the Officer contributes to training and mentoring, prepares investigative and management reporting, and collaborates with clients, internal business partners, other financial institutions, and law enforcement to mitigate financial, operational, and reputational risk. The position requires strict adherence to applicable regulatory requirements, internal policies, and payment network rules, including Regulations E, CC, GG, and V; FCRA; the FACT Act; the Bank Secrecy Act; NACHA rules; and Visa Operating Rules.

What You'll Do:

• Investigate and manage fraud cases across all fraud typologies, including reviewing allegations, analyzing data, interviewing suspects, witnesses, and other relevant parties, and maintaining timely documentation and concise, evidence-based case summaries in accordance with established procedures.
• Independently evaluate complex, sensitive, or non-routine fraud matters and determine the appropriate investigative approach, scope, and case progression within assigned authority.
• Provide coverage of the Fraud Investigation Inbox as needed and respond to inquiries related to fraud cases or concerns.
• Facilitate fraud recovery efforts to minimize losses to the Bank and clients, including processing recovery requests from other financial institutions for check fraud claims and tracking pending items.
• Review surveillance records available through authorized systems to advance case investigations, identify relevant activity, and document findings in the investigative record.
• Prepare investigative materials for case progression and reporting by conducting research and compiling supporting data.
• Identify and communicate fraud trends seen across multiple clients or accounts.
• Interact professionally and effectively through verbal and written communication with clients and business lines.
• Review transactional reports to identify potentially fraudulent activity and document findings. Take appropriate action within assigned authority, including placing or removing account restrictions and memos when authorized, and elevate actions requiring additional approval.
• Serve as a subject-matter expert across multiple fraud typologies, investigative disciplines, and fraud-mitigation processes. Provide technical guidance to branch and internal teams regarding suspicious, unusual, or potentially fraudulent activity and complex investigative matters.
• Contribute to maintaining current procedures related to the job function by documenting new procedures and updating existing ones.
• Remain current on evolving fraud trends through training, workshops, and networking engagements.
• Adhere to all Bank policies, procedures, and required compliance training, including BSA/AML and U.S. Patriot Act obligations.
• May attend criminal and civil court proceedings as necessary to complete the prosecution of cases.
• Prioritize tasks to meet deadlines and work assigned cases with urgency while maintaining accuracy.
• Evaluate investigative findings to support Suspicious Activity Report (SAR) determinations and prepare supporting documentation and SAR narratives as assigned. Document the rationale for recommended determinations and route materials through the established review process.
• Submit SARs when authorized and required, in accordance with applicable requirements and internal procedures.
• Provide guidance to clients on the appropriate course of action and provide fraud prevention counseling as needed, including malware, phishing, and wire fraud. Maintain confidentiality surrounding fraud methods and investigations.
• Perform other assignments as directed by the Fraud Director.Network and develop effective contacts in the private, public, and government sectors to facilitate fraud investigations.
• Train and mentor Fraud Investigators and Investigation Support Specialists, share investigative best practices, and contribute to the development and delivery of training to strengthen team knowledge and case-handling capabilities.
• Prepare investigative and management reports on case activity, trends, losses, recoveries, and project progress to support division oversight and informed decision-making.
• Serve as a lead by coordinating investigative work, helping resolve complex case issues, supporting team priorities within assigned authority, and identifying and promptly escalating risk-related issues to management.
• Contribute to division projects and process improvements as assigned by conducting research, coordinating assigned activities, tracking milestones, and communicating progress, risks, and issues.
• Contribute to internal investigations as assigned by gathering and analyzing relevant records, documenting findings, and coordinating with authorized internal partners while maintaining confidentiality and following established protocols.

Qualifications

• 8-10 years of financial fraud investigation or fraud related experience including experience handling complex cases and providing technical guidance, training, or mentoring.
• Strong understanding of financial transactions, banking operations, and fraud mitigation processes.
• Strong knowledge of Banking Regulations such as GLBA, UCC, REG E, REG CC, FACTA ID THEFT.
• Proficiency in relevant systems, fraud monitoring tools, and Microsoft Office applications.
• Strong analytical, investigative, fact-finding, problem-solving, and decision-making skills, including the ability to analyze potential fraud and loss recovery and address problems involving multiple variables in standardized and complex situations.
• Ability to manage multiple cases and shifting priorities in a fast-paced environment, work under pressure, and meet deadlines while maintaining a professional and service-oriented approach.
• High attention to detail and accuracy in documentation.
• Excellent verbal and written communication skills and the ability to interact professionally with clients, team members, and internal and external partners.
• Sound judgment and ability to independently evaluate complex or non-routine matters and make investigative decisions within assigned authority.

Education

• Bachelor's Degree in Criminal Justice, Cybersecurity, or related field.
• An equivalent combination of education and/or relevant professional experience may be considered in lieu of a degree.

Special Instructions to Candidates

Equal Opportunity

City National Bank of Florida is an Equal Opportunity Employer. We do not discriminate based on race, color, religion, sex, national origin, age, disability, genetic information, protected veteran status, or any status protected by federal, state, or Florida law. We comply with the ADA and applicable Florida laws.

Interview Guidelines

To ensure a fair and consistent interview process, applicants are not permitted to use AI-enabled devices during interviews, including AI glasses or similar wearable technology that can record, transmit, or generate real-time information.

Applicants who require a reasonable accommodation to participate in the interview process should contact [e-mail] in advance of the interview to submit an accommodation request. City National Bank of Florida will engage in the interactive process and provide reasonable accommodations in accordance with applicable law.