Fraud Investigator - Checks, Cards & ACH

Constitution Bank; Hillsboro (IL); On-site; USD 25,000 - 29,000; Full time

Job summary

Constitution Bank in Hillsboro, IL is seeking a Fraud Specialist to join the bookkeeping team. You will identify, investigate, and mitigate fraudulent activity across checks, card, and ACH transactions, ensuring compliance with Regulation E and safeguarding customer funds.

The role emphasizes detail, analysis, and collaboration within a fast-paced banking environment. We value accuracy, confidentiality, and the ability to handle high-risk alerts while providing reliable support to branches and

Qualifications

• 1–2 years of banking, deposits, accounting, or bookkeeping experience preferred.
• Knowledge of Regulation E, fraud prevention, and transaction disputes handling preferred.
• Strong analytical and problem-solving skills with high attention to detail.
• Excellent communication skills and experience handling confidential information.
• Proficiency with financial systems and fraud monitoring tools (e.g., Mitek, FINBOA).

Responsibilities

• Investigate and resolve potential fraud cases across multiple channels (check, card, ACH).
• Monitor high-risk activities, account alerts, and fraud detection systems to identify suspicious patterns.
• Process and manage FINBOA disputes, ensuring timely and accurate resolution.
• Review and handle Mitek check fraud alerts and follow up with appropriate parties.
• Serve as a backup approver for wire transfers.
• Manage fraud detection related to Apple Pay and other digital payment platforms.
• Generate and review CAMS Reports, Centerview Denial Reports, and other fraud-related data sources.
• Perform ATM/Visa balancing and support daily reconciliation tasks.
• Provide branch support and assist with overflow phone calls
• Review DDA exceptions and check exceptions over $950 for endorsement and legitimacy.
• Analyze ACH Cash Tab and Fraud Anomaly Detection activity
• Support bookkeeping operations and perform other duties as assigned.

Skills

Analytical skills

Problem solving

Communication skills

Banking knowledge

Fraud prevention

Education

Two Year Degree

Tools

Mitek

FINBOA

Job description

Constitution Bank in Hillsboro, IL is seeking a Fraud Specialist to join the bookkeeping team. You will identify, investigate, and mitigate fraudulent activity across checks, card, and ACH transactions, ensuring compliance with Regulation E and safeguarding customer funds.

The role emphasizes detail, analysis, and collaboration within a fast-paced banking environment. We value accuracy, confidentiality, and the ability to handle high-risk alerts while providing reliable support to branches and