Fraud Investigator I

SCCU Simple; Melbourne (FL); Hybrid; USD 38,751 - 41,038; Full time

Benefits offered by this job

Health & Wellness: Medical, dental, or

Tuition reimbursement

Job summary

Space Coast Credit Union (SCCU) is seeking a Fraud Investigator I in Melbourne, FL. The role involves protecting members by investigating potential fraud, reviewing cases, and supporting loss prevention efforts in collaboration with Legal, Compliance, and Operations.

The position offers a hybrid schedule with two in-office days weekly, 8:00 a.m. to 5:00 p.m., and a starting hourly wage of $28.13–$29.79 with a potential annual bonus.

Qualifications

• Associate Degree or specialized certification or equivalent field experience required.
• ABA Certificate in Fraud Prevention, CFCS, and/or CFCP certifications a plus.
• Adherence to any and all additional regulatory compliance training required throughout the tenure of the position.

Responsibilities

• Investigates fraudulent activity, including analyzing data and documents, interviewing witnesses and preparing reports.
• Reports to management any changes in fraudulent activity and potential losses and is knowledgeable about industry trends and regulations.
• Seeks appropriate and timely civil and legal pursuit of members or non-members who have caused a loss to the credit union to recoup losses.
• Analyses and determines any areas of vulnerability to prevent future occurrences and collaborates with other departments to implement controls.
• Stays current with fraud trends by monitoring data and attending meetings/conferences.

Skills

Fraud investigation

Data analysis

Witness interviews

Education

Associate degree

ABA Certificate in Fraud Prevention

CFCS

CFCP

Job description

BAYTREE HEADQUARTERS, 8045 North Wickham Road, Melbourne, FL 32940, USA

Space Coast Credit Union (SCCU) has been committed to delivering financial services founded on integrity and a people-first philosophy since 1951.

As a Fraud Investigator I, you will help protect the credit union and its members by investigating potential fraud, reviewing fraud cases, and supporting loss prevention efforts. This role partners with law enforcement and internal teams, including Legal, Compliance, and Operations, to identify fraudulent activity, mitigate risk, and strengthen fraud detection and prevention processes.

Why Join SCCU?

• Member-Focused Mission: Be part of a not-for-profit organization that reinvests in its members.
• Flexible Schedule Options
• Career Growth: We prioritize internal promotions and offer on-the-job training.
• Reviews high risk activity to determine appropriate action to mitigate potential losses and limit negative member experience.
• Reports to management any changes in fraudulent activity and potential losses and is knowledgeable about industry trends and regulations.
• Investigates fraudulent activity, including analyzing data and documents, interviewing witnesses and preparing reports. Performs all necessary follow-up in a timely manner, including contact with law enforcement officials to prevent or reduce loss to members and the organization.
• Seeks appropriate and timely civil and legal pursuit of members or non-members who have caused a loss to the credit union to recoup losses.
• Analyzes and determines any areas of compromise and vulnerability in order to prevent future reoccurrences and identify and future risks that may not have presented themselves yet. Works in collaboration with other departments to identify areas of vulnerability and assist Leadership in implementing controls to mitigate fraud risk.
• Works in support of leadership for audit and regulatory requests and training by sharing intelligence and best practices.
• Stays current with fraud trends in the market by monitoring data from the Fraud Analysts and attending meetings/or conferences in order to prevent fraud losses to the organization and our membership.

Associate Degree or specialized certification or equivalent field experience required. ABA Certificate in Fraud Prevention, CFCS, and/or CFCP certifications a plus. Adherence to any and all additional regulatory compliance training required throughout the tenure of the position.

• 3-5 years experience in a financial institution including fraud, claims, and disputes preferred. Prior experience with law enforcement communications or legal proceedings necessary.
• Starting Salary: $28.13 - $29.79 hourly
• Bonus Opportunity: Eligible for ONE SCCU Annual Bonus.

Work Schedule

• Hybrid and Flexible Schedule Options: This position is hybrid with two days per week required in office.
• Monday – Friday: 8:00 a.m. - 5:00 p.m. Rotating Saturdays
• Health & Wellness: Medical, dental, and vision insurance, plus an Employee Assistance Program.
• Financial Perks: 401(k) match (5%), HSA match, and SCCU-paid insurance (short/long-term disability, life insurance).
• Education Support: Tuition reimbursement after one year of service.
• Generous Time Off: 20+ days of PTO, birthday PTO, and 11 federal holidays.
• Exclusive Discounts: Lower rates on loans, credit cards, and no fee SCCU accounts!

About SCCU

Since 1951, Space Coast Credit Union (SCCU) has proudly served our community, growing to over 685,000 members and managing $9 billion in assets. With 67 branches spanning Florida’s east coast, we are the third-largest credit union in the state. In 2025, we expanded into Orange County to better serve the growing East Orlando market.

As a not-for-profit financial institution, SCCU is dedicated to putting our members first. Unlike traditional banks, we return profits to our members through better rates, lower fees, and enhanced services. While we offer the same financial products—like checking, savings, and loans—our focus remains on empowering our members and supporting their financial well-being. With local decision-making and a commitment to exceptional service, we strive to make a meaningful difference in the lives of those we serve.

At SCCU, we also prioritize our team members by fostering a supportive and collaborative environment that encourages career growth and development. As we continue to grow, we are seeking talented, member-focused professionals to join our team and help deliver innovative financial solutions and outstanding service.

I UNDERSTAND this application a legal document for purposes of your employment. Upon acceptance of an offer with SCCU, I UNDERSTAND that I will be required to complete background, employment verifications, and drug screening. I UNDERSTAND further that any misstatements or omissions in this application and pre-employment process can be considered falsification and will result in a decision not to hire me, or to discharge me if discovered after I am hired. I UNDERSTAND that the information requested regarding date of birth, race and sex is for the sole purpose of gathering the above information accurately, and will not be used to discriminate against me in violation of any law. In compliance with federal law, all persons hired will be required to verify identity and eligibility to work in the United States and to complete the required employment eligibility verification document form upon hired.

SCCU is a drug-free workplace. I understand that as a condition of my employment, I will be required to submit to any testing for the presence of drugs, and to submit to any procedure to assess my qualifications for employment. If hired, I ALSO AGREE that if I am hired, my employment is for no definite time and may be terminated at any time without prior notice.

Equal Opportunity Employer. This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.