Fraud Investigator - Midvale, UT or Phoenix, AZ (In-Office)

Zions Bancorporation; Midvale (UT); On-site; USD 85,000 - 100,000; Full time

Benefits offered by this job

Medical Insurance

Dental Insurance

Vision Insurance

Paid PTO

Job summary

Zions Bancorporation is seeking a Fraud Investigator to work in-office at Midvale, UT or Phoenix, AZ. The role involves conducting financial crimes investigations, reviewing transaction activity for fraud indicators, and producing concise reports.

You’ll collaborate with branches, BSA Officers, and frontline teams to resolve cases and escalate risks when needed. The position requires a bachelor’s degree or equivalent experience, strong analytical and communication skills, and proficiency with MS

Qualifications

• Bachelor’s degree or 2 years related experience if no degree.
• Minimum 1 year in financial services or financial crimes.
• Knowledge of BSA/AML regulations and related laws.
• Ability to analyze complex financial transactions and relationships.

Responsibilities

• Conduct financial crimes investigations of suspected or known fraud.
• Review transaction activity to identify patterns and anomalies.
• Write clear, timely investigative reports.
• Communicate with branches and officers during investigations.
• Escalate risks to Investigations management when needed.

Skills

Fraud investigation

Analytical thinking

Communication skills

Education

Bachelor’s degree

Tools

MS Excel

MS Word

Job description

Fraud Investigator - Midvale, UT or Phoenix, AZ (In-Office)

Zions Bancorporationis one of the nation’s premier financial services companies operating as a collection of great banks under local brands and management teams in high-growth western markets. Zions is regularly recognized by American Banker as one of the “Best Banks to Work For” and as having a top banking team in its list of “The Most Powerful Women in Banking.” Our customers consistently vote us as the best bank in our local markets. We value our employees, and we are committed to search out, recognize and create fulfilling opportunities for outstanding people within our organization, rewarding them for their contributions to our success. We recognize that banking is a “local” business, and that to be successful, we must have very strong ties to the communities we serve and strong relationships with our customers.

With benefits starting on day one, bank holidays, profit sharing and company-matched 401(k) contributions, Zions is dedicated to being an employer of choice in our communities. At Zions, the possibilities are endless. You bring the talent; we bring the opportunity.

We are currently seeking aFraud Investigatorto join our team. This position will be in office and is located at our Zions Bancorporation Technology Center in Midvale, UT or at our offices in Phoenix, AZ.

What you’ll do:

• Conducts financial crimes investigations of suspected or known fraudulent activity.
• Review and analyze transaction activity to identify fraudulent, suspicious, or unusual patterns and trends that support the investigative process and case resolution.
• Write clear and concise reports in an accurate and timely manner.
• Communicates with branch, department managers, BSA Officers, and frontline groups as necessary, in researching and investigating cases.
• Makes recommendations for closing account relationships to the Investigations management. Escalates identified risks to team leadership.
• Uses various bank systems to conduct research of customer transaction activity including the case management system.
• Keeps current on fraud and BSA/AML investigative operations and the application of the BSA and USA PATRIOT Act requirements along with training requirements for the investigative role.
• Perform other duties as assigned.

Qualifications:

• Bachelor’s degree and minimum of 1 year of related experience. If no Bachelor’s degree, a minimum of 2 years of related experience needed.
• Minimum 1 Year of experience in financial services or financial crimes
• Basic working knowledge of Bank Secrecy Act, USA Patriot Act, and other applicable laws and regulations.
• Strong understanding of complex financial transactions and business relationships and relationships between business entities.
• Strong understanding of fraud, AML and terrorist financing red flags related to the identification of suspicious activity.
• Strong analytical experience.
• Ability to meet deadlines, work independently and adapt to changing priorities.
• Strong oral and written communication skills, both verbal and written.
• Ability to manage deadlines, be organized, detail-oriented and high degree of accuracy.
• Ability to be an independent thinker and to handle confidential, delicate and/or sensitive information or situations.
• Strong PC skills desired with an emphasis in MS Excel and Word.

What Sets you apart:

• Relevant Professional Certification: Association of Certified Anti-Money Laundering Specialists (ACAMS), Associate of Certified Fraud Examiners (ACFE) or Association of Certified Financial Crime Specialists (ACFCS) is a plus.
• 2+ years of fraud investigation experience involving multiple fraud typologies, including Account Takeover (ATO), Identity Theft, scams, and related fraud schemes, with demonstrated proficiency using fraud detection platforms and analytical tools to identify, investigate, and mitigate fraudulent activity.
• 2+ years of experience conducting fraud investigations across a variety of banking products and services, including checking and savings accounts, credit cards, loans, and other consumer banking products, with the ability to identify, investigate, and resolve complex fraud-related concerns.
• Experience preparing, reviewing, and filing Suspicious Activity Reports (SARs), with a strong understanding of regulatory requirements and effective narrative writing.
• Ability to analyze large volumes of data to identify patterns, trends, anomalies, and key risk indicators, enabling the detection of potential fraudulent activity and supporting effective investigative decision-making.
• Medical, Dental and Vision Insurance - START DAY ONE!
• Life and Disability Insurance, Paid Parental Leave and Adoption Assistance
• Health Savings (HSA), Flexible Spending (FSA) and dependent care accounts
• Paid Training, Paid Time Off (PTO) and 11 Paid Federal Holidays, and any applicable state holidays
• 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience
• Mental health benefits including coaching and therapy sessions
• Tuition Reimbursement for qualifying employees enrolled in an accredited degree program related to the needs of the business, maximum of $5,250 per calendar year, employees are eligible for the program upon hire
• Employee Ambassador preferred banking products

This position will be open until filled.

All candidates, including those with criminal histories will be considered for employment. However, a background check adjudicated consistently with the FDIC Section 19 regulation will be completed on any candidate who accepts a conditional job offer from the Company. Because the Company is a financial institution, the FDIC guidelines apply to all positions within the company and as such any and all job duties have a direct relationship to a candidate’s criminal history and that criminal history would need to align with the FDIC Section 19 regulations.

Zions Bancorporation, National Association prohibits illegal discrimination and reaffirms its policy of providing Equal Employment Opportunity (EEO), by extending equal employment and advancement opportunities to all employees and applicants for employment, without regard to race, color, religion, age (40 and over), sex, pregnancy, gender, disability, national origin, ethnic background, citizenship, protected veteran status, military service, sexual orientation, gender identity, genetic information or any other characteristic protected by applicable federal, state or local law.

It is the Company’s policy not to discriminate because of a person’s relationship or association with a protected veteran. This includes spouses and other family members. Also, Zions will safeguard the fair and equitable treatment of protected veteran spouses and family members with regard to all employment actions and prohibit harassment of applicants and employees because of their relationship or association with a protected veteran.