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

Zionsbancorp; United States; On-site; USD 65,000 - 90,000; Full time

Benefits offered by this job

Medical/Dental/Vision Insurance

Paid holidays

401(k) with company match

Paid Time Off (PTO)

Tuition reimbursement

Life and disability insurance

Mental health benefits

Parental leave

Job summary

Zions Bancorporation is seeking a Fraud Investigator for in-office roles in Midvale, UT or Phoenix, AZ. You will investigate financial crimes, analyze transaction patterns, and prepare clear reports.

The role requires a bachelor’s degree with experience in financial services or financial crimes, knowledge of BSA/Patriot Act, and strong analytical and communication skills. This position emphasizes adherence to regulatory requirements and teamwork with BSA Officers and branch staff.

Qualifications

• Bachelor’s degree required; minimum 1 year related experience (2 years if no bachelor’s).
• Minimum 1 year experience in financial services or financial crimes.
• Knowledge of BSA/USA Patriot Act and applicable laws.
• Strong understanding of fraud, AML and red flags related to suspicious activity.
• Ability to meet deadlines, work independently and adapt to changing priorities.
• Strong oral and written communication and high accuracy.

Responsibilities

• Conduct financial crimes investigations of suspected or known fraudulent activity.
• Review and analyze transaction activity to identify patterns and inform investigations.
• Write clear, concise reports in a timely manner.
• Communicate with branches, managers, BSA Officers, and frontline groups as needed.
• Escalate risks to Investigations leadership and recommend closing accounts when necessary.
• Utilize bank systems and case management tools for research and documentation.
• Stay current on fraud, BSA/AML requirements and related training.
• Perform additional duties as assigned.

Skills

Analytical thinking

Attention to detail

Oral and written communication

Independent work

Time management

Handling confidential information

Education

Bachelor’s degree

Tools

MS Excel

MS Word

Fraud detection platforms

Job description

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

Job Number:

1. hours per week: 40

Description

Zions Bancorporation is 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 a Fraud Investigator to 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.

Benefits:

• 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

Work Locations

Utah-Midvale-UT – Zions Tech Center Arizona-Phoenix
Risk Mgmt

ABOUT OUR COMPANY

Zions Bancorporation is one of the nation’s premier financial services companies with total assets exceeding $65 billion. Zions operates under local management teams and distinct brands in 11 western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington and Wyoming.
The company is a national leader in Small Business Administration lending and public finance advisory services, and is a consistent top recipient of Greenwich Excellence awards in banking. In addition, Zions is included in the S&P 500 and NASDAQ Financial 100 indices.

Equal Opportunity Employer

It is the policy of this corporation to provide 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, veteran status, sexual orientation, gender identity and expression or any other characteristic protected by applicable law. This policy is established and administered in accordance with all applicable federal, state, and local laws.
If you are an individual with disabilities who needs accommodation or you are having difficulty using our Web site to apply for employment, please contact us at [phone], Mon.-Fri. between 9 a.m. – 5 p.m. MST
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