Investigator II

Citizens Bank; Johnston (RI); On-site; USD 70,000 - 85,000; Full time

Job summary

Citizens Bank is seeking a CS&R Investigator II to lead independent investigations into both criminal and noncriminal matters affecting colleagues and customers. The role conducts interviews, liaises with law enforcement, and helps recover funds while ensuring SAR and Bank Secrecy Act compliance.

This position supports the Investigations function by providing objective investigative services, preparing reports, and contributing to ongoing financial crime awareness and prevention initiatives.

Qualifications

• 3+ years in investigations, financial fraud, or legal roles in banking.
• Knowledge of legal/regulatory environments in banking.
• Experience interviewing internal and external parties.
• Ability to document cases and prepare SARs or reports.
• Strong communication and analytical skills.

Responsibilities

• Conduct routine and more complex investigations into incidents of check fraud, card fraud, loan fraud and insider fraud, and related organizational crime activity.
• Prepare investigative case notes, written reports and SARs; interact with law enforcement and provide evidence for prosecutions.
• Interact with industry peers and law enforcement on suspects, trends, judicial processes related to financial crimes.
• Engage in efforts to recover funds for Citizens related to financial crimes and return funds to customers or business lines.
• Generate awareness of fraud activity through Fraud Alerts in a targeted area to aid investigation and prevention.

Skills

Interviewing

Communication

Banking policy

MS Office

OSINT

Databases

Education

Associates Degree in Criminal Justice or related field

Certified Fraud Examiner certification preferred

Tools

Case management software

Job description

Description

As the Corporate Security & Resilience (CS&R) Investigator II, you will undertake independent fact finding investigations related to both criminal and noncriminal matters impacting Citizens, our colleagues and/or our customers. This role will lead a variety of investigations on an independent basis and support larger, more complex investigations, potentially including ones of a sensitive nature. The role holder will support the ongoing success of the Investigations function within Corporate Security & Resilience by providing an independent and objective investigations service to include but not limited to; conducting interviews, liaison with law enforcement, recovery of stolen funds, actions to avert losses, represent Citizens in criminal or civil court proceedings. You will also ensure clear knowledge & compliance to the SAR program, Bank Secrecy Act reporting and comply with all laws.

Primary responsibilities include

• Conducts routine and more complex investigations into incidents of check fraud, card fraud, loan fraud and insider fraud, organized crime groups; which includes but is not limited to: research, interviews, travel within jurisdictions etc... for purposes of pursuing criminal or civil recourse against those who commit crimes against Citizens or its customers.


• Prepares investigative case notes, written reports and suspicious activity reports (SAR) for purposes of documenting events, ensuring compliance to state & federal laws and compliance to Bank Secrecy Act requirements. Interacts with law enforcement agencies on identifying suspects and prepares evidence for prosecutable cases.


• Interacts with industry peers & law enforcement agencies on identifying suspects, trends, judicial process and related activity to financial crimes. Makes determinations if evidence is sufficient for criminal complaints.


• Engages in efforts to recovers funds on behalf of Citizens N.A. related to financial crimes against Citizens and/or its customers. This activity directly impacts financial reporting and returns the funds to the customer or impacted business line.


• Generates awareness of fraud activity through Fraud Alerts related to ongoing Financial Crimes in a targeted area; for purposes of assistance with identifying/apprehending suspects or for general awareness of a specific scheme operating in their area of responsibility.

Required Skills/Experience:

• 3 or more years of current investigations, financial fraud and/or legal experience. Banking, financial services or retail sectors preferred.


• An awareness of legal, statutory and regulatory environments, especially as they relate to investigations, within banking institutions.


• Experience of or an affinity to interviewing internal and external parties


• Strong Computer and software skills, use of databases, spreadsheets and familiarity with MS Office Suite (Excel, PowerPoint, Outlook)


• Clear communication skills (verbal/written)


• Understanding of banking policies and procedures in relation to staff gross misconduct, systems and operational procedures, regulation and compliance, corporate governance preferred


• Working knowledge of investigative or research capabilities, search engines, open source intelligence

Education, Certifications and/or Other Professional Credentials:

• Associates Degree in Criminal Justice or related field


• Certified Fraud Examiner certification preferred

Hours & Work Schedule

Hours per Week: 40

Work Schedule: Monday through Friday 8:30AM - 5:00PM

Pay Transparency

The salary range for this position is $70,000–$85,000 per year, plus an opportunity to earn additional incentive earnings (if applicable). Actual pay is based on various factors including, but not limited to, the budget, work location, and relevant skills and experience. We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens’ paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit Citizens Benefits.

Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.

Equal Employment Opportunity

Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.