Senior Fraud Investigator

Ascensus; Dallas (TX); On-site; USD 90,000 - 120,000; Full time

Job summary

Ascensus is seeking a Senior Fraud Investigator to lead complex investigations, identify emerging patterns, and serve as a subject matter expert in fraud risk management. This role requires independence, strong judgment, and a track record of driving improvements in controls across the organization.

You will partner with operations, compliance, legal, and technology to strengthen detection, documentation, and response while ensuring the protection of confidential data.

Qualifications

• 3–7 years of progressive experience in fraud investigations, financial crimes, or financial services risk management.
• Experience conducting complex investigations involving multiple data points, linked accounts, and suspicious activity patterns.
• Strong knowledge of fraud typologies, investigative techniques, and fraud risk management practices.
• Proven ability to identify emerging fraud patterns and translate findings into actionable recommendations.
• Ability to operate independently and exercise sound judgment in high-risk or ambiguous matters.
• Strong analytical, critical thinking, and problem-solving skills.
• Exceptional written and verbal communication skills.
• Demonstrated ability to communicate with senior stakeholders and cross-functional partners.

Responsibilities

• Lead complex fraud investigations involving multiple accounts, transactions, channels, and/or subjects.
• Identify and analyze emerging fraud trends, typologies, and risk indicators.
• Conduct root cause analysis of fraud events and identify opportunities to strengthen fraud controls.
• Use internal systems, reporting, and available data sources to investigate linked activity and suspicious patterns.
• Prepare clear, concise, and comprehensive case documentation, investigative summaries, and escalation materials.
• Support high-priority escalations and complex fraud events requiring timely containment and coordination.
• Partner with operations, compliance, legal, technology, and other stakeholders to support investigative outcomes.
• Help improve investigative procedures, documentation standards, and case management practices.
• Provide subject matter expertise and guidance to business partners and team members as needed.
• Identify opportunities for process improvement and stronger fraud mitigation practices.
• Responsible for protecting, securing, and proper handling of all confidential data held by Ascensus to ensure against unauthorized access, improper transmission, and/or unapproved disclosure of information that could result in harm to Ascensus or our clients.

Skills

Fraud investigation

Financial crimes

Risk management

Data analysis

Investigation techniques

Stakeholder communication

Case management

Attention to detail

Written communication

Education

Bachelor's degree or equivalent

Tools

Case management software

Fraud detection systems

Job description

Ascensus is the leading independent technology and service platform powering savings plans across America, providing products and expertise that help nearly 16 million people save for a better today and tomorrow.

Section 1: Position Summary

The Senior Fraud Investigator is a senior individual contributor responsible for leading complex or high-impact investigations, identifying emerging fraud patterns, and serving as a subject matter expert within the fraud function. This role is expected to operate with a high degree of independence and sound judgment while managing complex casework and contributing to broader fraud risk strategies. In addition to conducting investigations, the Senior Fraud Investigator helps strengthen the fraud program by identifying root causes, recommending control or process improvements, and partnering across the organization to improve fraud prevention and response.

Section 2: Job Functions, Essential Duties and Responsibilities

• Lead complex fraud investigations involving multiple accounts, transactions, channels, and/or subjects
• Identify and analyze emerging fraud trends, typologies, and risk indicators
• Conduct root cause analysis of fraud events and identify opportunities to strengthen fraud controls
• Use internal systems, reporting, and available data sources to investigate linked activity and suspicious patterns
• Prepare clear, concise, and comprehensive case documentation, investigative summaries, and escalation materials
• Support high-priority escalations and complex fraud events requiring timely containment and coordination
• Partner with operations, compliance, legal, technology, and other stakeholders to support investigative outcomes
• Help improve investigative procedures, documentation standards, and case management practices
• Provide subject matter expertise and guidance to business partners and team members as needed
• Identify opportunities for process improvement and stronger fraud mitigation practices
• Responsible for protecting, securing, and proper handling of all confidential data held by Ascensus to ensure against unauthorized access, improper transmission, and/or unapproved disclosure of information that could result in harm to Ascensus or our clients.
• At Ascensus we are guided by our Core Values of People Matter, Quality First and Integrity Always®. They inspire us every day to prioritize an environment of respect for those we serve and one another and should be visible in your actions on a day-to-day.

Supervision

• N/A

Section 3: Experience, Skills, Knowledge Requirements

• Minimum of 3–7 years of progressive experience in fraud investigations, financial crimes, or financial services risk management
• Strong experience conducting complex investigations involving multiple data points, linked accounts, and suspicious activity patterns
• Strong knowledge of fraud typologies, investigative techniques, and fraud risk management practices
• Proven ability to identify emerging fraud patterns and translate findings into actionable recommendations
• Ability to operate independently and exercise sound judgment in high-risk or ambiguous matters
• Strong analytical, critical thinking, and problem-solving skills
• Exceptional written and verbal communication skills
• Demonstrated ability to communicate with senior stakeholders and cross-functional partners
• Strong attention to detail and commitment to quality
• Proficiency with case management, monitoring, and reporting tools
• Experience in banking, financial services, retirement services, wealth services, fintech, or law enforcement
• Experience supporting fraud control improvements or investigative process enhancements
• Certifications such as CFE, CAMS, or CFCS are a plus
• Bachelor’s degree or equivalent combination of education and relevant experience preferred

For all virtual remote positions, in order to ensure associates can effectively perform their job duties with no distractions, we require an uninterrupted virtual workspace and there is also an expectation of family care being in place during business hours. Additionally, there is an internet work speed requirement of 25 Mbps or better for individual use. If more than one person is utilizing the same internet connection in the same household or building, then a stronger connection is required.

We are proud to be an Equal Opportunity Employer

Be aware of employment fraud. All email communications from Ascensus or its hiring managers originate from @ascensus.com or @futureplan.com email addresses. We will never ask you for payment or require you to purchase any equipment.