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Senior Fraud Investigator

Wayoh

United States

Remote

USD 70,000 - 90,000

Full time

2 days ago

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Job summary

Join a leading bank as a Fraud Investigator where you'll lead investigations into complex fraud cases, ensuring compliance with regulations. With responsibilities including data analysis and team training, this full-time, remote position requires a bachelor's degree and relevant experience in fraud investigations. Competitive salary and benefits included.

Benefits

401(k)

Vision insurance

Medical insurance

Qualifications

5+ years of experience in Financial Crimes, Fraud and BSA/AML investigations.
Professional Certification (CFE, CFCI, CFCS, CAMS) preferred.
Strong working knowledge of Fraud, BSA, AML, OFAC regulations.

Responsibilities

Lead and conduct investigations into suspected fraud cases.
Ensure comprehensive investigations follow internal policies and regulations.
Analyze data to identify emerging fraud patterns.

Skills

Analytical skills

Attention to detail

Fraud detection

Compliance knowledge

Education

Bachelor’s degree in finance, Criminal Justice, Business, or related field

Tools

Fraud and AML case management systems

Transaction monitoring systems

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This range is provided by Wayoh. Your actual pay will be based on your skills and experience — talk with your recruiter to learn more.

Base pay range

$70,000.00/yr - $90,000.00/yr

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Institution: Bank

Location: REMOTE (US based)

Role: Reporting to the Banks Fraud & Identity Theft Manager, this individual will be responsible for leading complex fraud investigations, ensuring investigative quality, and providing oversight, guidance and training to analysts, investigators and specialists.

This position is vital to the bank’s fraud risk management framework, helping to detect, investigate, and mitigate financial fraud while ensuring compliance with the Bank Secrecy Act (BSA), USA PATRIOT Act, OFAC requirements, FinCen SAR Reporting requirements, internal fraud prevention policies and federal, and state laws. The Fraud Lead works closely with stakeholders across the organization to escalate and address fraud threats, implement prevention strategies, and contribute to the continuous improvement of fraud detection tools and procedures.

Responsibilities:

Lead and conduct thorough investigations into suspected or confirmed fraud cases, including complex schemes involving account takeover, identity theft, wire fraud, check fraud, digital/fintech payment fraud and other financial schemes.
Review escalated alerts, internal and external referrals to determine if activity is potentially fraudulent and warrants a case investigation or SAR filing.
Ensure investigations are comprehensive, accurate, and conducted in line with internal policies, regulatory expectations, and industry best practices.
Conduct fraud case evaluations to determine the need for Suspicious Activity Report filings, ensuring thorough documentation, risk assessment, and justification, while maintaining organized and comprehensive supporting investigative records.
Draft, review, and submit SARs in accordance with FinCEN guidelines and filing timelines, ensuring quality and accuracy in all submissions.
Analyze cases and data to identify emerging fraud patterns and recommend improvements to detection rules, workflows, and controls. Stay current on fraud trends to enhance monitoring and prevention effectiveness.
Participate in system tuning, fraud logic testing, and risk assessments related to fraud systems and processes.
Support the FCC quality control process by assisting the Fraud team in addressing quality control findings by making necessary adjustments and providing additional training.
Assist Fraud Manager in responding to internal audits, regulatory exams, law enforcement inquiries and special projects, including preparation of documents, case evidence and process and procedure documentation.
Assist Fraud Manger in preparation of fraud loss and metrics reporting for management and board.
Maintain expertise in fraud laws, regulations, and best practices while staying updated on emerging threats, typologies, and advancements in detection technology.
Support Fraud Manager with collaborating cross-functionally with Compliance, Risk, Operations, IT, and other departments to support enterprise-wide fraud mitigation initiatives.
Serve as a subject matter expert and escalation point for fraud investigators, analysts and specialists.
Provide coaching, guidance, and feedback to team members to support investigative development and knowledge of fraud typologies.
Assist in onboarding and training new team members on policies and procedures, fraud detection tools, investigative processes, and fraud risk controls.
Assist bank partners with fraud matters and as a resource.
Preparing and training bank staff on fraud awareness, detection, and prevention methods.
Adheres to all Federal and State laws and regulations, including the Bank Secrecy Act.

Requirements:

Bachelor’s degree in finance, Criminal Justice, Business, or a related field or equivalent experience.
5+ years of experience in Financial Crimes, Fraud and BSA/AML investigations within a banking environment.
Professional Certification (CFE, CFCI, CFCS, CAMS, or other compliance certification), is strongly preferred.
Experience with FinTech, BaaS all cannabis banking, is strongly preferred.
Proficiency with Fraud and AML case management and transaction monitoring systems.
Strong working knowledge of Fraud, BSA, AML, OFAC, FinCEN guidance, and regulatory expectations

Seniority level

Seniority level
Mid-Senior level

Employment type

Employment type
Full-time

Job function

Job function
General Business
Industries
Banking

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Inferred from the description for this job

401(k)

Vision insurance

Medical insurance

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