Service Representative III T&O

BMO U.S.; Town of Brookfield (WI); On-site; USD 42,000 - 66,000; Full time

Benefits offered by this job

Health insurance

Retirement savings plans

Tuition reimbursement

Accident and life insurance

Job summary

BMO Financial Group in Brookfield, WI is seeking a Financial Crimes Investigator. You will conduct investigations to identify, assess and report on activity indicating financial crime risk, documenting findings and escalating when needed to protect customers and the bank.

You will manage the end-to-end dispute lifecycle, including chargebacks and post-chargeback recovery, while ensuring compliance with Reg E, NACHA rules and payment network requirements, and delivering actionable insights to

Qualifications

• 2–3 years of relevant financial crimes risk experience.
• Knowledge of risk and regulatory requirements.
• Knowledge of banking products, services, processes.
• Strong verbal and written communication, organizational and analytical skills.
• Ability to collaborate and work in a team.

Responsibilities

• Conduct investigations to identify, assess, decision and report on activity indicating financial crime risk.
• Manage the end-to-end dispute lifecycle, including chargebacks and post-chargeback recovery.
• Ensure regulatory compliance with Reg E, NACHA rules and payment network requirements.
• Prepare evidence, incident reports and management information for statistics and process improvements.

Skills

Verbal & written communication

Organization

Collaboration & teamwork

Analytical thinking

Education

Bachelor's degree

Job description

Application Deadline:10/22/2026Address:395 N Executive DriveJob Family Group:Customer Shared ServicesConducts investigations to identify, assess, decision and report on activity that indicates an exposure to financial crimes. Ensures potential threats and investigations are evaluated, documented, managed and escalated by following standard operating procedures. Provides subject matter expertise and oversight of criminal risk by following a disciplined and intelligence-based approach to detection and research of activities and events in alignment with criminal risk frameworks and standards to ensure compliance as well as support trending, analysis and insights generation.Responsible for managing complex dispute resolution activities, with a focus on customer outreach, post-chargeback recovery efforts, and regulatory compliance. Oversees the end-to-end dispute lifecycle, including chargeback processing, recovery opportunities, and adherence to Regulation E (Reg E), NACHA Operating Rules, and other applicable banking and payment network requirements. Ensures accurate claim handling, risk mitigation, regulatory compliance, and a positive customer experience while collaborating with internal partners to resolve disputes and drive operational excellence.Key ResponsibilitiesProvides input and develops recommendations for process and customer service improvements.Stays abreast of financial crimes risk trends, relevant regulations and compliance standards.Monitors and analyzes various information provided through detection systems, tools, reports, or manually to evaluate, investigate and determine required actions.Supports the collection of evidence and information to be used for multiple purposes including incident reports/filings, loss prevention, litigation and criminal prosecution, management information and statistics, and process improvements.Documents actions and information found throughout the investigation to develop and maintain account/case files.Develops and maintains an understanding of the financial crime management processes, frameworks and techniques.Gathers and formats data into regular and ad-hoc reports, and dashboards.Analyzes data and information to provide insights and recommendations.Executes routine tasks such as service requests, transactions, queries etc. within relevant service level agreements.Provides notification, information and instructions to internal/external stakeholders related to incidents as necessary.Completes complex & diverse tasks within given rules/limits and may include handling escalations from other employees.Analyzes issues and determines next steps.Broader work or accountabilities may be assigned as needed.Take measured risks while protecting the bank by applying our Risk Management Framework in the execution of your role, in line with our Risk Culture and within our approved Risk Appetite, making sound and risk informed decisions that align to business strategy, protect assets, and adhere to applicable policy documents (Frameworks, Policies, Standards, Procedures and Supporting documents), laws and regulations.Qualifications:Typically between 2 - 3 years of relevant experience and post-secondary degree in related field of study or an equivalent combination of education and experience.Knowledge of risk and regulatory requirements as they apply to financial crimes is an asset.Knowledge of banking products, services, processes, and organization is an asset.Specialized knowledge.Verbal & written communication skills - Good.Organization skills - Good.Collaboration & team skills - Good.Analytical and problem solving skills - Good.Salary :$41,500.00 - $65,500.00Pay Type:SalariedThe above represents BMO Financial Group’s pay range and type.Salaries will vary based on factors such as location, skills, experience, education, and qualifications for the role, and may include a commission structure. Salaries for part-time roles will be pro-rated based on number of hours regularly worked. For commission roles, the salary listed above represents BMO Financial Group’s expected target for the first year in this position.BMO Financial Group’s total compensation package will vary based on the pay type of the position and may include performance-based incentives, discretionary bonuses, as well as other perks and rewards. BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. To view more details of our benefits, please visit: https://jobs.bmo.com/global/en/Total-RewardsAbout UsAt BMO we are driven by a shared Purpose: Boldly Grow the Good in business and life. It calls on us to create lasting, positive change for our customers, our communities and our people. By working together, innovating and pushing boundaries, we transform lives and businesses, and power economic growth around the world.As a member of the BMO team you are valued, respected and heard, and you have more ways to grow and make an impact. We strive to help you make an impact from day one – for yourself and our customers. We’ll support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs. From in-depth training and coaching, to manager support and network-building opportunities, we’ll help you gain valuable experience, and broaden your skillset.To find out more visit us at http://jobs.bmo.com/us/enBMO is proud to be an equal employment opportunity employer. We evaluate applicants without regard to race, religion, color, national origin, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, transgender status, sexual stereotypes, age, status as a protected veteran, status as an individual with a disability, or any other legally protected characteristics. We also consider applicants with criminal histories, consistent with applicable federal, state and local law.BMO is committed to working with and providing reasonable accommodations to individuals with disabilities. If you need a reasonable accommodation because of a disability for any part of the employment process, please send an e-mail to [e-mail] and let us know the nature of your request and your contact information.Note to Recruiters: BMO does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to BMO, directly or indirectly, will be considered BMO property. BMO will not pay a fee for any placement resulting from the receipt of an unsolicited resume. A recruiting agency must first have a valid, written and fully executed agency agreement contract for service to submit resumes.