About the position The Fraud Investigator III is a senior-level professional responsible for investigating complex fraud cases, minimizing financial loss, and protecting the Bank from fraudulent activity. This role conducts in-depth transaction analysis, leads investigations, and partners with internal stakeholders and external agencies to identify, mitigate, and prevent fraud. The position requires strong analytical judgment, regulatory awareness, and the ability to independently manage high-risk cases in a fast-paced environment.

Responsibilities

• Investigate complex fraud alerts, suspicious transactions, and high-risk account activity
• Perform forensic transaction analysis, account reviews, and digital activity assessments
• Identify patterns, trends, and emerging fraud risks
• Maintain complete, audit-ready case files with supporting evidence and documentation
• Prepare clear, concise Suspicious Activity Reports (SARs) and investigation summaries
• Track fraud trends and provide insight to management
• Partner with law enforcement, regulators, and financial institutions to support investigations
• Conduct interviews with customers and internal personnel
• Participate in legal proceedings, including court appearances and depositions as required
• Identify and recover misappropriated funds through investigation and negotiation
• Support recovery and collection efforts in coordination with internal and external partners
• Contribute to enhancement of fraud monitoring and detection controls
• Identify root causes and recommend improvements to reduce exposure
• Support fraud trend analysis and reporting to inform risk strategy

Requirements

• Strong knowledge of fraud detection, banking operations, and regulatory requirements
• Proven ability to conduct complex investigations and transaction analysis
• Experience with SAR writing and case documentation
• Strong analytical thinking, problem-solving, and decision-making skills
• Excellent written and verbal communication skills
• Ability to manage sensitive situations and work independently under pressure
• 5+ years of experience in fraud investigations, financial crimes, or banking risk functions
• Experience handling complex or high-risk fraud cases required

Nice-to-haves

• Certified Fraud Examiner (CFE) or similar certification preferred

Benefits

• Health and Wellness benefits including Medical, Dental and Vision Plans
• Flexible and Health Savings Accounts
• 401(k) Retirement Plan
• Disability Insurance
• Employee Assistance Program
• Basic Life Insurance
• Company sponsored Tuition Disbursement and Loan Repayment programs
• Supplemental Life Insurance
• Accident, Critical Illness, Hospital Indemnity and Legal plans
• Paid time-off (PTO)
• Holiday (PTO)