Financial Crimes Investigator

Essential Duties and Responsibilities:

• Responsible for selling and cross-selling Credit Union services to current and potential members. Credit Union services are to be promoted using the "member benefit-based approach."
• Fully complies with the requirements of all Credit Union policies, including but not limited to the Bank Secrecy Act, the Patriot Act, and OFAC Policies.
• Performs high-level investigations of known or suspected fraud rings, with primary focus on civil and criminal violations of law relating to Financial Crimes that include, but are not limited to, Bank Fraud, Check Fraud, Counterfeits, Alterations, Forged Endorsement, Debit Card Fraud, Forged Maker, New Account Fraud, Loan Fraud, Identity Theft, ACH Fraud, Wire Fraud, ATM Fraud, Elder Abuse, Financial Exploitation, and any potential illicit activity.
• Conducts interviews with potential or confirmed financial crime victims, witnesses, merchants, other financial institutions, staff, or suspects when warranted to establish details of the incident for documentation, as needed.
• Performs comprehensive case investigations on financial fraud events that span multiple payment types and channels.
• Collects and saves evidence from internal and external sources for criminal prosecution cases.
• Identifies and analyzes new and emerging patterns of fraud and works to identify internal and external stakeholders to implement new controls.
• Responsible for filing or ensuring the filing of incident or criminal reports when appropriate with the proper local, state, and/or federal agencies within the defined responsibility areas of the Financial Crimes business unit.
• Continuously assesses credit union policies, procedures, and practices related to fraud and BSA internal controls and makes recommendations to update and enhance policies, procedures, and practices as needed.
• Partners with all law enforcement agencies, financial institutions, merchants, and members to mitigate fraud losses; facilitates recovery of funds to minimize losses to the credit union and its members; documents investigative activities, including memorializing interviews and reporting activities; attends court as required on behalf of the credit union; keeps apprised of industry fraud trends and emerging areas of concern related to the fraud and BSA arena; serves as liaison with law enforcement on financial crime matters and physical threat issues; assist with organizational wide projects, initiatives and working groups.
• Stays constantly and adequately abreast of all current, proposed, and pending issues from local and regulatory agencies and maintains a high level of working knowledge to identify potential impacts on credit union operations and how those impacts could have a direct or indirect impact on members.
• Participates in industry groups and ongoing training opportunities to maintain an above-average knowledge base of threats and prevention strategies in all areas of financial crime.
• In the event of a threatening/menacing individual on branch or any credit union premises, responsible for assessing the situation and identifying when filing a no trespass is warranted.
• Responsible for periodic spot monitoring of surveillance systems to ensure cameras are working properly and immediately reporting any issues to the AVP of Facilities and the AVP of Financial Crimes (camera outage, not recording properly/inadequate footage, poor camera placement, etc.).
• Works collectively with all areas within the Financial Crimes unit and business units across the board.
• A certain degree of creativity and latitude is required. Promotes a positive image of the Credit Union inside and outside of the workplace.
• May be assigned other tasks by appropriate line supervision.

Supervisory Responsibilities:
There are no supervisory responsibilities in this position.
Other Skills:

• Excellent oral and written communication, interpersonal, and organizational skills.
• Ability to handle multiple tasks simultaneously and in a fast-paced environment.
• Exceptional problem-solving, analytical, observation, investigation, and de-escalation skills.
• Strong attention to detail, time management, critical and forward-thinking skills are essential.
• Self-motivated with a positive attitude, ability to work independently and in a team environment.
• Team-oriented and collaborative mindset.

Computer Skills:
To perform this job successfully, an individual should have knowledge of Microsoft Office software, including Windows, Word, Excel, Outlook Email/Calendar, and Google Chrome/Microsoft Edge. They must also be ableto quickly learn new systems and software.
Physical Demands:
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of the job. Regularly required to stand, use hands or fingers, touch or feel, and reach with hands and arms. Frequently required to walk, stand, stoop, kneel, crouch or crawl. Occasionally required to sit, climb, and balance. Frequently required to lift and/or move up to 30 pounds. Regularly required to listen and interpret information received through spoken words and sentences in person and by the phone and accessed via the computer. Regularly required to communicate information and ideas so others will understand both in person, on the phone, and via the computer. Vision requirements include close vision, distance vision, color vision, peripheral vision, depth perception and ability to adjust focus.