Senior Fraud Investigator

Job Title:SENIOR FRAUD INVESTIGATOR
At Premier America Credit Union, our Core Purpose is to serve our members by making it easier to meet today's needs and reach tomorrow's dreams. Talented team members succeed in our organization by demonstrating a commitment to our shared values of accountability, friendliness and respect, a passion for delivering great service, giving back to our communities, and pursuing personal growth. Come grow with us and be part of growth and the Premier America family!
Overview:
We are seeking a Sr. Fraud Investigator, who will be responsible for identifying and preventing fraudulent activities, analyzing fraud patterns, and collaborating with various departments on suspect activity. The Sr. Fraud Investigator is responsible for typical investigations (ATM, Mobile Deposit, Verafin Alerts, P2P Alerts, ID Theft, Elder Abuse, Suspect Applications, Wires, ACH etc) and resolution of unique fraud cases requiring more in-depth research and investigation. Uses critical thinking to analyze and resolve fraud cases in an appropriate and informed manner.
What You Will Do:

• Conduct comprehensive investigations into suspected fraudulent activities, utilizing various tools and methodologies.
• Analyze data and trends to identify potential fraud risks and patterns.
• Routinely perform fraud prevention analysis and investigations on fraudulent activities to prevent losses that occur through checks, new accounts, online banking, elder abuse, ID theft, ACH, membership/ loan applications, wires and Zelle.
• Work cases with a sense of urgency while ensuring the accuracy of information.
• Use Case Management tool (Verafin) to document all actions taken in case investigation and responsible for documenting investigative findings for further analysis or record keeping.
• Create root-cause and timeline reports on fraud cases to assist in investigations and updated controls.
• Pursue criminal action on accounts causing the credit union a loss when facts have been established proving actionable unlawful act has occurred.
• Resolve all investigations, in compliance with industry regulations and credit union procedures, within the respective timeframe allowed based on the case type and complexity.
• Review and analyze suspicious alerts for various types of suspect activity.
• Prepare and file SAR (suspicious activity reports) on all cases that meet the SAR reporting requirements. Proper SAR determination is essential.
• Work with external agencies, law enforcement, and other organizations involved in fraud prevention and detection.
• Contact members as appropriate to investigate, interview and resolve investigations into fraudulent activity, disputes, or claims.
• Understand the legal and regulatory requirements relative to the financial services industry and credit unions.
• Provide guidance to customer victims on the appropriate course of action and provide fraud prevention counseling as needed (i.e., ID Theft, wire fraud, malware, phishing).

Requirements
What We Are Looking For:

• A two-year college degree preferred. CFE or CFCI preferred but not required.
• Four to six years of experience in financial services investigating all aspects of Fraud with moderate to high degree of complexity.
• Must have strong knowledge of FRAUD, CIP, OFAC, and regulations as they relate to a retail financial institution.
• Must possess a strong working knowledge of Windows based computer systems including a specific working knowledge of Microsoft Office and demonstrate an aptitude for use of third- party monitoring/compliance software systems.
• Excellent analytical, organizational, communication and documentation skills
• The ability to gather, evaluate, and synthesize information from various sources to support decision-making or problem-solving.
• Effectively conveying analytical findings and insights to others, both verbally and in writing.
• Experience with banking platforms Symitar, Q2, Verafin, CLEAR.

Premier America Credit Union will consider for employment qualified applicants with criminal histories in a manner consistent with the requirements of the Los Angeles Fair Chance Initiative for Hiring (Ban the Box) Ordinance
.EOE/Drug-free workplace
Pay Grade Info:
To provide greater transparency to candidates, we share base pay ranges for all our job postings regardless of State. We set standard pay ranges for all roles based on function and level of expertise, benchmarked against similar stage growth companies. Final offer amounts are determined by multiple factors including, skills, depth of work experience and relevant licenses/credentials, and may vary from the amounts listed below. The base pay range for this position is: $79k - $98k annually
Perks Important to You:
Our Team Members enjoy the following rewards and benefits:

• Competitive pay• Subsidized health care including medical, dental and vision
• FSA and HSA
• Company-Paid Life and A&D insurance
• Discounts on loans (must be a member)
• Paid Vacation, Holiday, and Sick time
• 401k Retirement Saving Plan with a 6% safe harbor employer match
• Educational Assistance Program and more!

About Us:
Founded in 1957, Premier America is one of the nation's largest credit unions, with over 100,000 members and more than $3 billion in assets. But more importantly, we are ever mindful of one crucial fact: we exist to serve the needs of all members - the owners of Premier America. With a large retail branch network, access to over 30,000+ surcharge-free ATMs; and the Shared Branch Network, Premier America provides financial services to those who live, work, worship or attend school in the Ventura and Los Angeles counties of California, and Harris County in Texas.
Credit unions, such as Premier America, have a rich history evolving from the idea that people working together can create better financial solutions, especially when as owners, members have a vested interest in their collective success. Whether offering higher savings rates and affordable mortgage options, loans for unexpected emergencies or financial counseli