Fraud Investigator II

Please reference the schedule and minimum qualifications listed below before applying.

If you need assistance with filling out our application form or during any phase of the application, interview, or employment process, please notify our Human Resources Team at 801-366-6947 option 1 or email macurecruiting@macu.com and every reasonable effort will be made to accommodate your needs in a timely manner.

Job Summary

Conducts routine and complex investigations, while working with numerous computer programs and applications and appropriately collaborating with law enforcement and peers at other financial institutions. Uses critical thinking and investigative expertise to resolve fraud cases perpetrated by or against members of the credit union. Assists with various tasks including corresponding with branches, departments, local and federal agencies regarding fraud issues.

Job Description

To be effective, an individual must be able to perform each job duty successfully:

• Maintains Mountain America’s mission, vision, and values by providing quality service to credit union members to resolve problems and enhance their financial relationship.
• Utilizes case management tools to attain departmental KPI goals
• Mentors, coaches and trains Fraud Investigators I’s
• Utilizes critical thinking to investigate routine and complex and high dollar check, account, and loan fraud cases in which members are victims or perpetrators
• Gathers all appropriate evidence and accurately documents applicable contributing factors
• Interviews members and internal partners to clarify statements, as needed. Effectively use reflective and empathetic listening skills.
• Interviews suspects, when appropriate
• Accurately and appropriately issue credits to members’ accounts
• Reviews branch video surveillance and recorded phone calls for material evidence
•  Accurately documents all activities within case management tools
• Compiles formal reports for Law Enforcement referral
• Provides internal support to members, external financial institutions, and other business units on fraud related issues. This support comes through various channels, including phones, email, and ad hoc meetings
• Mentors and supports Fraud Investigator I
• Develops and maintains a working relationship with departments, branches, and contacts at other financial institutions to expedite exchange of information and to obtain assistance and counsel when needed on all matters pertaining to fraud.
• Testifies in court, as required
• Updates team procedures, as directed
• Promptly and appropriately logs complaints and submits Unusual Activity Referrals (UAR’s) to the BSA Team
• Processes and follows up with Uniform Commercial Code (UCC) requests including Breaches of Warranty and Uniform Indemnifications
•  Keeps current on fraud trends and complies with all regulations as required by law, including but not limited to the Bank Secrecy Act, OFAC, FACT Act, GLBA, Regulation CC, Regulation DD, Regulation Z, Regulation E and other regulations as required by law as it relates to the position.
• Performs other duties as assigned

KNOWLEDGE, SKILLS, and ABILITIES

The requirements listed are representative of the knowledge, skills, and/or abilities required.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job functions.

Experience

• 4+ years of experience in a progressive financial institution or investigation experience in a law enforcement capacity
• One year of financial investigation experience

Education

Associates degree or equivalent and related work experience

Licenses, Certificates, Registrations, Trainings

Certified Fraud Investigator or similar desirable

Computer/Office Equipment Skills

Working knowledge of PC’s, Windows, internet browsers, e-mail, Intermediate level Word and Excel.  Knowledge of Internet security and protocols. Ability to applicable software applications.

Proficient with investigation case management software

Managerial Responsibility

Has no supervisory/managerial responsibilities

Language Skills:

Must have the ability to read and interpret documents such as safety rules, operating and maintenance instruction, and procedure manuals. Ability to write routine reports and correspondence. Ability to speak effectively before groups of employees, members, or clients.

Other Skills and Abilities

Proficient in verbal and written communication

Tact and diplomacy are critical to this position

Objective critical and analytical thinking are critical to this position

PHYSICAL ABILITIES / WORKING CONDITIONS

Physical Demands

Must be able to and use hands to handle/feel occasionally

Ability to stand, walk, sit, talk, and hear consistently

Vision Requirements

Close vision (clear vision at 20 inches or less)

Distance vision (clear vision at 20 feet or more)

Color vision (ability to identify and distinguish colors)

Weight Lifted or Force Exerted

Frequently lifts up to 10 pounds, occasionally lifts up to 25 pounds and rarely lifts up to 100 pounds.

Environmental

There are no unusual environmental factors (such as a typical office)

Noise Environment

Moderate noise (business office with computers and printers, light traffic)

Mountain America Credit Union is an EEO/AA/ADA/Veterans employer.