Corporate Fraud Investigator

Glacier Bancorp, Inc.•Town of Mount Pleasant, NY

2d•$33 - $50

About The Position

Summary The Fraud Investigator is responsible for conducting thorough investigations into suspected fraud and financial crimes, ensuring effective prevention, detection, and resolution of fraudulent activity. This role involves handling cases related to electronic banking fraud (including Zelle), new account abuse, deposit fraud, check forgery, elder abuse, debit and credit card fraud, suspected money laundering, check kiting, identity theft, internal fraud, loan fraud, and other complex schemes. This includes presenting cases to law enforcement for criminal prosecution. This is a Corporate position which may be located at an available bank division location across our nine-state footprint in AZ, CO, ID, MT, NV, TX, UT, WA, or WY. The entry rate for this position is $29.23 + / per hour (calculated for Kalispell, MT). Click here to learn more about our bank divisions. All compensation offers are analyzed individually and take into consideration multiple factors including but not limited to geographic location, years of experience, and educational background. WA Applicants ONLY range: Spokane $32.65 to $48.97 an hour Wenatchee $33.10 to $49.66 an hour Description Conduct routine investigations into suspected fraud including identity theft, account abuse, check fraud, elder abuse, debit/credit card fraud, loan fraud, electronic banking fraud (e.g., Zelle), internal fraud, loan fraud, and others. Analyze transaction data and account behavior across all payment channels to detect suspicious activity and initiate appropriate investigative actions. Utilize investigative tools and techniques to gather evidence through interviews, document reviews, and transaction analysis. Refer complex cases to the Fraud Investigator Team Lead, Fraud Manager, BSA/AML team, or law enforcement as appropriate. Prepare detailed reports documenting findings that may be used for internal decisions or criminal prosecution. May require courtroom testimony. Document and evaluate investigative outcomes to support fraud trending, reporting, and continuous improvement of fraud prevention/investigation strategies. Perform fraud mitigation activities such as system monitoring, fraud recovery outreach, and applying precautionary measures (e.g., pay/no pay decisions, account holds/blocks) to protect the bank and its customers. Assist in evaluating risk factors during account opening or review processes, including recommending denial or closure of accounts based on suspicious activity. Utilize fraud detection program to review suspect items as needed. Communicate with internal and external stakeholders, including customers, financial institutions, and law enforcement, to verify transaction authenticity and educate on fraud risks and online banking safety. Maintain favorable customer relations by communicating and interacting over the phone, in writing, or in person. Collaborate regularly with bank divisions, law enforcement, and judicial agencies to support investigations and ensure timely resolution of fraud incidents. Customer relations may include both customers and non customers. Educate customers about fraud issues including online banking safety and take appropriate action to protect customers’ accounts. Must comply with all company policies and procedures and all applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control. Must complete the assigned online training courses and achieve a passing score by due date.

Requirements

Bachelor's degree in business, finance, accounting, criminal justice, law or related field.
3 years Banking operations, Fraud, AML, BSA or law enforcement investigation experience, focused on fraud investigations.
Conducting professional interviews with individuals in regards to fraud investigations.
Knowledge Of Local, state and federal laws and regulations concerning civil and criminal remedies for fraudulent check and debit card activities.
A significant level of trust, credibility and diplomacy is required.
Able to learn and retain knowledge in depth for all debit card and ATM adjustment functions; to follow Visa and ATM network and customer privacy regulations and to limit potential liability for the organization.
Strong organizational, time management and multi-tasking skills to pivot as priorities change.
Possess analytical and technical skills in fast-paced, changing professional environments.
Well- developed customer relations skills.
Must be able to maintain confidentiality.
Strong interpersonal, verbal and written communication skills.
Employee must be capable of interacting calmly and professionally with a variety of people from diverse backgrounds at various levels within and outside of the organization.
Employee must be able to work and interact in a remote environment.
Employee must be capable of regular, reliable, and timely attendance.
Occasional travel required: (less than 10 days per year) by automobile (as driver and passenger), commercial airlines, rental vehicles and public transportation and be able to lodge in public facilities.

Nice To Haves

Banking and fraud threats, along with fraud analytics including the ability to spot financial irregularities or abuse, and completed fraud investigations.
Working with law enforcement, creating case files that can lead to prosecution and/or asset recovery.

Responsibilities

Conduct routine investigations into suspected fraud including identity theft, account abuse, check fraud, elder abuse, debit/credit card fraud, loan fraud, electronic banking fraud (e.g., Zelle), internal fraud, loan fraud, and others.
Analyze transaction data and account behavior across all payment channels to detect suspicious activity and initiate appropriate investigative actions.
Utilize investigative tools and techniques to gather evidence through interviews, document reviews, and transaction analysis.
Refer complex cases to the Fraud Investigator Team Lead, Fraud Manager, BSA/AML team, or law enforcement as appropriate.
Prepare detailed reports documenting findings that may be used for internal decisions or criminal prosecution.
Document and evaluate investigative outcomes to support fraud trending, reporting, and continuous improvement of fraud prevention/investigation strategies.
Perform fraud mitigation activities such as system monitoring, fraud recovery outreach, and applying precautionary measures (e.g., pay/no pay decisions, account holds/blocks) to protect the bank and its customers.
Assist in evaluating risk factors during account opening or review processes, including recommending denial or closure of accounts based on suspicious activity.
Utilize fraud detection program to review suspect items as needed.
Communicate with internal and external stakeholders, including customers, financial institutions, and law enforcement, to verify transaction authenticity and educate on fraud risks and online banking safety.
Maintain favorable customer relations by communicating and interacting over the phone, in writing, or in person.
Collaborate regularly with bank divisions, law enforcement, and judicial agencies to support investigations and ensure timely resolution of fraud incidents.
Educate customers about fraud issues including online banking safety and take appropriate action to protect customers’ accounts.
Must comply with all company policies and procedures and all applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.
Must complete the assigned online training courses and achieve a passing score by due date.