Financial Investigator I

United Community Bank•Greenville, SC

21d

About The Position

United Community is looking for a meticulous and detail-oriented Financial Investigator I - Disputes to join our team! As a Financial Investigator I, you’ll dive into the world of fraud detection, analyzing suspicious activities across various customer accounts (POS, ATM, Wire, ACH, Online Banking, Check, Mobile, etc.). Your mission is to identify potential fraud cases, complete necessary reports, and ensure a positive customer experience for those affected. You’ll document and evaluate your findings to support fraud trending and reporting, always adhering to best practices.

Requirements

A minimum of 3 years’ work experience in Financial Services Industry and/or understanding of fraud detection/investigations
Hands-on experience with fraud claims (Check, POS, ATM, Wire, Identity, Mobile, etc.)
In-depth knowledge of BSA/AML/OFAC laws and regulations
Strong time management and organizational skills
Comprehensive understanding of bank policies and procedures related to Fraud Prevention
Proficiency with Core systems and other internal banking systems (Director, Wires, ACH, Online Banking, Debit Cards, Research/Returns, File Maintenance).
Advanced skills in Microsoft Excel, Word, and email.
Ability to multi-task with excellent analytical and critical thinking skills.
Strong verbal and written communication skills.
Problem-solving and decision-making abilities, with the capacity to escalate issues when necessary.
Must be able to pass a criminal background check
This is a full-time position with flexibility for evenings and weekends as needed

Responsibilities

Reviews & researches suspected fraud notices for all areas received through internal and external sources to determine fraud.
Investigates fraud activity, reports, and documents as required per regulatory guidance for each fraud type.
Identify fraud patterns and communicates trends to management.
File/Research and Understand ‘disputes/returns’ for POS, ATM, Wire, ACH, Online transactions, Checks, etc.
Report ‘real time’ fraud-related activity; ensuring that the affected UCBI area/branch is notified.
Ensure the investigation of all accounts assigned and make sure all efforts are recorded in Financial Intelligence platform (Verafin).
Interacts with customers either victimized or suspected of fraud and performs appropriate actions required based on the case type while providing a positive customer experience.
Employ letter, phone, and e-mail contact with customers/branches throughout the investigative process.
Work with Legal team and Corporate Security on case building and/or pulling information for fraud cases for law enforcement or court requests.
Elevate to department management all issues requiring approval outside of the authority of the Financial Investigator’s position and all issues that may adversely affect United Community Bank.