Fraud Investigator II

Truliant Federal Credit Union•Winston-Salem, NC

10h

About The Position

Truliant’s mission is to improve lives by putting our members first, providing great service and straightforward financial solutions. Our core values of Member Focus, Service, Guidance, Relationships, and Community define how we interact with members to fulfill our mission of improving lives and providing a foundation on which we conduct ourselves. Our Promise to Our Teammates: Truliant strives to provide all teammates with an enjoyable place to work where they feel valued, empowered and rewarded for all that they do. Purpose of the Job The Fraud Investigator II is responsible for conducting thorough investigations into suspected fraudulent activities and managing the reporting process, including the timely monitoring, detection, investigation, and documentation of financial crimes such as money laundering, terrorist financing, and other fraudulent behavior. This position performs complex fraud investigations based on factors such as dollar amount, reputational risk, and potential financial impact. The Fraud Investigator II works collaboratively with internal business units and external entities to minimize fraud losses, maximize recovery efforts, and protect the financial well-being of the Credit Union and its members. Investigations include in-person and digital channel deposit, loan, and card fraud; wire transfers; check fraud; ACH; identity theft; elder abuse; and fraud related to payments and electronic services.

Requirements

Must have strong knowledge of financial crimes across federal, state, and local jurisdictions, including familiarity with the Bank Secrecy Act (BSA), USA PATRIOT Act, and related regulatory requirements.
Must have proven ability to lead investigations, analyze complex data, and present findings effectively to executive leadership and external authorities.
Must have demonstrated ability to manage multiple high-priority investigations while maintaining accuracy and compliance.
Must have proficiency in Microsoft Office applications, including Excel and Word.
Must have exceptional analytical, problem-solving, and decision-making skills with a focus on risk mitigation and loss prevention.
Must have the ability to perform effectively in a high-pressure, fast-paced environment involving time-sensitive situations.
Must have strong communication and interpersonal skills, with the ability to collaborate effectively across departments and with law enforcement agencies.
Ability to handle sensitive and confidential information with the utmost discretion and professionalism.
Must have a strong commitment to teamwork, integrity, and delivering exceptional service to Truliant members.
Bachelor's Degree in Criminal Justice, Risk Management, or ten years’ experience in a related field required.
Seven (7) years of experience in financial crimes investigations is preferred.

Nice To Haves

Experience with electronic investigations, including but not limited to online banking and ACH transactions, strongly preferred.
Professional certifications such as Certified Financial Crime Specialist (CFCS), Certified Anti-Money Laundering Specialist (ACAMS), or Certified Fraud Examiner (CFE) are preferred.

Responsibilities

Lead complex investigations involving large-scale or high-risk fraudulent activity, including identity theft, elder abuse, embezzlement, account takeover, digital channel, deposit, loan, and card-related fraud.
Manages and prioritizes multiple investigative cases with minimal supervision, ensuring thorough documentation, compliance, and timely resolution.
Utilizes internal systems, databases, and open-source tools to research account activity, validate member claims, and document investigative findings.
Prepares advanced investigative reports for management, regulatory agencies, and law enforcement, including recommendations for remediation and prevention.
Collaborates with law enforcement and governmental agencies to support criminal investigations, provide evidence, and deliver expert testimony as needed.
Partners with various departments to quickly identify and mitigate fraudulent activity, minimizing potential losses to the Credit Union and its members.
Serves as a subject matter expert to internal departments, offering guidance on fraud risk management, prevention strategies, and investigative best practices.
Assists in developing and delivering advanced fraud prevention training to employees across all departments.
Works with the Compliance Department to file Suspicious Activity Reports (SARs) and assist the Legal Department in responding to criminal subpoenas from government agencies.
Identifies and escalates new or evolving fraud trends, working with leadership to develop and implement proactive fraud prevention initiatives.
Effectively communicates and provides fraud/investigative reporting with team members, leaders, and others involved in the credit union system.
Assists with other tasks and projects as assigned.