Fraud Investigator II

InComm Payments•UNAVAILABLE, FL

11h

About The Position

The Investigator II reviews exception reports, account activity, and other indicators of potential fraud to identify, investigate, and help prevent internal and external fraud. The role conducts moderately complex research and risk analysis using multiple systems, established procedures, and sound investigative judgment. The Investigator II manages cases from initial review through resolution, including evidence collection, case-file preparation, collaboration with retailers and law enforcement, subpoena fulfillment, and courtroom testimony. The role also identifies emerging fraud trends, supports the development and evaluation of fraud strategies, and recommends controls and process improvements that reduce losses while balancing customer experience and operational cost.

Requirements

Two to five years of investigations experience, including managing cases from initiation through resolution or prosecution.
Bachelor’s degree in a related field or an equivalent combination of education and relevant work experience.
Experience preparing cases for court and providing courtroom testimony.
Demonstrated proficiency with Microsoft Word, Excel, PowerPoint, and Outlook.
Ability to interpret and apply relevant network regulations, policies, and procedures.
Strong analytical and critical-thinking skills, including the ability to evaluate complex situations, identify options, draw sound conclusions, and recommend practical courses of action.
Excellent written and verbal communication skills, with the ability to present complex information clearly and appropriately for different audiences.
Strong attention to detail and sound judgment when making time-sensitive decisions.
Ability to manage multiple priorities, work effectively under pressure, and perform independently with minimal supervision.
Demonstrated ability to collaborate effectively with cross-functional teams and external partners.
Ability and willingness to travel independently by air and ground on short notice, approximately 30% of the time.

Nice To Haves

Experience working with retailer investigation teams, law enforcement task forces, or distribution and warehouse operations.
Knowledge and experience with the judicial system.
Experience conducting physical security assessments.
Professional fluency in Spanish and English.

Responsibilities

Review and analyze exception reports, account activity, and other indicators of suspected fraud.
Conduct impartial internal and external fraud investigations, ensuring accurate documentation, timely follow-through, and compliance with established procedures.
Manage investigations from intake through resolution or prosecution, including evidence collection, interviews, case analysis, and case-file preparation.
Prepare clear, detailed investigative reports for law enforcement referrals, prosecution, executive review, and process improvement.
Partner with retailer investigation teams, merchants, distribution channel vendors, and law enforcement agencies to verify activity, resolve cases, and support prosecution when appropriate.
Respond to subpoenas and other lawful requests for records or evidence in accordance with company procedures.
Prepare for and provide accurate, professional courtroom testimony regarding completed investigations.
Conduct Distribution Channel Vendor physical security assessments and document findings and recommendations.
Identify fraud patterns, emerging risks, and control gaps through research, data mining, and analysis.
Support the design, implementation, measurement, and refinement of fraud detection and prevention strategies that appropriately balance loss mitigation, customer experience, and operating cost.
Recommend practical controls and process improvements based on investigative findings and trend analysis.
Use Microsoft Word, Excel, PowerPoint, and Outlook to create case files, analyses, presentations, and reports for audiences at all levels.
Make timely, well-reasoned decisions regarding investigations and financial card shipments in the company’s best interest.
Travel independently, including on short notice, to support investigations, site visits, court appearances, and law enforcement activities.