Fraud Investigator III - Oak Ridge, NJ

Provident Bank•Oak Ridge, NJ

16d•$70,000 - $100,000•Hybrid

About The Position

The Fraud Investigator III is a senior-level professional responsible for investigating complex fraud cases, minimizing financial loss, and protecting the Bank from fraudulent activity. This role conducts in-depth transaction analysis, leads investigations, and partners with internal stakeholders and external agencies to identify, mitigate, and prevent fraud. The position requires strong analytical judgment, regulatory awareness, and the ability to independently manage high-risk cases in a fast-paced environment.

Requirements

Strong knowledge of fraud detection, banking operations, and regulatory requirements
Proven ability to conduct complex investigations and transaction analysis
Experience with SAR writing and case documentation
Strong analytical thinking, problem-solving, and decision-making skills
Excellent written and verbal communication skills
Ability to manage sensitive situations and work independently under pressure
5+ years of experience in fraud investigations, financial crimes, or banking risk functions
Experience handling complex or high-risk fraud cases required

Nice To Haves

Certified Fraud Examiner (CFE) or similar certification preferred

Responsibilities

Investigate complex fraud alerts, suspicious transactions, and high-risk account activity
Perform forensic transaction analysis, account reviews, and digital activity assessments
Identify patterns, trends, and emerging fraud risks
Maintain complete, audit-ready case files with supporting evidence and documentation
Prepare clear, concise Suspicious Activity Reports (SARs) and investigation summaries
Track fraud trends and provide insight to management
Partner with law enforcement, regulators, and financial institutions to support investigations
Conduct interviews with customers and internal personnel
Participate in legal proceedings, including court appearances and depositions as required
Identify and recover misappropriated funds through investigation and negotiation
Support recovery and collection efforts in coordination with internal and external partners
Contribute to enhancement of fraud monitoring and detection controls
Identify root causes and recommend improvements to reduce exposure
Support fraud trend analysis and reporting to inform risk strategy