Fraud Investigator - Midvale, UT or Phoenix, AZ (In-Office)

Zions Bancorporation•Midvale, UT

25d•Onsite

About The Position

Zions Bancorporation is seeking a Fraud Investigator to conduct financial crimes investigations into suspected or known fraudulent activity. The position is in-office at the Zions Bancorporation Technology Center in Midvale, Utah, or at the company’s offices in Phoenix, Arizona. The investigator reviews and analyzes transaction activity and customer relationships to identify suspicious patterns, supports case resolution, prepares clear and timely reports, and communicates with relevant bank teams and managers. The role also involves recommending account closures to Investigations management, escalating risks to team leadership, using bank systems and case-management tools for research, and staying current on fraud and BSA/AML investigative operations and applicable requirements.

Requirements

Bachelor’s degree and at least 1 year of related experience, or at least 2 years of related experience if there is no bachelor’s degree.
At least 1 year of experience in financial services or financial crimes.
Basic working knowledge of the Bank Secrecy Act, USA PATRIOT Act, and other applicable laws and regulations.
Strong understanding of complex financial transactions, business relationships, and relationships between business entities.
Strong understanding of fraud, AML, and terrorist-financing red flags related to identifying suspicious activity.
Strong analytical experience.
Ability to meet deadlines, work independently, and adapt to changing priorities.
Strong oral and written communication skills.
Ability to manage deadlines and be organized, detail-oriented, and highly accurate.
Ability to think independently and handle confidential, delicate, or sensitive information or situations.
Strong PC skills desired, with an emphasis on Microsoft Excel and Word.

Nice To Haves

Relevant professional certification such as ACAMS, ACFE, or ACFCS.
At least 2 years of fraud investigation experience involving multiple fraud typologies, including account takeover, identity theft, scams, and related fraud schemes, with proficiency using fraud detection platforms and analytical tools.
At least 2 years conducting fraud investigations across banking products and services such as checking and savings accounts, credit cards, loans, and other consumer banking products, including investigating and resolving complex fraud concerns.
Experience preparing, reviewing, and filing Suspicious Activity Reports (SARs), with knowledge of regulatory requirements and effective narrative writing.
Ability to analyze large volumes of data to identify patterns, trends, anomalies, and key risk indicators and support investigative decisions.

Responsibilities

Conduct financial crimes investigations of suspected or known fraudulent activity.
Review and analyze transaction activity to identify fraudulent, suspicious, or unusual patterns and trends that support investigations and case resolution.
Write clear, concise, accurate, and timely reports.
Communicate with branch and department managers, BSA Officers, and frontline groups while researching and investigating cases.
Recommend account relationship closures to Investigations management and escalate identified risks to team leadership.
Use bank systems, including the case-management system, to research customer transaction activity.
Stay current on fraud and BSA/AML investigative operations, applicable BSA and USA PATRIOT Act requirements, and training requirements for the investigative role.
Perform other duties as assigned.

Benefits

Medical, dental, and vision insurance starting on day one.
Life and disability insurance.
Paid parental leave and adoption assistance.
Health Savings Account, Flexible Spending Account, and dependent care accounts.
Paid training and paid time off.
11 paid federal holidays and any applicable state holidays.
401(k) plan with company match.
Profit sharing.
Competitive compensation in line with work experience.
Mental health benefits, including coaching and therapy sessions.
Tuition reimbursement for qualifying employees enrolled in an accredited degree program related to business needs, up to $5,250 per calendar year; employees are eligible upon hire.
Employee Ambassador preferred banking products.