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

Zions Bancorporation • Midvale, UT

26d • Onsite

About The Position

Zions Bancorporation is seeking a Fraud Investigator to join their team. This position will be in-office and located at their Zions Bancorporation Technology Center in Midvale, UT or at their offices in Phoenix, AZ. Zions Bancorporation is a premier financial services company with a strong presence in high-growth western markets, recognized for its employee-centric culture and community involvement. They offer a comprehensive benefits package starting on day one, including bank holidays, profit sharing, and company-matched 401(k) contributions.

Requirements

• Bachelor’s degree and minimum of 1 year of related experience. If no Bachelor’s degree, a minimum of 2 years of related experience needed.
• Minimum 1 Year of experience in financial services or financial crimes
• Basic working knowledge of Bank Secrecy Act, USA Patriot Act, and other applicable laws and regulations.
• Strong understanding of complex financial transactions and business relationships and relationships between business entities.
• Strong understanding of fraud, AML and terrorist financing red flags related to the identification of suspicious activity.
• Strong analytical experience.
• Ability to meet deadlines, work independently and adapt to changing priorities.
• Strong oral and written communication skills, both verbal and written.
• Ability to manage deadlines, be organized, detail-oriented and high degree of accuracy.
• Ability to be an independent thinker and to handle confidential, delicate and/or sensitive information or situations.
• Strong PC skills desired with an emphasis in MS Excel and Word.

Nice To Haves

• Relevant Professional Certification: Association of Certified Anti-Money Laundering Specialists (ACAMS), Associate of Certified Fraud Examiners (ACFE) or Association of Certified Financial Crime Specialists (ACFCS) is a plus.
• 2+ years of fraud investigation experience involving multiple fraud typologies, including Account Takeover (ATO), Identity Theft, scams, and related fraud schemes, with demonstrated proficiency using fraud detection platforms and analytical tools to identify, investigate, and mitigate fraudulent activity.
• 2+ years of experience conducting fraud investigations across a variety of banking products and services, including checking and savings accounts, credit cards, loans, and other consumer banking products, with the ability to identify, investigate, and resolve complex fraud-related concerns.
• Experience preparing, reviewing, and filing Suspicious Activity Reports (SARs), with a strong understanding of regulatory requirements and effective narrative writing.
• Ability to analyze large volumes of data to identify patterns, trends, anomalies, and key risk indicators, enabling the detection of potential fraudulent activity and supporting effective investigative decision-making.

Responsibilities

• Conducts 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 the investigative process and case resolution.
• Write clear and concise reports in an accurate and timely manner.
• Communicates with branch, department managers, BSA Officers, and frontline groups as necessary, in researching and investigating cases.
• Makes recommendations for closing account relationships to the Investigations management.
• Escalates identified risks to team leadership.
• Uses various bank systems to conduct research of customer transaction activity including the case management system.
• Keeps current on fraud and BSA/AML investigative operations and the application of the BSA and USA PATRIOT Act requirements along with training requirements for the investigative role.
• Perform other duties as assigned.

Benefits

• Medical, Dental and Vision Insurance - START DAY ONE!
• Life and Disability Insurance, Paid Parental Leave and Adoption Assistance
• Health Savings (HSA), Flexible Spending (FSA) and dependent care accounts
• Paid Training, Paid Time Off (PTO) and 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 the needs of the business, maximum of $5,250 per calendar year, employees are eligible for the program upon hire
• Employee Ambassador preferred banking products

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level