Senior Specialist, Fraud Investigations

Charles Schwab Inc.•Orlando, FL

1d•$28 - $53•Onsite

About The Position

The Senior Specialist, Fraud Investigations is an individual contributor on Schwab’s Fraud Investigations team within the second-line-of-defense Financial Crimes/Fraud Risk Management organization. The team investigates suspected fraud and pursues recovery of unauthorized debits to client accounts. Investigations may involve unauthorized Wire, Check, ACH, Zelle, Debit Card, and BillPay transactions involving Schwab Bank and Broker Dealer products, as well as other suspected fraud affecting Schwab and its clients. The Senior Specialist conducts high-profile, sophisticated fraud investigations while maintaining a portfolio of cases in a fast-paced environment. The role requires handling multiple investigations, following up with clients and business partners, and working with significant initiative and limited direct supervision. Casework must be completed within regulatory guidelines in a highly scrutinized environment, using sound judgment on risk and fraud issues and effectively balancing individual cases, workload, and additional responsibilities.

Requirements

At least 3–5 years of proven expertise demonstrating risk-based judgment, problem-solving skills, and analytical abilities applicable to financial investigations casework.
Ability to analyze issues and develop problem-solving methodologies with minimal guidance.
Strong time-management skills, including risk-based prioritization and the ability to manage many active cases simultaneously.
Ability to multitask and work in a high-volume, high-pressure environment.
Effective interpersonal, influencing, and facilitation skills, with well-developed verbal and written communication practices.
Ability to make impactful individual contributions to a high-functioning team.
Ability to work independently and collaborate with team members, internal business units, and industry peers.
Exceptional client focus and ability to quickly build relationships and establish trust, respect, competence, and confidence.
Ability to champion timely and responsive resolution of clients’ inquiries related to assigned casework.

Nice To Haves

At least 3–5 years of relevant skills and professional experience supporting effective execution of the role in a fraud, compliance, and/or risk management environment in the financial services industry.
1–3 years of experience with financial investigations and/or customer service supporting clients with complex questions and issues through resolution.
Experience with Regulation E Error Resolution procedures, Uniform Commercial Code (UCC) for check processing, Suspicious Activity Report (SAR) filings, and other regulatory compliance standards.
Memberships, continuing education, and/or certifications in industry associations, such as IAFCI, Certified Fraud Examiner (CFE), or Certified Anti Money Laundering Specialist (CAMS).
BS/BA degree, advanced degree, other coursework, and/or securities license(s).

Responsibilities

Investigate suspected fraud incidents, including unauthorized transactions involving Wire, Check, ACH, Zelle, Debit Card, and BillPay services.
Pursue recovery efforts for unauthorized debits to client accounts.
Maintain and manage a portfolio of active cases, prioritizing work using a risk-based approach.
Follow up with clients and business partners on assigned cases and support timely resolution of client inquiries.
Complete casework within regulatory guidelines and apply sound judgment to risk and fraud issues.
Balance individual investigations, overall workload, and additional responsibilities in a fast-paced, high-volume environment.
Contribute to the development of a high-functioning team and collaborate with internal business units and industry peers.