Fraud Investigator I

Description

Join Our Team-Where Protection, Investigation, and Purpose Matter

At BM Technologies, protecting our customers and safeguarding their financial well-being is a responsibility we take seriously. Our Fraud Investigators play a critical role in identifying suspicious activity, investigating fraud claims, mitigating losses, and helping strengthen our fraud prevention efforts. If you're analytical, detail-oriented, and motivated by solving complex problems, this role offers meaningful impact and professional growth.

Why You'll Love This Role

• You'll play a direct role in protecting customers and the organization from fraud-related losses.
• You'll be trusted to investigate complex situations and make informed decisions.
• You'll work alongside Fraud Prevention, Compliance, Risk Management, Operations, and other key business partners.
• You'll continuously learn about emerging fraud schemes, trends, and prevention strategies.
• You'll have opportunities to develop your expertise within a growing fintech and banking environment.
• You'll be recognized for critical thinking, sound judgment, and attention to detail.

This role is ideal for someone who enjoys investigating issues, uncovering patterns, and helping protect customers through thoughtful analysis and action.

Where You'll Spend Time

• Investigating allegations and suspicions of customer fraud activity.
• Reviewing account activity, transaction details, supporting documentation, and fraud indicators.
• Communicating with customers, merchants, and internal partners regarding fraud claims and investigations.
• Researching cases using fraud tools, reporting systems, and available resources.
• Identifying fraud trends, patterns, and opportunities to reduce future risk.
• Collaborating with Fraud Prevention, Compliance, Risk Management, and Operational teams to improve controls and processes.

Work is performed in a fast-paced, investigative environment that values critical thinking, accuracy, accountability, and customer protection.

What Makes You a Great Fit

• You are analytical, curious, and naturally inclined to investigate problems.
• You can evaluate information objectively and make sound decisions.
• You pay close attention to detail and maintain a high level of accuracy.
• You communicate clearly and professionally with both internal and external stakeholders.
• You remain organized while managing multiple priorities and deadlines.
• You enjoy collaborating with others while maintaining ownership of your work.
• You thrive in environments that require accountability, professionalism, and adaptability.

What You'll Do (Highlights)

• Investigate fraud claims involving customer accounts, transactions, and related activity.
• Analyze documentation and account information to determine appropriate case resolution.
• Evaluate chargeback eligibility and support recovery efforts where appropriate.
• Document investigative findings thoroughly and accurately.
• Identify fraud trends and escalate emerging risks to management.
• Take timely action to help prevent future fraud while minimizing customer impact.
• Support fraud reporting, case management, and departmental initiatives.
• Assist with projects and additional responsibilities as assigned.

Qualifications

Required

• Minimum of 3 years of fraud investigation experience, preferably within financial services.
• Strong understanding of fraud investigation practices and procedures.
• Excellent verbal and written communication skills.
• Strong analytical, organizational, and problem-solving abilities.
• Ability to manage multiple priorities and meet deadlines in a fast-paced environment.
• Ability to exercise sound judgment and maintain confidentiality.
• Willingness to adapt, learn, and support other areas as business needs evolve, with or without reasonable accommodation.

Preferred

• Experience in banking, fintech, financial services, or another regulated industry.
• Knowledge of banking systems, fraud detection tools, and case management platforms.
• Experience with fraud reporting, risk mitigation, and customer protection activities.
• Proficiency in Microsoft Word, Excel, and Outlook.
• Associate or Bachelor's degree in Criminal Justice, Finance, Business, Risk Management, or a related field (or equivalent experience).

Benefits

• Competitive total compensation
• Comprehensive medical, dental, and vision insurance
• Retirement savings plans with company match
• Paid time off and company-observed holidays
• Professional development and training opportunities
• Employee assistance programs
• Opportunities to serve and support our communities

Risk Management Requirements

This position requires adherence to Workplace Policies, Code of Conduct, privacy and information security standards, and all applicable Anti-Money Laundering, Bank Secrecy Act, and USA PATRIOT Act requirements. Employees are expected to operate within authorized limits, follow established controls, and actively support risk mitigation efforts to protect customers, partners, and the organization.

Why Fraud Professionals Choose BM Technologies

Fraud prevention is constantly evolving, and so are we. At BM Technologies, you'll investigate complex cases, identify emerging fraud trends, and help protect our customers and business. You'll partner across the organization, influence meaningful outcomes, and continue building your expertise in a dynamic fintech environment.

Our core values guide everything we do:

• Enterprising - We proactively identify risks and pursue innovative solutions.
• Intentional - We investigate thoroughly, act thoughtfully, and hold ourselves accountable.
• Responsive - We move quickly to address threats, support customers, and mitigate risk.
• Considerate - We lead with professionalism, integrity, and respect in every interaction.

If you're passionate about protecting others, solving complex problems, and making a difference, you'll find a rewarding career at BM Technologies.