Senior Bank Fraud Investigator

General information Ref # 22181 Remote? No The Opportunity In office role with hybrid schedule - Ally work locations Lewisville, TX or Charlotte, NC At this time, Ally will not sponsor a new applicant for employment authorization for this position. The Primary Role The primary role of the Senior Bank Fraud Investigator is to investigate and deter fraud against Ally Bank. This role requires the ability to conduct in-depth research of complex situations, use subject matter disciplines to solve difficult problems, execute various risk mitigation efforts and provide clear documentation of all findings. This position requires the ideal candidate to be a high-level problem solver. You will work independently on various bank fraud projects and present findings and solutions to loss prevention leadership. The Work Itself Conduct thorough investigations of fraud cases (including detailed link analysis) utilizing various tools and reports to identify potentially fraudulent activities on new/existing accounts. Initiate investigations; responsible for handling all aspects of the investigation, including detailed analysis and research to resolve issues. Prepare drafts Regulatory Reports for potential submission to FinCen (SAR referrals). Collaborate with internal/external fraud investigators, legal teams, Adult Protective Services (APS) and Law Enforcement, acting as a liaison, preparing case referrals and follow up investigations. Conduct interviews with customers, representatives from other financial institutions, and other pertinent individuals to investigate and gather information related to potentially fraudulent activities. Analyze data to detect patterns and trends in fraudulent activities. Ensure compliance with Federal and State laws and regulations related to fraud investigations. Responsible for reviewing large data sets to discover transaction patterns and filter for targeted information using traditional as well as predictive/advanced analytic methodologies. Excellent communication and collaboration abilities. Ensure enterprise-wide compliance with established standards, regulatory policies and procedures for the bank set by FSI as well as Compliance and Legal departments. Provide excellent customer service to those customers impacted by potential fraud, ensuring we help as appropriate. Maintain up-to-date knowledge, best practices, and awareness of investigative fraud techniques, fraud regulations (FinCen, UCC, etc), and investigation handling policy and procedures. The Skills You Bring Minimum Qualifications 3+ years of experience High school Diploma or GED equivalent Preferred Qualifications Bachelor's Degree preferred in Criminal justice or related field. 3+ years of fraud and SAR experience in financial services. Work-related experience should consist of in-depth background in bank fraud investigations of all types of forgery claims and schemes (i.e., kite schemes, counterfeit checks, forgeries, wires, ACH, etc.), banking operations, government regulations, basic knowledge of UCC codes and industry defenses to adverse claims. Proven knowledge of regulatory Suspicious Activity Report experience - must have skills related to identifying, analyzing, and reporting suspicious activities. Proficient in conducting interviews with various stakeholders strongly preferred. Knowledge in Elder Abuse and/or Elder Financial Exploitation investigations are strongly preferred. Proficiency in data analysis tools and software. Experience investigating ACH, Wires, Account Takeover, etc. CFE, CAFP, and CFCI Certifications preferred. Detail-oriented with strong organizational skills. Ability to make appropriate judgments and decisions with limited guidance. Ability to work independently and as part of a team. High level of critical thinking, analytical, problem-solving skills High ethical standards and integrity. Base Pay Range Emerging: 70000 Experienced: 95000 Expert: 120000 Incentive Compensation: This position is eligible to participate in our annual incentive plan. Where permitted by applicable law, must have received or be willing to receive the COVID-19 vaccine by date of hire to be considered, if not currently employed by Ally. We are committed to working with and providing reasonable accommodation to applicants with physical or mental disabilities. For accommodation requests, email us at View email address on click.appcast.io. Ally will not discriminate against any qualified individual who is capable of performing the essential functions of the job with or without reasonable accommodation. Ally is an equal opportunity employer committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to age, race, color, sex, religion, national origin, disability, sexual orientation, gender identity or expression, pregnancy status, marital status, military or veteran status, genetic disposition or any other reason protected by law. #J-18808-Ljbffr Ally