Fraud Investigator

Supervisory Responsibilities: None Job Summary Works closely with Deposit and Retail Operations on loss prevention, fraud and security investigations to investigate and deter fraud against the Bank. The role requires in-depth research of complex situations, application of subject matter disciplines to solve difficult problems, execution of risk mitigation efforts, and clear documentation of all findings while maintaining a balanced perspective to uphold the Centier Brand and high level of customer experience. Essential Functions and Responsibilities Works with Associates and Managers on incidents and allegations involving new or existing accounts set up in the Bank. Interacts with other departments, other companies, and local, state, and federal authorities (including Adult Protective Services) when required. Performs a series of reviews, including detailed link analysis, using various tools and reports to identify potential fraudulent activities on new or existing Bank Deposit accounts and lending relationships. Utilizes sound judgment and knowledge of financial investigative tools/techniques to establish an investigative plan; initiates investigations by gathering facts and evidence; conducts research and analysis using back‑end customer profile and transactional systems; prepares confidential independent investigative reports that document findings. Maintains current knowledge and awareness of investigative fraud techniques, privacy laws, bank regulations, investigation and security incident handling policy and procedure. Possesses a strong working knowledge of Deposits line of business operating practices and policies; maintains strong working relationships with appropriate industry groups and governmental agencies. Works closely with Compliance, LOB representatives, Risk, Audit, Human Resources, vendors, and law enforcement. Prepares drafts of Regulatory Reports for potential submission to FinCen (SAR referrals). Responds to requests from Law Enforcement, acts as a liaison, prepares case referrals, and follows up on investigations. Assists Investigations Manager in the preparation of reports as required for documentation to ensure adherence to policies and procedures. Provides excellent customer service to those customers impacted by potential fraud, ensuring appropriate assistance is offered. Recommends process/procedural changes needed to avoid risk to the bank and improve the customer experience, and participates in the development of business cases supporting recommended policy changes. Initiates correspondence to customers and other financial institutions to facilitate investigation and recover funds. Knowledge, Skills, and Abilities Ability to multi-task and a proven track record of working independently. Challenge driven, goal oriented, and capable of handling emergency or crisis situations. Ability to effectively handle difficult/contentious customer issues in a professional manner. Ability to work in a fast‑paced customer‑centric environment, balancing the need to meet production and quality standards. Strong written and verbal communication skills. Effective time management and organizational skills. Experience analyzing multiple streams of data to draw conclusions and/or take actions. Proficiency with MS Office required (advanced Excel preferred). Strong Windows‑based PC skills required. Minimum Qualifications Bachelor's Degree (equivalent experience will be considered). 2+ years of experience in financial services. Working knowledge of current bank fraud investigative techniques and/or systems. Equal Opportunity and Disability Accommodation Statement Centier Bank is an Equal Employment Opportunity/Affirmative Action employer and is committed to providing reasonable accommodations to individuals with disabilities in the employment application process. The Company promotes and ensures equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status, or any other legally protected status. #J-18808-Ljbffr Centier Bank