Regional Fraud Investigator

Burke & Herbert Bank & Trust Regional Fraud Investigator Job Description Summary/Objective The Regional Fraud Investigator position is a key role in the Fraud Investigations Unit of the Corporate Security Department. This position is responsible for conducting comprehensive external fraud investigations on check fraud, wire fraud, account take over, identity theft, new account fraud, elderly exploitation, and other types of fraud, to detect and prevent fraud losses to the bank and the customer. They are responsible for reviewing all allegations of suspected fraud, analyzing data, making critical decisions, interviewing witnesses, suspects, employees, and other related parties. They are responsible for reporting findings, taking the appropriate action, and effectively managing cases. They facilitate fraud recovery to minimize losses to the bank and its customers. May perform general account handling functions such as closing account determination, holds, and restraints. Routinely contacts customers and other bank team members to confirm the legitimacy of high‑risk transactions prior to occurrence and takes appropriate action to mitigate risk. May provide support in other investigations as assigned by the Director of Security and serve as liaison with the business lines, financial institution partners and law enforcement, ensuring adherence to compliance and policies. Essential Duties and Responsibilities Investigate and manage external fraud investigations, such as check fraud, new account fraud, elder exploitation, wire fraud, online take over and other, ensuring cases are handled timely and documented accurately with a concise case summary, following existing procedures. Conduct research, compile, save and retrieve data for the preparation of investigative reports for assigned cases. Review surveillance systems and extract photos/videos for use by the bank and law enforcement personnel. Use internal and external resources to obtain forensic evidence for investigative purposes when reviewing fraud detection reports or investigating cases. Notify and work with law enforcement and prosecutor's office regarding criminal cases to ensure proper resolution. Attend criminal and civil court proceedings as necessary to complete the prosecution of cases. Facilitate fraud recovery efforts to minimize losses to the bank and customers. Prepare and submit Suspicious Activity Reports (SARs) as required. Proper SAR determination is essential. Provide business lines with support and guidance associated with fraud incidents and any reported unusual or suspicious activity. Provide guidance to customer victims on the appropriate course of action and give fraud prevention counseling as needed (e.g., ID theft, wire fraud, malware, phishing). Remain current with emerging fraud trends and activities by attending networking workshops and training. Prepare security alerts and bulletins for internal dissemination as needed. Travel to off‑site locations for investigative purposes. Prioritize tasks to ensure deadlines and expectations are met. Work cases with a sense of urgency while ensuring the accuracy of information. Maintain confidentiality surrounding fraud methods and investigations. Build effective relationships with internal and external stakeholders, including law enforcement agencies and other financial institutions. Network and develop contacts in the private, public, and government sectors to assist in fraud investigations. Education and Experience Bachelor's Degree in Criminal Justice preferred. Three to five years in fraud investigations or law enforcement capacity required. Strong understanding of financial transactions required. Work knowledge of bank products, services, bank systems and transaction types preferred. Strong verbal and written communication skills preferred. Detail oriented with strong research and problem‑solving skills preferred. Good understanding of the Uniform Commercial Code (UCC), Bank Secrecy Act, Bank Protection Act, Regulation E, and Regulation CC. Certifications, Licenses, Registrations Certified Fraud Examiner (CFE) – ACFE preferred. Certified Financial Crimes Investigator (CFCI) preferred. Supervisory Responsibility This position has no supervisory responsibilities. Work Environment This job operates in a clerical office setting. The role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets, and fax machines. Duties are conducted via telephone, face‑to‑face meetings, and on the computer. Physical Demands This position requires manual dexterity, the ability to lift files and open cabinets, and the ability to bend, stoop, or stand as necessary. Travel Travel may be required for this position. Note: This job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice. This employer is an equal opportunity/affirmative action employer. All qualified applicants will receive consideration for employment without regard to sex, gender identity, sexual orientation, race, color, religion, national origin, disability, protected veteran status, age, or any other characteristic protected by law.

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