[Remote] Fraud Investigtor III
Note: The job is a remote job and is open to candidates in USA. BECU is a financial institution with a strong commitment to serving its members and communities. As a Fraud Investigator III, you will play a critical role in protecting members by analyzing and investigating complex fraud activities, managing investigations, and collaborating with peers to enhance fraud detection efforts.
Responsibilities
• Advanced Fraud Investigations: You’ll analyze, monitor, and investigate complex fraud activity, including high‑dollar transactions, account takeovers, identity theft, fraud rings, and elder abuse cases across multiple products and services
• Case Management & Decisioning: You’ll manage multiple sophisticated investigations at once, completing thorough reviews, conducting member interviews, and making sound decisions within regulatory and compliance timeframes
• SAR Determinations & Filings: You’ll determine when Suspicious Activity Reports are required and complete high‑quality SAR filings in accordance with regulatory standards and deadlines
• Quality & Risk Assessment: You’ll perform in‑depth analysis of evidence, assess the accuracy and credibility of information, and develop well‑supported investigative conclusions that meet quality expectations
• Trend & Ring Analysis: You’ll identify emerging fraud trends, larger fraud rings, and systemic vulnerabilities, escalating issues appropriately to reduce risk and losses
• Collaboration & Knowledge Sharing: You’ll actively participate in—and often lead—knowledge‑sharing sessions, working closely with peers, strategy partners, and leadership to improve fraud detection and investigations
• Coaching & Support: You’ll provide guidance, feedback, and escalation support to other Fraud Investigators, helping elevate investigation quality and SAR writing across the team
• External Partnership Support: You’ll collaborate with law enforcement and external partners by providing documentation, filing police reports when applicable, and supporting credit union loss recovery efforts
• Continuous Improvement: You’ll contribute ideas to enhance alerts, workflows, and investigative processes, helping the department evolve as fraud risks change
Skills
• A bachelor's degree or equivalent work or educational experience required
• 5 years' experience in fraud or financial crimes prevention, detection, or case investigations to include 2 years in a fraud specific customer service environment
• Certified Financial Crime Specialist (CFCS), Certified Fraud Examiner (CFE) required or can be obtained by applicant within 1 year of hire
• Experience in writing and filing Suspicious Activity Reports preferred
• Ability to work independently, and as a team member, while using discretion in decision making
• Verbal and written communication skills required to effectively communicate
• Conceptual and organizational skills, with the ability to prioritize multiple tasks
• Organizational and problem-solving skills required
• Knowledge of Regulation E, Regulation CC, and Regulation UCC
Benefits
• 401(k) Company Match (up to 3%)
• 4% annual contribution to your 401(k) by BECU
• Medical, Dental and Vision (family contributions as well)
• PTO Program + Exchange Program
• Tuition Reimbursement Program
• BECU Cares volunteer time off + donation match
Company Overview
• As a member-owned, not-for-profit financial cooperative, BECU is guided by the credit union philosophy of “people helping people.” In fact, putting people over profit guides our everyday business decisions. It was founded in 1935, and is headquartered in Tukwila, Washington, USA, with a workforce of 1001-5000 employees. Its website is https://www.becu.org/landing/fintech-incubator.
Responsibilities
• Advanced Fraud Investigations: You’ll analyze, monitor, and investigate complex fraud activity, including high‑dollar transactions, account takeovers, identity theft, fraud rings, and elder abuse cases across multiple products and services
• Case Management & Decisioning: You’ll manage multiple sophisticated investigations at once, completing thorough reviews, conducting member interviews, and making sound decisions within regulatory and compliance timeframes
• SAR Determinations & Filings: You’ll determine when Suspicious Activity Reports are required and complete high‑quality SAR filings in accordance with regulatory standards and deadlines
• Quality & Risk Assessment: You’ll perform in‑depth analysis of evidence, assess the accuracy and credibility of information, and develop well‑supported investigative conclusions that meet quality expectations
• Trend & Ring Analysis: You’ll identify emerging fraud trends, larger fraud rings, and systemic vulnerabilities, escalating issues appropriately to reduce risk and losses
• Collaboration & Knowledge Sharing: You’ll actively participate in—and often lead—knowledge‑sharing sessions, working closely with peers, strategy partners, and leadership to improve fraud detection and investigations
• Coaching & Support: You’ll provide guidance, feedback, and escalation support to other Fraud Investigators, helping elevate investigation quality and SAR writing across the team
• External Partnership Support: You’ll collaborate with law enforcement and external partners by providing documentation, filing police reports when applicable, and supporting credit union loss recovery efforts
• Continuous Improvement: You’ll contribute ideas to enhance alerts, workflows, and investigative processes, helping the department evolve as fraud risks change
Skills
• A bachelor's degree or equivalent work or educational experience required
• 5 years' experience in fraud or financial crimes prevention, detection, or case investigations to include 2 years in a fraud specific customer service environment
• Certified Financial Crime Specialist (CFCS), Certified Fraud Examiner (CFE) required or can be obtained by applicant within 1 year of hire
• Experience in writing and filing Suspicious Activity Reports preferred
• Ability to work independently, and as a team member, while using discretion in decision making
• Verbal and written communication skills required to effectively communicate
• Conceptual and organizational skills, with the ability to prioritize multiple tasks
• Organizational and problem-solving skills required
• Knowledge of Regulation E, Regulation CC, and Regulation UCC
Benefits
• 401(k) Company Match (up to 3%)
• 4% annual contribution to your 401(k) by BECU
• Medical, Dental and Vision (family contributions as well)
• PTO Program + Exchange Program
• Tuition Reimbursement Program
• BECU Cares volunteer time off + donation match
Company Overview
• As a member-owned, not-for-profit financial cooperative, BECU is guided by the credit union philosophy of “people helping people.” In fact, putting people over profit guides our everyday business decisions. It was founded in 1935, and is headquartered in Tukwila, Washington, USA, with a workforce of 1001-5000 employees. Its website is https://www.becu.org/landing/fintech-incubator.