Job Description

Job Title: Investigator II
Status: Non-exempt
Reports to: Supervisor - Fraud Operations
Department: Enterprise Fraud
Job Code: 11452
Pay Range: $33.86 - $37.00 Hourly
Location: Remote in CA only

WHO WE ARE:
Golden 1 Credit Union is among the top credit unions in the country. As a member-owned, not-for-profit cooperative, Golden 1 is guided by the credit union philosophy of “people helping people.” We are committed to empowering our members and uplifting our communities as we create a more equitable and financially inclusive California. We welcome all who embrace our Core Values.

WHO YOU ARE:
You are a detail-oriented fraud and financial investigations professional with experience in AML/BSA compliance, fraud detection, and complex case management. You excel at analyzing suspicious activity, gathering and evaluating evidence, and partnering with internal teams, law enforcement, and financial institutions to mitigate risk and protect organizational assets. With strong investigative, analytical, and communication skills, you serve as a trusted subject matter expert who supports compliance efforts, mentors team members, and drives effective fraud prevention and loss mitigation strategies.

WHAT YOU'LL DO:
• Utilizes knowledge of credit union systems, processes, and contacts as resources for conducting investigations. Develops a plan of action and gathers, analyzes, and compiles evidence for multiple case assignments. Prepares case documentation and writes a complete final summary report of investigation.
• Investigate and respond to check fraud claims as received by members and/or other financial institutions.
• Investigate suspicious activity cases generated by the internal automated AML/BSA monitoring system or Unusual Activity Referrals reported by branch personnel and other lines of business.
• Review cases assigned for closure to ensure Verafin case has proper coding, and all steps are taken prior to closing account in DSUI.
• Assesses internal controls and procedures associated with assigned cases, identifying control breakdowns and makes recommendations to prevent future losses. Assists with determining new procedures to prevent, detect, and investigate fraudulent activity. Reviews fraud data to ensure accuracy for reporting and audit purposes. Assist with computer crime investigations and investigate breaches of information security policies as requested.
• Prepares recommendations as to whether a member’s transactional activity is fraudulent and thereby requiring a BSA UAR referral. The recommendation will be based on an analytical assessment of internal and external data sources, internet, and other sources to provide the rationale for recommended courses of action.
• Reviews individuals’ and entities’ accounts reported in a police report utilizing different management systems to determine if other suspicious activity noted in the accounts should be reported. Prepares police report and/or BSA UAR referral if necessary.
• Performs red flag alert reviews on account activity for submitted fraud closures, determines if the previously reported fraudulent activity has continued or ceased. Files supplemental police report if additional suspicious activity is identified and works with BSA SAR Investigator on continued 90-day fraud referrals.
• Assist with auditing Investigator I BSA narratives prior to submitting to BSA department.
• Maintains current information on various systems as well as required files and documentation. Ensures records are complete and available for review and audit as needed. Complies with regulatory requirements, security, and applicable policies and identifies control and procedural issues.
• Serves as resource to branches/departments inquiries related to financial investigations questions to provide best information possible regarding fraud to better serve the members and the Credit Union’s interest.
• Assists with the timely completion and investigation of assigned 314(b) requests.
• Completes annual BSA/AML/OFAC training requirements and keeps current with Money Laundering and Terrorist Financing trends.
• Provides support, guidance, and training of new staff and serves as the quality control reviewer for alerts, cases, and BSA UAR referrals.
• Assists in collecting documentation for examiners, auditors, law enforcement, and governmental agencies regarding fraudulent activity and BSA/AML monitoring records.
• Participates in moderate to complex project initiatives as the primary subject matter expert.
• Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including bank secrecy and anti-money laundering laws appropriate to the position.
• Assists and identifies other investigative efforts within the department, including creating and working moderately complex cases.
• Understand CTR filing requirements and be able to answer basic questions.
• Assists with the training of new staff and acts as a resource for all team members regarding a variety of loss prevention and fraud scenarios.
• Assists in development and facilitation of fraud prevention and awareness for all branch and HQ staff as applicable.
• Maintain accurate tracking of work performed, which will be used in department performance measurements.
• Prepare police reports for all losses over the established thresholds or established behaviors outlined in department procedures. Work with law enforcement as required, providing updates or additional information as needed.
• Responds to law enforcement agencies and financial institutions requesting documentation and/or images to support investigations involving credit union losses. Perform other duties as assigned.
• Perform other duties as assigned.
QUALIFICIATIONS AND PREFERENCES:
• Bachelor’s Degree or combination of experience and education required
• 5+ years financial institution or law enforcement experience and Fraud, AML, or card fraud experience required
WHY JOIN US:
Golden 1 Credit Union provides its employees a market-competitive and internally equitable total rewards compensation package through a variety of programs. These programs are designed to attract, motivate, and retain employees that drive and support the achievement of Our Mission, Vision, and Strategic Goals. The Credit Union is committed a total rewards philosophy built on; a comprehensive compensation package, well-being and work-life balance, career development and growth, rewards and recognition, and a commitment to Diversity, Equity and Inclusion. We believe in fostering a workplace where every employee is recognized, valued, and motivated to contribute their best.

Please view the full job description detailing the complete list of duties and expectations for this role by clicking or copying this URL into your browser: https://golden1.jdxpert.com/ShowJob.aspx-EntityID=2&id=2195

DISCLAIMER/INTENT AND FUNCTION OF JOB DESCRIPTIONS:
The above information on this description has been designed to indicate the general nature and level of work performed by team members within this classification. Because the nature of positions and job functions can change over time, this job description is not designed to contain or be interpreted as a comprehensive inventory of all essential functions, duties, responsibilities and qualifications requirements of team members assigned to this job. Job duties may be changed or modified in the Credit Union’s discretion. The Credit Union will keep team members updated on key functions, duties, and requirements of their position by communications from the Credit Union and by updating the job description from time to time. Any team member with questions about the nature of their job duties is encouraged to consult with their supervisor.
Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.
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