Hybrid Fraud Investigator en Nusenda Credit Union

Nusenda Credit Union is dedicated to excellent member service, care for our community, and being a great place to work. We work to make a positive difference in the lives of the people we serve and help them achieve their financial goals. Diversity, equity, and inclusion are part of our culture and values.

We invest in people and their careers. Our competitive employee benefits include several health and wellness options, competitive 401(k) matching contributions, professional development, and tuition assistance and more!

Thank you for your interest in joining the Nusenda team!

We are currently seeking a Fraud Investigator to join our organization. As a Fraud Investigator, you will be responsible for serving as the credit union’s fraud expert, conducting thorough examinations of suspected fraudulent activity to protect members and mitigate losses. You will analyzes evidence from multiple sources including transaction records, digital footprints, member interviews, and external databases to reconstruct fraud scenarios, identify perpetrators, and recover assets. You'll identify theft, account takeovers, check fraud, and social engineering scams to ensure compliance with regulations. Additionally, you will collaborate closely with the Fraud Investigation Manager, and law enforcement to prepare prosecution ready case files and testify in court, when necessary.

What you'll do: 

• Investigates complex fraud cases (e.g., identity theft, loan fraud, check fraud, new account fraud, account takeover) using fraud detection platform and other fraud tools, monitoring transaction histories for each account reviewed, and external databases (Lexis Nexis).
• During fraud review, conducts interviews for members, witnesses, and internal stakeholders to reconstruct fraud timelines.
• Testify in court hearings
• Freezes accounts when fraud is detected and recovers funds with regulation guidelines through letter of indemnity (LOI) and breach of warranties.  
• Communicate with law enforcement on fraud cases submitted against fraudsters who have attempted or committed fraud against the Credit Union, and Fraud Investigation Manager to prepare subpoenas, affidavits, and prosecution ready case files.
• Partner with the Fraud Systems Analyst to refine detection rules on investigation findings.
• Draft detailed case reports for the Fraud Investigations Manager, highlighting root cause and recovery outcomes for all large cases using account investigation details, alerts reviewed, and makes recommendations to mitigate fraud in the future. 

What you'll need:

• Three to five years of similar or related experience
• Associate’s degree in Business Administration, Criminal Justice, or equivalent to a two-year degree

Key Skills and Experience:   

• Advanced knowledge of fraud schemes and regulatory frameworks.
• Ability to identify inefficiencies in investigation workflows and recommend tools or training to reduce resolution times
• Maintain secure records of evidence, interviews, and case resolutions for legal and audit purposes in fraud case management tool and the fraud internal drive.
• Accurate in identifying suspicious activities, enhancing overall security and reducing false positives.
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  Ensure compliance with Reg CC and other relevant regulations during evidence handling.

Nusenda Credit Union is an equal opportunity employer. All aspects of employment including the decision to hire, promote, discipline, or discharge, will be based on merit, competence, performance, and business needs. We do not discriminate on the basis of race, color, religion, marital status, age, national origin, ancestry, physical or mental disability, medical condition, pregnancy, genetic information, gender, sexual orientation, gender identity or expression, veteran status, or any other status protected under federal, state, or local law.