Financial Crimes Investigator 2

 

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As the nation's largest community credit union, we begin every day focused on delivering superior financial products and services for our 1.3 million members and more than $30 billion in managed assets. Our work has an economic impact as we support our members' financial goals. We are unapologetic about being devoted to our members and the communities we serve. Our business is guided by our people helping people philosophy – which includes our team members.

BECU has been in business for more than 85 years, driven by unwavering core values and a dedication to improving the communities we serve. While we have a rich history, the future of our company, accelerated by business and technology transformation, is even brighter. There's never been a better time to work for BECU.

To learn more visit becu.org/careers.

PAY RANGE

The Target Pay Range for this position is $73,600-$89,900 annually. The full Pay Range is $57,200-$106,300 annually. At BECU, compensation decisions are determined using factors such as relevant job-related skills, experience, and education or training. Should an offer for employment be made, we will consider individual qualifications. In addition to your salary, compensation incentives are available for the hired applicant. Incentives are performance based and targets vary by role.

BENEFITS

Employees and their eligible family members have access to a wide array of employee benefits, such as medical, dental, vision and life insurance coverage. Employees have access to disability and AD&D insurance. We also offer health care and dependent care flexible spending accounts, as well as health savings accounts, to eligible employees. Employees are able to enroll in our company’s 401k plan and employer-funded retirement plan. Newly hired employees accrue 6.16 hours of paid time off (PTO) on a per pay period basis based on hours worked (up to a maximum of 160 PTO hours per year) and receive ten paid holidays throughout the calendar year. Additional details regarding BECU Benefits can be found

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SUMMARY

The Financial Crimes Investigator 2 is responsible for conducting moderately complex research and preparing documentation related to investigations of application fraud, check forgery, loan fraud, elder abuse and other financial criminal activities. This person will also be skilled in identifying and investigating complex fraud rings. These may be committed by a member or nonmember using a product or service to fraudulently obtain monies at the expense of BECU or its’ members. This person will work with their management team to analyze and identify fraud trends, recommend controls to mitigate loss, and monitor BECU’s fraud detection systems for suspicious activity.

RESPONSIBILITIES

• Perform all responsibilities in accordance with BECU Competencies, compliance, regulatory and Information Protection requirements.
• Maintain a thorough knowledge of all laws and regulations pertaining to financial crimes, including related fraud laws including RCW codes and Regulation E guidelines.
• Identify and investigate complex fraud rings in the industry. Create and present thorough case files while pursuing law enforcement involvement.
• Monitor the fraud detection system utilized by Financial Crimes department.
• Resolve fraud issues that require a moderate or large amount of review and investigation, working with both internal and external clients to monitor and resolve the case. Research and investigate each case of fraud to conclusion.
• Implement and monitor strategies/systems for the minimization of fraud across the portfolio of the organization's interests, activities and services.
• Provide lobby response regarding fraudulent situations which may include approaching suspicious individuals or fraud suspects.
• Maintain a good relationship with law enforcement and continually build contacts to assist in fraud related matters.
• Work with internal audit operations to ensure prevention strategies are effectively implemented. Assist appropriate departments in determining possible acts or attempts of fraud.
• Maintain an acceptable caseload through effective time management, ensuring all cases are clearly and accurately documented for future reference and complete all required regulatory reports timely and accurately.
• Train appropriate staff regarding fraud and industry trends. Provide recommendations and implement changes/enhancements to procedure and training materials.
• Provide ongoing analysis of case files to determine emerging trends. Provide recommendations to management to assist in loss mitigation, preparing statistical summaries and other reports as needed.
• Inform management of all active cases of fraud and answer questions in regard to the case, including communicating which laws were broken and what actions should be taken.
• Provide immediate support to possible violations including OFAC, CIP, USA Patriot Act, Bank Secrecy Act and Money Laundering.
• Perform additional duties as assigned.

QUALIFICATIONS

• Bachelor's degree in criminal justice or related field, or equivalent work or educational experience required.
• Formal training in interviewing and interrogation techniques required.
• Minimum five years of experience in Financial Crimes investigation and/or Fraud, including review and determination of fraud and financial crimes scenarios required. Financial institution security experience preferred.
• Certified Fraud Examiner (CFE), or equivalent fraud certification, required within a year of employment
• Proficient spreadsheet and word processing experience preferred.
• Experience with handwriting analysis preferred.
• Excellent organizational and problem-solving skills required.
• Excellent verbal and written communication skills to effectively communicate and provide customer service required.
• Ability to converse and describe acts of fraud and suspect description with 911 required.
• Effective skills in interviewing and interr and negotiation required.
• Full time hours required, with additional hours as necessary.

EEO Statement:

BECU is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, veteran status, disability, sexual orientation, gender identity, or any other protected status.

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