Fraud Investigator

About Gulf Winds

Gulf Winds Credit Union offers innovative financial tools that give our members freedom to live life with their finances under control. Since our founding in 1954, we have grown from a single branch in Pensacola, Florida, to a regional institution with over $1 billion in assets and 83,000+ members across Florida, Alabama, and Georgia. From daily banking needs to investment services, our members aren‘t treated like an account number, but as part of the family.

Our Values

We are guided by our core values of Integrity, Care, Growth, and Innovation and are dedicated to our members, our community and each other.

Integrity
We own our decisions and actions by doing the right thing, learning from our mistakes, and taking responsibility.

Care
We help members meet their goals by listening to understand and offering the best solutions, placing kindness above all else.

Growth
We set ambitious goals, provide personal development opportunities, and encourage results.

Innovation
We challenge the status quo to enhance the member‘s experience and solve tomorrow‘s challenges today.

Working at Gulf Winds

Working at Gulf Winds is not just a job, it‘s a career. We‘re hiring collaborative, motivated people who want to love what they do. We are forward-thinking and family oriented. We recognize and reward excellent member service and have fun while working hard. When you join the team, you can expect:

• Open and transparent communication with your leaders
• Consistent coaching and opportunities to improve performance.
• Collaborative and team-focused environments
• Short and long-term professional development
• Opportunity to participate in cross-functional projects.

With you on our team we can achieve our vision of becoming the leading and most trusted credit union on the Gulf Coast.

Job Description

Pay Range: Starting at $24.25 an hour

Role:

Fraud Investigator conducts investigations into allegations of fraud or abuse committed against the Credit Union. This position would coordinate with the Fraud Specialist and Fraud Manager in the handling of fraud cases reported by the membership and our infrastructure for protecting the member and Credit Union assets. They will prepare and coordinate to obtain relevant evidence and information for fraud cases and will be responsible for identifying and handling such claims. Fraud Investigator is also responsible for pursuing recoveries on charged off accounts caused by fraudulent activity.

Essential Functions & Responsibilities:

Coordinates with the Fraud Manager, Fraud Specialist, and the Risk Management team to ensure to report/respond to fraud in an effort to keep it minimal throughout the credit union.

Monitors online accounts for suspicious activity and works to organize, maintain, and write fraud cases with notes detailing steps and evidence related to fraudulent online activity including but not limited to external transfers, bill payments, or loan/account applications. .

Creates case files; Account research including transaction activity, online banking activity, IP address history, IP address used, video footage, check copies, social media content, etc.

Research and report fraud trends along with working with law enforcement and local task forces. Assists with SAR filing when applicable.

Makes efforts to collect on charged off accounts linked to fraudulent activity in accordance with organizational policy and regulations including but not limited to the FDCPA and the TCPA; Efforts include but are not limited to filing police reports, making payment arrangements, filing judgements, etc. Tracks and reports both losses and recoveries to the Fraud Manager.

Makes court appearances and completes sworn affidavits.

Handles criminal subpoenas and follows up with court issued restitution.

Performs other job-related duties as assigned.

Performance Measurements:

Case files are maintained appropriately to provide sufficient evidence for SAR reporting, law enforcement assistance, criminal subpoenas, and court ordered restitution.

Report fraud trends and activity to management timely and effectively. Carry out assigned duties and responsibilities with minimal errors according to established department standards.

Actively participate in local task force meetings and communicate trends and member education to management effectively and timely.

Comply with all applicable rules, regulations, procedures and policies, including but not limited to Reg E, OFAC, BSA, Physical Security and NACHA guidelines.

Knowledge and Skills:

Experience: Three years to five years of similar or related experience.

Education: (1) A high school diploma or (2) Completion of a specialized course of study at a business or trade school or (3) Completion of a specialized and extensive in-house training or apprenticeship program.

Interpersonal Skills: Trust and diplomacy is required, in addition to normal courtesy and tact. Work involves extensive personal contact with others and is usually of a personal or sensitive nature. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary and often requires the ability to influence and/or sell ideas or services to others.

Other Skills: Intermediate computer skills including word processing and other financial computer applications; ability to create and deliver informative presentations; working knowledge of federal regulations, ability to implement and maintain effective internal controls to safeguard credit union and member assets. Ability to read, write, comprehend, and speak English clearly. Normally expected to work between 8:00 a.m. and 5:00 p.m. but may be required to work nights and/or weekends. Must adhere to safety rules and regulations.

Physical Requirements: Light or low amount of physical exertion.

This Job Description is not a complete statement of all duties and responsibilities comprising the position.

Gulf Winds is an Equal Opportunity Employer. Drug Free Workplace.