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Fraud Investigator
Fraud InvestigatorNBT Bank • Norwich, NY, US
Fraud Investigator

Fraud Investigator

NBT Bank • Norwich, NY, US
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Fraud Investigator

Responsible for the entire process related to moderately complex external fraud cases in the area of check fraud, identity theft, online fraud, elder fraud, and cyber fraud. With a solid understanding of various regulations, products, and operations, able to effectively research and analyze activity, conduct interviews, collaborate with law enforcement, develop solutions, update systems, and complete SARs. The role operates in a fast-paced, high-volume environment to support and assist the Fraud Risk Manager along with providing guidance to the Fraud Investigators.

Education and Experience :

  • Minimum of 1 year experience investigating various types of financial fraud required
  • Bachelor's Degree in Economic / Financial Crime or Criminal Justice or equivalent work experience preferred

Skills and Abilities :

  • Team player with strong organizational, communication, analytical, and PC skills (especially Microsoft Excel).
  • Ability to research / analyze data and recognize / evaluate patterns of customer activity.
  • Strong investigative skills with solid understanding of type of fraud that can occur in a banking environment, but not limited to deposit fraud, internal fraud, card fraud, ACH & wire fraud, kiting, and money laundering.
  • Ability to professionally present information and respond to law enforcement, prosecutors, and officers of the court.
  • Ability to multi-task; working multiple inquiries / investigations simultaneously.
  • Knowledge of government / regulatory statutes as they relate to financial services and fraud.
  • Ability to communicate professionally with customers and counsel victims.

    • Tasks Performed :

  • 60% Researches and analyzes high risk transactions across all payment channels with a sense of urgency in a fast-paced environment to identify possible cases of fraud. Completes case investigations from start to finish including the filing of SARs when appropriate.
  • 10% Conducts and develops risk / fraud / security related training and education and provides updates to the organization regarding current fraud trends / scams.
  • 10% Maintains and updates case management system for tracking of fraud cases and relevant information. Provides timely, accurate and formulated intelligence in support of fraud preventative assessments and decision making to minimize losses, protect our customers and safeguard the integrity of our products.
  • 10% Proactively reviews existing internal fraud monitoring reports to identify and mitigate fraud events such as counterfeit checks, mobile deposits, kiting, debit card fraud, elder fraud, etc. Develops new ways to review fraud and create efficiencies. Identifies and analyzes fraud trends and make recommendations to management to mitigate possible fraud loss.
  • 5% Provides phone support to branches, call center and members on fraud related matters. Contacts and effectively communicates with customers, banks, and Law Enforcement via multiple channels phone, email, etc. Assist with more complex assignments as requested.
  • 5% Performs other duties as assigned.

    • Physical Requirements :

  • Communicate effectively with internal and / or external customers
  • Stationary 75% of time or greater
  • Move Objects to Maximum 10 lbs

    • Why Work at NBT

    At NBT we empower people to grow, innovate, and thrive through meaningful work, a supportive culture, and opportunities to make a real impact in your community because your success drives our success.

    Wellbeing

    At NBT, we value and support your wellbeing by offering generous time-off policies, wellness initiatives, and flexible work arrangements, so you can thrive both personally and professionally.

    Community Involvement

    NBT believes community involvement fosters our success and the success of those around us. Through volunteer service and charitable partnerships, we empower our employees to make a positive impact beyond the workplace.

    Culture

    NBT believes in creating a workplace where every voice matters and every team member feels empowered to contribute. With supportive leadership, we foster an environment where employees are connected, inspired, and valued.

    Career Development

    Whether you're just starting your career or serve in a senior leadership role, your growth and development are our priority. NBT provides a wide variety of development programs and tools for you to reach your full potential.

    Total Rewards

    NBT recognizes and rewards your contributions with competitive compensation, comprehensive benefits, and performance-based incentives ensuring you feel valued every step of the way.

    Business Stability

    NBT has built a reputation as a stable financial institution by growing our people and our business, evolving our processes and managing risk. We've weathered the market's ups and downs for over 165 years, all while charting a well-defined growth plan.

    Benefits for Full-Time Employees :

    Generous Paid Time Off : At least 22 days annually, prorated in the year of hire.

    Parental Leave : Six weeks of paid leave at 100% of your salary.

    Comprehensive Medical Coverage : Includes employer contributions to HSA for High Deductible Health Plan participants.

    Dental and Vision Coverage : Ensuring your overall health and well-being.

    Flexible Spending Accounts : For healthcare and dependent care expenses.

    Employer-Paid Disability Coverage : Both short-term and long-term, with an option to purchase additional long-term coverage.

    Life Insurance : Employer-paid basic life insurance, with an option to purchase supplemental coverage.

    Voluntary Benefits : Including hospital, accident, and critical illness coverage.

    Retirement Plans : Benefit from a 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan to help secure your future.

    Adoption Assistance : Supporting your growing family.

    Tuition Reimbursement : Invest in your education and career growth.

    Employee Assistance Program (EAP) : Access to support and resources.

    Financial and Banking Services : Various benefits and financial planning assistance.

    Benefits for Part-Time Employees Working 20+ Hours / Week :

    Medical Coverage : Includes employer contributions to HSA for High Deductible Health Plan participants.

    Generous Parental Leave : Six weeks of paid leave at 100% of your salary.

    Benefits for All Part-Time Employees :

    Retirement Plans : Benefit from a 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan for employees who work at least 1,000 hours in a calendar year, all designed to help secure your future.

    Paid Sick and Safe Leave : For your health and safety.

    Employee Assistance Program (EAP) : Access to support and resources.

    Financial and Banking Services : Various benefits and financial planning assistance.

    Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or assume sponsorship of an employment Visa at this time.

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    Investigator • Norwich, NY, US