Fraud Investigator

HTLF is an equal opportunity employer committed to creating a diverse workforce. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors.

HTLF is a diversified financial services company headquartered in Denver, Colorado. We deliver community banking at scale by powering our geographically diverse group of banks with technology, efficiency and strength - giving local decision-making the opportunity and insights to focus on customers and growth.

Relationships have been the core of our company since its founding in 1981. We're deeply invested in the communities we serve, and that's why our clients choose us as their banking partners.

What's different about a career at HTLF? We believe our employees and their diverse backgrounds, perspectives and skills are our greatest assets.

We wouldn't be HTLF without the people with whom we surround ourselves and empower to enrich the lives of our customers, employees and communities.

We're dedicated to making HTLF the best place to work - where your opinions are valued, your feedback and ideas are heard, and your opportunities for personal growth and professional development are endless.

As a Fraud Investigator with HTLF Bank, you will leverage your experience in financial crimes, fraud and customer interaction to independently conduct investigations to identify, assess, decision and report on exposures and losses to the financial institution, shareholders and customers by applying fact-finding methods to investigate potentially fraudulent activity.

Fraud Investigators are tasked with achieving the optimal balance between internal / external customer experience and minimizing risk of losses related to fraudulent activity.

One of the core responsibilities of the Fraud Investigator is the recovery of funds that have left the bank through outreach to industry contacts, locating contacts that may not already exist and creative methods for locating counterparts at various financial institutions.

PRIMARY & ESSENTIAL RESPONSIBILITIES :

• Investigate fraud claims submitted by staff and escalated alerts by Fraud Analysts.
• Review circumstances of fraud claims for applicable laws and regulations.
• Draft and file fraud SARs once a quality control review has been completed.
• Efficiently conduct and track investigations to ensure reporting timeframes are accomplished.
• Report fraud trends and identify potential control gaps to the Fraud Operations Manager.
• Interact with both frontline staff, line of business staff, and customers to verify suspected fraudulent activity.
• Provide frontline staff and departments guidance on fraud related issues.
• Facilitate the recovery of funds on behalf of the bank and / or customers.
• Maintain a high level of confidentiality when compiling investigative information and escalating issues.
• Complete annual e-learning plan, attend external fraud training, and maintain knowledge of current and emerging fraud trends within the financial industry.
• Maintain compliance with applicable rules and regulations related to money laundering and other company policies and procedures.
• Assist the Fraud Operations Manager with ad hoc projects or reviews as necessary.

REQUIRED SKILLS & EXPERIENCE :

• Bachelor's Degree in related field - Business, Accounting, or Criminal Justice
• 3-5 years of banking experience
• 3-5 years of experience in BSA / AML, fraud investigations or related activity
• Experience with SARs and fraud investigations, preferred
• Knowledge of Bank Secrecy Act compliance, bank regulations, UCC laws
• Knowledge of various fraud and money laundering typologies
• Experience with AML / Fraud systems - Verafin, preferred
• Ability to maintain the highest level of confidentiality
• Ability to work remotely with supervision high level of independence.
• Strong organizational, analytical, and critical thinking skills
• Ability to meet deadlines and prioritize deliverables
• Strong customer service skills
• Proficient in using Microsoft Office Suite of products

OCCUPATIONAL CERTIFICATION :

Certified Fraud Examiner (CFE), Certified AML & Fraud Professional (CAFP) or Certified Financial Crimes Investigator (CFCI) preferred

Scheduled Weekly Hours :

Time Type : Full time

Full time

The targeted salary for this role is :

$49,907.00 - $64,879.00

• HTLF offers competitive and varied benefits to eligible employees, such as Paid Time Off; a 401(k) matching program; annual incentive pay;
• paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage;

health savings, flexible spending, and dependent care accounts; an employee assistance program; tuition reimbursement; and various associate banking benefits.

Benefit offerings and eligibility requirements vary. To learn more, please click here visit our Benefits page.

The annualized base salary range reflects figures based on the primary location. Pay ranges may vary based on work location.

As a part of the total compensation package, this role may be eligible for a Bonus Plan or a role-specific commission / bonus.

Recruiters can share more detail during the hiring process. Each candidate's compensation offer will be based on multiple factors including, but not limited to, geography, experience, skills, job duties, and business need, among other things.

Additional Information :

Job postings typically remain open for approximately 20 days of the posting date listed above, however the job posting may be closed earlier should it be determined the position is no longer required due to business need.

Job postings in areas with a high volume of applicants remain open for approximately 5 days of the posting date listed.