Reviews & researches suspected fraud notices for all areas received through internal and external sources to determine fraud.
Investigates fraud activity, reports, and documents as required per regulatory guidance for each fraud type.
Identify fraud patterns and communicates trends to management.
File/Research and Understand ‘disputes/returns’ for POS, ATM, Wire, ACH, Online transactions, Checks, etc.
Report ‘real time’ fraud-related activity; ensuring that the affected UCBI area/branch is notified.
Ensure the investigation of all accounts assigned and make sure all efforts are recorded in Financial Intelligence platform (Verafin).
Interacts with customers either victimized or suspected of fraud and performs appropriate actions required based on the case type while providing a positive customer experience.
Employ letter, phone, and e-mail contact with customers/branches throughout the investigative process.
Work with Legal team and Corporate Security on case building and/or pulling information for fraud cases for law enforcement or court requests.
Elevate to department management all issues requiring approval outside of the authority of the Financial Investigator’s position and all issues that may adversely affect United Community Bank.

A minimum of 3 years’ work experience in Financial Services Industry and/or understanding of fraud detection/investigations
Hands-on experience with fraud claims (Check, POS, ATM, Wire, Identity, Mobile, etc.)
In-depth knowledge of BSA/AML/OFAC laws and regulations
Strong time management and organizational skills
Comprehensive understanding of bank policies and procedures related to Fraud Prevention
Proficiency with Core systems and other internal banking systems (Director, Wires, ACH, Online Banking, Debit Cards, Research/Returns, File Maintenance).
Advanced skills in Microsoft Excel, Word, and email.
Ability to multi-task with excellent analytical and critical thinking skills.
Strong verbal and written communication skills.
Problem-solving and decision-making abilities, with the capacity to escalate issues when necessary.

Financial Investigator I

Key skills