Senior Bank Fraud Investigator

General information

Career area Deposits Operations Work Location(s) 2911 Lake Vista Drive, TX, 601 S. Tryon Street, NC Remote? No Ref # 22181 Posted Date 04-22-26 Working time Full time

Ally and Your Career

Ally Financial only succeeds when its people do - and that’s more than some cliché people put on job postings. We live this stuff! We see our people as, well, people - with interests, families, friends, dreams, and causes that are all important to them. Our focus is on the health and safety of our teammates as well as work-life balance and diversity and inclusion. From generous benefits to a variety of employee resource groups, we strive to build paths that encourage employees to stretch themselves professionally. We want to help you grow, develop, and learn new things. You’re constantly evolving, so shouldn’t your opportunities be, too?
Work Schedule: Ally designates roles as (1) fully on-site, (2) hybrid, or (3) fully remote. Hybrid roles are generally expected to be in the office a certain number of days per week as indicated by your manager. Your hiring manager will discuss this role's specific work requirements with you during the hiring process. All work requirements are subject to change at any time based on leader discretion and/or business need.

The Opportunity

In office role with hybrid schedule - Ally work locations Lewisville, TX or Charlotte, NC

At this time, Ally will not sponsor a new applicant for employment authorization for this position.

The primary role of the Senior Bank Fraud Investigator is to investigate and deter fraud against Ally Bank. This role requires the ability to conduct in-depth research of complex situations, use subject matter disciplines to solve difficult problems, execute various risk mitigation efforts and provide clear documentation of all findings. This position requires the ideal candidate to be a high-level problem solver. You will work independently on various bank fraud projects and present findings and solutions to loss prevention leadership.

The Work Itself

• Conduct thorough investigations of fraud cases (including detailed link analysis) utilizing various tools and reports to identify potentially fraudulent activities on new/existing accounts.
• Initiate investigations; responsible for handling all aspects of the investigation, including detailed analysis and research to resolve issues.
• Prepare drafts Regulatory Reports for potential submission to FinCen (SAR referrals).
• Collaborate with internal/external fraud investigators, legal teams, Adult Protective Services (APS) and Law Enforcement, acting as a liaison, preparing case referrals and follow up investigations.
• Conduct interviews with customers, representatives from other financial institutions, and other pertinent individuals to investigate and gather information related to potentially fraudulent activities.
• Analyze data to detect patterns and trends in fraudulent activities.
• Ensure compliance with Federal and State laws and regulations related to fraud investigations.
• Responsible for reviewing large data sets to discover transaction patterns and filter for targeted information using traditional as well as predictive/advanced analytic methodologies.
• Excellent communication and collaboration abilities.
• Ensure enterprise-wide compliance with established standards, regulatory policies and procedures for the bank set by FSI as well as Compliance and Legal departments
• Provide excellent customer service to those customers impacted by potential fraud, ensuring we help as appropriate.
• Maintain up-to-date knowledge, best practices, and awareness of investigative fraud techniques, fraud regulations (FinCen, UCC, etc), and investigation handling policy and procedures.

The Skills You Bring

Minimum Qualifications

• 3+ years of experience
• High school Diploma or GED equivalent

Preferred Qualifications

• Bachelor's Degree preferred in Criminal justice or related field.
• 3+ years of fraud and SAR experience in financial services. 
• Work-related experience should consist of in-depth background in bank fraud investigations of all types of forgery claims and schemes (i.e., kite schemes, counterfeit checks, forgeries, wires, ACH, etc.), banking operations, government regulations, basic knowledge of UCC codes and industry defenses to adverse claims.
• Proven knowledge of regulatory Suspicious Activity Report experience – must have skills related to identifying, analyzing, and reporting suspicious activities.
• Proficient in conducting interviews with various stakeholders strongly preferred.
• Knowledge in Elder Abuse and/or Elder Financial Exploitation investigations are strongly preferred.
• Proficiency in data analysis tools and software.
• Experience investigating ACH, Wires, Account Takeover, etc.
• CFE, CAFP, and CFCI Certifications preferred.
• Detail-oriented with strong organizational skills.
• Ability to make appropriate judgments and decisions with limited guidance.
• Ability to work independently and as part of a team.
• High level of critical thinking, analytical, problem-solving skills 
• High ethical standards and integrity.

How We'll Have Your Back

Ally's compensation program offers market-competitive base pay and pay-for-performance incentives (bonuses) based on achieving personal and company goals. Our Total Rewards program includes industry-leading compensation and benefits plus additional incentives that are designed to meet your needs and those of your family so you can get the most out of your career and your life, including:

• Time Away: Program starts at 20 paid time off days in addition to 11 paid holidays and 8 hours of volunteer time off yearly (time off days are prorated based on start date and program varies based on full or part-time status and management level).
• Planning for the Future: plan for the near and long term with an industry-leading 401K retirement savings plan with matching and company contributions, student loan pay downs and 529 educational save up assistance programs, tuition reimbursement, employee stock purchase plan, and financial learning center and financial coach access.
• Supporting your Health & Well-being: flexible health and insurance options including medical, dental and vision, employee, spouse and child life insurance, short- and long-term disability, pre-tax Health Savings Account with employer contributions, Healthcare FSA, critical illness, accident & hospital indemnity insurance, and a total well-being program that helps you and your family stay on track physically, socially, emotionally, and financially.
• Building a Family: adoption, surrogacy and fertility assistance as well as paid parental and caregiver leave, Dependent Day Care FSA back-up child and adult/elder care days and childcare discounts.
• Work-Life Integration: other benefits including Mentally Fit Employee Assistance Program, subsidized and discounted Weight Watchers® program and other employee discount programs.
• Other compensations: depending on the role for which you are considered, you may be eligible for travel allowances, relocation assistance, a signing bonus and/or equity.
• To view more detailed information about Ally’s Total Rewards, please visit this link: https://www.ally.com/content/dam/pdf/corporate/ally-total-rewards-snapshot.pdf

 

Who We Are:

 

Ally Financial is a customer-centric, leading digital financial services company with passionate customer service and innovative financial solutions. We are relentlessly focused on "Doing it Right" and being a trusted financial-services provider to our consumer, commercial, and corporate customers. For more information, visit www.ally.com.

 

Ally is an equal opportunity employer committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to age, race, color, sex, religion, national origin, disability, sexual orientation, gender identity or expression, pregnancy status, marital status, military or veteran status, genetic disposition or any other reason protected by law.

 

We are committed to working with and providing reasonable accommodation to applicants with physical or mental disabilities. For accommodation requests, email us at hrpolicy@ally.com. Ally will not discriminate against any qualified individual who is capable of performing the essential functions of the job with or without reasonable accommodation.

Base Pay Range: $70000 - $120000 USDAn individual's position in the range is determined by the specific role, the scope and responsibilities of the role, work experience, education, certification(s), training, and additional qualifications. We review internal pay, the competitive market, and business environment prior to extending an offer.  Incentive Compensation: This position is eligible to participate in our annual incentive plan.