Financial Investigator

"Financial Investigator I

United Community is looking for a meticulous and detail-oriented Financial Investigator I - Disputes to join our team! As a Financial Investigator I, you’ll dive into the world of fraud detection, analyzing suspicious activities across various customer accounts (POS, ATM, Wire, ACH, Online Banking, Check, Mobile, etc.). Your mission is to identify potential fraud cases, complete necessary reports, and ensure a positive customer experience for those affected.

You’ll document and evaluate your findings to support fraud trending and reporting, always adhering to best practices.

• Fraud Detection & Analysis:
  • 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).
• Customer Interaction:
  • 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.
• Collaboration & Reporting:
  • 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 elevate issues when necessary.

• Must be able to pass a criminal background check.
• This is a full‑time position with flexibility for evenings and weekends as needed.

• Non‑Exempt.

We are an Equal Opportunity Employer and do not discriminate against any employee or applicant for employment because of race, color, sex, age, national origin, religion, sexual orientation, gender identity and/or expression, status as a veteran, and basis of disability or any other federal, state, or local protected class.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

USD $34,102.00 - USD $49,382.00 /Yr.

Mid‑Senior level

Full‑time

Finance and Sales

Banking