Fraud Investigator

Zions Bancorporation is one of the nation’s premier financial services companies operating as a collection of great banks under local brands and management teams in high-growth western markets. Zions is regularly recognized by American Banker as one of the “Best Banks to Work For” and as having a top banking team in its list of “The Most Powerful Women in Banking.” Our customers consistently vote us as the best bank in our local markets. We value our employees, and we are committed to search out, recognize and create fulfilling opportunities for outstanding people within our organization, rewarding them for their contributions to our success. We recognize that banking is a “local” business, and that to be successful, we must have very strong ties to the communities we serve and strong relationships with our customers.

With benefits starting on day one, bank holidays, profit sharing and company-matched 401(k) contributions, Zions is dedicated to being an employer of choice in our communities. At Zions, the possibilities are endless. You bring the talent; we bring the opportunity.

We are currently seeking a Fraud Investigator to join our team.  This position will be in office and is located at our Zions Bancorporation Technology Center in Midvale, UT or at our offices in Phoenix, AZ.  

What you’ll do\:

·Conducts financial crimes investigations of suspected or known fraudulent activity.

·Review and analyze transaction activity to identify fraudulent, suspicious, or unusual patterns and trends that support the investigative process and case resolution.

·Write clear and concise reports in an accurate and timely manner. 

·Communicates with branch, department managers, BSA Officers, and frontline groups as necessary, in researching and investigating cases.

·Makes recommendations for closing account relationships to the Investigations management. Escalates identified risks to team leadership.

·Uses various bank systems to conduct research of customer transaction activity including the case management system.

·Keeps current on fraud and BSA/AML investigative operations and the application of the BSA and USA PATRIOT Act requirements along with training requirements for the investigative role.

·Perform other duties as assigned.

Qualifications\:

·Bachelor’s degree and minimum of 1 year of related experience. If no Bachelor’s degree, a minimum of 2 years of related experience needed.

·Minimum 1 Year of experience in financial services or financial crimes

·Basic working knowledge of Bank Secrecy Act, USA Patriot Act, and other applicable laws and regulations.

·Strong understanding of complex financial transactions and business relationships and relationships between business entities.

·Strong understanding of fraud, AML and terrorist financing red flags related to the identification of suspicious activity.

·Strong analytical experience.

·Ability to meet deadlines, work independently and adapt to changing priorities.

·Strong oral and written communication skills, both verbal and written.

·Ability to manage deadlines, be organized, detail-oriented and high degree of accuracy.

·Ability to be an independent thinker and to handle confidential, delicate and/or sensitive information or situations.

·Strong PC skills desired with an emphasis in MS Excel and Word.

What Sets you apart\:

·Relevant Professional Certification\: Association of Certified Anti-Money Laundering Specialists (ACAMS), Associate of Certified Fraud Examiners (ACFE) or Association of Certified Financial Crime Specialists (ACFCS) is a plus.

·2+ years of fraud investigation experience involving multiple fraud typologies, including Account Takeover (ATO), Identity Theft, scams, and related fraud schemes, with demonstrated proficiency using fraud detection platforms and analytical tools to identify, investigate, and mitigate fraudulent activity.

·2+ years of experience conducting fraud investigations across a variety of banking products and services, including checking and savings accounts, credit cards, loans, and other consumer banking products, with the ability to identify, investigate, and resolve complex fraud-related concerns.

·Experience preparing, reviewing, and filing Suspicious Activity Reports (SARs), with a strong understanding of regulatory requirements and effective narrative writing.

·Ability to analyze large volumes of data to identify patterns, trends, anomalies, and key risk indicators, enabling the detection of potential fraudulent activity and supporting effective investigative decision-making.

Benefits\: 

·Medical, Dental and Vision Insurance - START DAY ONE! 

·Life and Disability Insurance, Paid Parental Leave and Adoption Assistance

·Health Savings (HSA), Flexible Spending (FSA) and dependent care accounts

·Paid Training, Paid Time Off (PTO) and 11 Paid Federal Holidays, and any applicable state holidays

·401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience

·Mental health benefits including coaching and therapy sessions

·Tuition Reimbursement for qualifying employees enrolled in an accredited degree program related to the needs of the business, maximum of $5,250 per calendar year, employees are eligible for the program upon hire

·Employee Ambassador preferred banking products

Zions Bancorporation is one of the nation’s premier financial services companies operating as a collection of great banks under local brands and management teams in high-growth western markets. Zions is regularly recognized by American Banker as one of the “Best Banks to Work For” and as having a top banking team in its list of “The Most Powerful Women in Banking.” Our customers consistently vote us as the best bank in our local markets. We value our employees, and we are committed to search out, recognize and create fulfilling opportunities for outstanding people within our organization, rewarding them for their contributions to our success. We recognize that banking is a “local” business, and that to be successful, we must have very strong ties to the communities we serve and strong relationships with our customers.

With benefits starting on day one, bank holidays, profit sharing and company-matched 401(k) contributions, Zions is dedicated to being an employer of choice in our communities. At Zions, the possibilities are endless. You bring the talent; we bring the opportunity.

We are currently seeking a Fraud Investigator to join our team.  This position will be in office and is located at our Zions Bancorporation Technology Center in Midvale, UT or at our offices in Phoenix, AZ.  

What you’ll do\:

·Conducts financial crimes investigations of suspected or known fraudulent activity.

·Review and analyze transaction activity to identify fraudulent, suspicious, or unusual patterns and trends that support the investigative process and case resolution.

·Write clear and concise reports in an accurate and timely manner. 

·Communicates with branch, department managers, BSA Officers, and frontline groups as necessary, in researching and investigating cases.

·Makes recommendations for closing account relationships to the Investigations management. Escalates identified risks to team leadership.

·Uses various bank systems to conduct research of customer transaction activity including the case management system.

·Keeps current on fraud and BSA/AML investigative operations and the application of the BSA and USA PATRIOT Act requirements along with training requirements for the investigative role.

·Perform other duties as assigned.

Qualifications\:

·Bachelor’s degree and minimum of 1 year of related experience. If no Bachelor’s degree, a minimum of 2 years of related experience needed.

·Minimum 1 Year of experience in financial services or financial crimes

·Basic working knowledge of Bank Secrecy Act, USA Patriot Act, and other applicable laws and regulations.

·Strong understanding of complex financial transactions and business relationships and relationships between business entities.

·Strong understanding of fraud, AML and terrorist financing red flags related to the identification of suspicious activity.

·Strong analytical experience.

·Ability to meet deadlines, work independently and adapt to changing priorities.

·Strong oral and written communication skills, both verbal and written.

·Ability to manage deadlines, be organized, detail-oriented and high degree of accuracy.

·Ability to be an independent thinker and to handle confidential, delicate and/or sensitive information or situations.

·Strong PC skills desired with an emphasis in MS Excel and Word.

What Sets you apart\:

·Relevant Professional Certification\: Association of Certified Anti-Money Laundering Specialists (ACAMS), Associate of Certified Fraud Examiners (ACFE) or Association of Certified Financial Crime Specialists (ACFCS) is a plus.

·2+ years of fraud investigation experience involving multiple fraud typologies, including Account Takeover (ATO), Identity Theft, scams, and related fraud schemes, with demonstrated proficiency using fraud detection platforms and analytical tools to identify, investigate, and mitigate fraudulent activity.

·2+ years of experience conducting fraud investigations across a variety of banking products and services, including checking and savings accounts, credit cards, loans, and other consumer banking products, with the ability to identify, investigate, and resolve complex fraud-related concerns.

·Experience preparing, reviewing, and filing Suspicious Activity Reports (SARs), with a strong understanding of regulatory requirements and effective narrative writing.

·Ability to analyze large volumes of data to identify patterns, trends, anomalies, and key risk indicators, enabling the detection of potential fraudulent activity and supporting effective investigative decision-making.

Benefits\: 

·Medical, Dental and Vision Insurance - START DAY ONE! 

·Life and Disability Insurance, Paid Parental Leave and Adoption Assistance

·Health Savings (HSA), Flexible Spending (FSA) and dependent care accounts

·Paid Training, Paid Time Off (PTO) and 11 Paid Federal Holidays, and any applicable state holidays

·401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience

·Mental health benefits including coaching and therapy sessions

·Tuition Reimbursement for qualifying employees enrolled in an accredited degree program related to the needs of the business, maximum of $5,250 per calendar year, employees are eligible for the program upon hire

·Employee Ambassador preferred banking products