Financial Crimes Investigator

We are excited to invite passionate individuals to join our team, where you will embark on a rewarding career journey filled with growth, support, and the opportunity to make a meaningful impact on our members and the community we serve. Our core values—authenticity, boldness, collaboration, dignity, and empathy—guide everything we do and foster an inclusive culture that prioritizes teamwork and innovation.

We currently prioritize candidates living within the states of Oregon and Washington to maintain a strong connection with our members and local communities and better understand their unique needs.

Applicants are encouraged to apply by July 16th, 2025. Job postings are subject to close early or extend longer than the anticipated closing date. We recommend applying as soon as possible.

Location & Hours:

• Remote

Pay Range:

• The target pay range is $25.06-$31.33/hr. The full pay range is $25.06-$37.59/hr.
• We provide an additional $2.00 per hour bilingual differential for those employees who can support our members' financial needs effectively in a second language; subject to verification of strong grasp of financial terms utilizing language skillset.

Compensation decisions are determined using factors such as relevant job-related skills, experience, and education or training. Should an offer of employment be made, we will consider individual qualifications. In addition to your salary, compensation incentives are available for the hired applicant. Incentives are performance based and targets vary by role.

Job Overview:

Responsible for minimizing the Credit Union’s exposure to loss from complex forms of financial fraudulent activity which may require additional reporting requirements. Performs a variety of duties associated with fraud and/or financial crime investigations and ensures the successful and professional investigation and resolution of Credit Union fraud.

What you’ll do: 

• Responds to and investigates complex external fraudulent activity including Debit/Credit, ATM, checks, wires, Remote Deposit Capture, external transfers, investigations, and branch transactions. May recommend fraud prevention rule changes. Monitors fraud detection systems.
• Participates in investigations and resolutions of financial crimes, including elder abuse cases, deposit fraud, online fraud, scams, ID theft, and loan fraud, following the guidelines of the Credit Union BSA/AML policy.
• Documents activities investigated and communicated on all financial crime cases. Ensures accounts are flagged and holds are placed to restrict further transactions on accounts to minimize losses. Verifies the completion of related documents relative to fraudulent activity such as bond claims and police reports.
• Partners with local law enforcement, Adult Protective Services, and related agencies to report fraudulent activities/accounts or financial exploitations and testifies in court proceedings as appropriate.
• Communicates with other lines of business, law enforcement, and victims of crime to determine the extent and nature of criminal activity. 
• Consults and advises managers and employees in identifying potential fraud, consulting/interviewing members and taking appropriate action in fraud situations.
• Reviews alerts in Fraud/BSA software system (Verafin) and immediately refers potentially suspicious alerts to BSA Specialist for further investigation and Suspicious Activity Report (SAR) determination. Acts as backup to BSA Specialist in assuring timely and accurate SAR filing. May prepare Suspicious Activity Reports (SAR) narrative for final review.
• Provides assistance, support, and responds to questions and information needed by credit union staff regarding fraudulent, suspicious activity reporting, and currency transaction reporting.
• Assists in development and facilitation of fraud prevention and awareness for all staff, as applicable. Assist with, respond to and/or resolve member/branch issues related to fraud.
• Acts as a resource for Fraud Analyst(s) for training needs, specific case direction assistance, overflow, and identifying trends.
• Assists with the training of new staff and acts as a resource for all team members regarding a variety of loss prevention and fraud scenarios.
• Supports management with updates on industry trends related to fraudulent activities, losses, and risk exposure. Recommend policy and procedure changes to reduce and prevent losses effectively.
• Maintains strict confidentiality regarding BSA reporting, including keeping SAR information on a need–to-know basis.
• Creates, tracks, and monitors behavior review cases for activity determined to be abnormal and ongoing. Aids in creation and monitoring of new business account risk profiles.
• Surveys monthly and quarterly non cash monetary instrument reports. Refers any findings to Senior BSA Specialist for further investigation.
• Reviews and submits all Currency Transaction Reports (CTRs) to FinCEN. Pulls daily system reports and cross references those reports with information obtained from branches, internal reports, and from Verafin software to ensure CTRs are submitted to FinCEN accurately and within the required timeframe.
• Communicates with appropriate personnel to address questionable or missing CTR and/or missing or incorrect Member Identification Program (MIP) information. Monitors and reports on statistics, trends, and patterns regarding CTR reporting deficiencies to Regional Support.
• Reviews CTR information for suspicious activity and refers to the Senior BSA Specialist, Fraud & BSA Manager, or BSA Officer.
• Collaborates with Internal Audit and assists with internal investigations within the Credit Union.
• Seeks recovery opportunities which may or may not include collection or legal recourse in order to recover losses to the credit union. Ensures follow up and administration of restitution claims awarded to the credit union.
• Maintains well-developed working knowledge of the assigned duties and job functions; keeping up to date and requesting additional training and/or development as needed.
• Serves as back-up to the Fraud and Financial Investigations Manager, as needed.
• All other duties as assigned.

Qualifications: 

• A minimum of two (2) years' banking or credit union experience or equivalent professional experience. 

Bonus points if you have:

• A minimum of two (2) years experience in the field of Fraud and Anti-Money Laundering investigations in the financial services industry. 

What you'll bring:

• Knowledge of, or ability to learn, the credit union’s core and ancillary systems to perform the job.
• General knowledge of Fraud and knowledge of industry Fraud trends.
• Knowledge of, or ability to learn federal, state and local laws, statutes, regulations codes and standards related to the area of responsibility.
• Knowledge of principles and processes for providing member services; including member needs assessment, meeting service standards and evaluation of member satisfaction.
• Performing effectively in environments with frequent workload changes and competing demands.
• Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions and approaches to problems with successful outcomes.
• Skill in using tact and diplomacy in performing assignments.
• Ability to research, analyze, and determine a course of action for financial transactions.
• Ability to balance risk and customer experience effectively.
• Interpreting and applying laws, regulations, policies and procedures.
• Keeping current with industry and regulatory changes and trends.
• Performing duties accurately and with attention to detail.
• Handle multiple tasks and meeting deadlines with frequent changes to priority status.
• Using good judgment and make decisions within scope of job.
• Performing job functions independently or with limited supervision and work effectively either on own or as part of a team..

Total Rewards: 

This position is eligible for Full-Time Regular benefits. Employees and their eligible family members have access to a wide array of employee benefits, such as medical, dental, vision and life insurance coverage. Includes an option for Medical, Dental, and Vision insurance to be paid at a 100% by company for the employee only coverage. We also offer Health Care FSA (HCFSA), Health Savings Account (HSA) with employer contributions, and Dependent Care FSA (DCFSA). Employees also have access to Life and AD&D insurance. Employees are able to enroll in our 401k plan. Full-Time Regular employees accrue 8 hours of vacation and 8 hours of sick leave, on a monthly basis. Full-Time Regular hired employees also receive 11 paid holidays throughout the calendar year, 1 floating holiday, 16 hours of self-care time, and 16 hours of volunteer time.

All benefits except 401k start the first of the month following date of hire. Employees become eligible to contribute to 401k on the first of the month following 60 days of employment.

TwinStar Credit Union is an Affirmative Action and Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or protected veteran status and will not be discriminated against on the basis of disability. Equal Employment Opportunity Posters 

If you’d like to view a copy of the company’s affirmative action plan or policy statement, please email Careers@NWCU.com. If you have a disability and you believe you need a reasonable accommodation in order to search for a job opening or to submit an online application, please e-mail Careers@NWCU.com. This email is created exclusively to assist disabled job seekers whose disability prevents them from being able to apply online. Only messages left for this purpose will be returned. Messages left for other purposes, such as following up on an application or technical issues not related to a disability, will not receive a response.

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When you apply to a job on this site, the personal data contained in your application will be collected by TwinStar Credit Union. Your personal data will be processed for the purposes of managing the Credit Union’s recruitment related activities, which include setting up and conducting interviews and tests for applicants, evaluating and assessing the results thereto, and as is otherwise needed in the recruitment and hiring processes. Such processing is legally permissible under state and federal law. Your personal data will be shared with Greenhouse Software, Inc., a cloud services provider located in the United States of America and engaged by the Credit Union to help manage its recruitment and hiring process. Your personal data will be retained by the Credit Union as long as the Credit Union determines it is necessary to evaluate your application for employment and as required under applicable state and federal law. Greenhouse is under contractual obligation to keep such information confidential, and the Credit Union’s privacy practices comply with all applicable state and federal laws.