Fraud Specialist

Fraud Specialist

Department: Fraud Services

Role Type: Individual Contributor

Why This Role Matters

The Fraud Specialist helps protect members and the credit union from financial loss by identifying, investigating, and mitigating account and card fraud.

This role strengthens member trust by responding quickly, communicating with empathy, and ensuring fraud prevention efforts align with regulatory requirements and internal standards.

What You’ll Do


* Monitor fraud detection systems and account activity to identify suspicious transactions and reduce potential losses.


* Investigate fraud claims, affidavits, alerts, and member disputes across card, account, digital, and payment channels.


* Resolve fraud-related issues by taking timely action on accounts, restrictions, claims, and member communications.


* Collaborate with internal teams, third-party vendors, card processors, law enforcement, and compliance partners to coordinate fraud mitigation efforts.


* Identify emerging fraud trends and recommend actions that help strengthen prevention, monitoring, and response practices.


* Maintain compliance with applicable Federal, State, NCUA, BSA, CIP, CDD, CTR, SAR, OFAC, and internal requirements.


* Deliver respectful, empathetic service that supports member confidence during sensitive fraud-related situations.

Why You’ll Love This Role


* Make a direct impact by helping protect members’ financial well-being and preserving their trust in the credit union.


* Work in a fast-moving environment where investigative thinking, problem solving, and sound judgment matter every day.


* Partner with teams across the organization, vendors, and external agencies to solve complex fraud challenges.


* Build deep expertise in fraud prevention tools, regulatory requirements, and evolving financial crime trends.


* Serve members with empathy during high-stress situations while helping create safer banking experiences.

Experience:

    Required


* A minimum of 3 years of customer service experience


* A minimum of 2 years of financial services industry experience with preferred knowledge of account, debit card, or credit card servicing

    Preferred 


* Fraud mitigation experience and training

Skills & Knowledge:

    Required


* Strong verbal and written communication skills


* Highly analytical and results-driven


* Strong organizational skills


* Working knowledge of Regulation E and Regulation Z error resolution requirements


* Ability to prioritize and complete multiple tasks in a high production environment


* Ability to maintain professionalism under fast-paced conditions


* Computer and Technical aptitude in various systems, specifically Microsoft (Access, Word, Excel, Outlook).


* Preferred experience with Symitar, Synapsys, Client Central, Lumin, Tranzact, Pindrop, and Jack Henry and Associates applications


* Service-oriented


* Se...