Senior Fraud Investigator

Why You’ll Love Working at Quorum At Quorum Federal Credit Union, we are a cutting-edge credit union that operates as a technology company, delivering innovative financial solutions to our members. As a remote organization, we thrive on collaboration and recognize outstanding performance. We are the ideal workplace for self-motivated individuals who are committed to organizational success and eager to join a dynamic team of professionals. We stand out as a best-in-class employer, offering a unique and supportive work environment that fosters personal and professional growth. Our culture is built on valuing teamwork, recognizing achievements, and providing the tools and resources needed to excel. If you are looking for a place where you can make a meaningful impact, enjoy a flexible and fulfilling work experience, and be part of a forward-thinking team, Quorum Federal Credit Union is the perfect fit for you. How You’ll Make an Impact The Senior Fraud Investigator protects members and the credit union from financial loss by preventing, detecting, investigating, and resolving fraud across all channels (cards, ACH, checks, P2P, online/mobile, lending, and real‑time payments). The role triages alerts, conducts case investigations, communicates directly with members regarding suspected fraud, and partners with internal teams and law enforcement when needed. The Senior Fraud Investigator identifies patterns and trends, recommends rule and control enhancements, and assists with testing and optimizing fraud systems to strengthen loss prevention and member experience. This position also exercises sound, risk‑based decision‑making—often in time‑sensitive situations—to determine appropriate actions that may directly impact member experience, financial exposure, and operational risk. What You’ll Be Doing

• Perform alert triage, conduct investigations, and make informed transaction decisions that may directly impact member experience, financial exposure, and organizational risk.
• Conduct thorough investigations into suspected fraud across multiple channels—such as ATO, identity theft, ACH, cards, P2P, and lending—leveraging BI dashboards, data extracts, and other data analysis tools to accurately identify issues and support timely resolution.
• Interpret and analyze fraud‑related data in partnership with the Fraud Data Analyst to identify emerging trends and attack vectors, refine or optimize rule models, and strengthen risk‑based decisioning.
• Serve as a decision‑maker on complex or time‑sensitive fraud cases, making recommendations or determinations that may directly impact financial exposure, member outcomes, and regulatory risk
• Communicate clearly and empathetically with members impacted by fraud, guiding them through next steps and ensuring a positive and supportive experience.
• Support regulatory compliance by performing suspicious activity reviews, documenting findings, and assisting with reporting requirements while maintaining audit‑ready records.
• Partner with internal teams and external entities, including vendors and law enforcement, to coordinate fraud investigations and ensure effective resolution.
• Maintain and enhance fraud procedures; support system testing, rule tuning, and other improvements that increase detection accuracy and operational efficiency.
• Take on additional responsibilities as necessary to support fraud‑prevention initiatives and overall departmental success.

What You Bring to the Team

• Bachelor’s degree required.
• 5+ years of experience in fraud operations, investigations, risk management, or related financial services roles (credit union, bank, or fintech).
• Experience with SQL and Power BI is a plus, including the ability to run basic queries, interpret dashboards, and use data insights to identify trends, analyze attack patterns, and enhance investigative findings.
• Strong working knowledge of fraud typologies, including ATO, identity theft, check, ACH, P2P, card, loan/HELOC, and RTP fraud.
• Demonstrated expertise in alert triage, case investigation, and risk‑based transaction decisioning, with the ability to assess financial exposure and member impact.
• Exceptional written and verbal communication skills, with the ability to articulate complex findings clearly and empathetically.
• Proficiency in Excel (filters, pivot tables, lookups) and comfort working with dashboards, data extracts, and investigative reports.
• Advanced analytical and problem‑solving skills, with the ability to work independently, prioritize effectively in a fast‑moving risk environment, and collaborate across departments.
• Experience with Symitar (Jack Henry) preferred.
• Experience using fraud detection and AML platforms such as Unit21, BioCatch, or Verafin preferred.

Where You Can Work Tools & Work Environment

• Stable internet connection with speeds high enough for video conferencing and screen sharing
• Smartphone with current iOS/Android OS
• Prolonged periods sitting at a workstatio

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