Financial Crimes Specialist
Metro Credit Union is seeking a Financial Crimes Specialist to join our growing Financial Crimes team. This role is at the frontline of protecting our members from fraud and financial crime, directly preventing losses and safeguarding member accounts.
Responsibilities
- Analyze fraud alerts and ad-hoc reports to proactively identify fraudulent transactions; investigate contact events and internal referrals per established procedures to identify and address fraudulent behaviors
- Interview members to obtain facts and assist with fraud identification; educate and coach members on identity theft prevention and response
- Assist with Financial Crimes phone queue coverage to maintain service levels; handle incoming calls from members and internal departments regarding suspected fraud; escalate complex cases as needed to senior team members or management
- Freeze member accounts and channel access to prevent or reduce loss exposure; perform monetary transactions to reduce loss exposure
- Prepare narratives to support FinCEN Suspicious Activity Reports (SAR) filing requirements
- Act as liaison to other financial institutions and law enforcement agencies, providing information or documentation to assist in criminal investigations; refer accounts with realized losses to Collections and Recovery for further action
- Analyze losses to identify fraud trends and make recommendations to management to adjust parameters of fraud detection systems
- Represent the Credit Union on committees and attend meetings as required
- Champion AI optimization and process improvement by actively utilizing the organization's Microsoft Copilot and other AI-powered tools to enhance productivity, streamline workflows, and drive operational efficiencies across the Financial Crimes team
- Additional duties as directed by management
Skills
- High school diploma or equivalent strongly preferred
- 1–3 years of related experience in financial services, fraud and security, or financial crimes strongly preferred
- Strong verbal and written communication skills, with the ability to clearly document and explain fraud-related activity
- Strong attention to detail, with the ability to identify patterns and detect suspicious transactions
- Strong interpersonal skills, with the ability to support and guide members through sensitive fraud situations
- Proficiency with computer systems and ability to navigate fraud detection tools and platforms
Benefits
- Health, Dental, and Vision coverage for employees working minimum 20 hours per week.
- Metro provides assistance toward premiums and copays and offers 100% coverage on prescription copays through the Prescription Drug Program.
- Three weeks of paid vacation per year and 11 paid holidays, supporting work-life balance from day one.
- Annual bonuses for all staff, including both annual performance bonus and annual vesting retention bonus.
- 401(k) retirement matching plan and Safe Harbor Plan.
- Metro contributes 3% regardless of employee contribution, ensuring your financial future is secured.
- Wellness incentives, Employee Assistance Program, Flexible Spending Account, and range of voluntary benefits including LTD, STD, and AD&D.
- Access to no-interest loans and $150 per quarter reimbursement for wellness and lifestyle expenses.
- Strong growth opportunities with individualized development plans.
- Position-related tuition assistance available after one year of eligibility.
- Superb in-house training programs to build your skills.
- Discounts on pet insurance.
- Additional benefits include wellness reimbursements, tuition assistance, and professional development opportunities.
- Hybrid Policy Eligibility
- * Minimum days in office per week: 3 (Tuesday and Wednesday required).
- * Minimum days in office for onboarding: 90 days.
- * 4x10 eligible: Yes.
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