Sr Fraud Investigator

Is it surprising to hear that a financial institution of 1.5 million members and over $30 billion in managed assets say that success comes from focusing on people, not profits?

Our “people helping people” philosophy has guided us since 1935, driving our deep commitment to serving our members, communities, and each other. When you join our team, you become part of a purpose-driven organization where your work makes a real difference.

While we’re proud of our history, we’re even more excited about our future. With business and technology transformation on the horizon, there’s never been a better time to be part of BECU.

PAY RANGE

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.  Employees have access to disability and AD&D insurance.  We also offer health care and dependent care flexible spending accounts, as well as health savings accounts, to eligible employees.  Employees are able to enroll in our company’s 401k plan and employer-funded retirement plan.  Newly hired employees accrue 6.16 hours of paid time off (PTO) on a per pay period basis based on hours worked (up to a maximum of 160 PTO hours per year) and receive ten paid holidays throughout the calendar year. Additional details regarding BECU Benefits can be found here.

IMPACT YOU’LL MAKE:

At BECU, your role as a Sr. Fraud Investigator will go far beyond just identifying fraud—it’s about protecting people, their financial futures, and our values. You’ll be the front line of defense against sophisticated fraud threats, using your investigative skills to uncover the truth and resolve complex claims involving account takeovers, identity theft, elder abuse, and high-dollar transactions.

Your expertise will empower you to not only solve cases but also influence how we protect our members going forward. You’ll collaborate with peers, lead knowledge-sharing discussions, and serve as a trusted voice in shaping best practices. If you're ready to use your investigative talents to make a real impact on lives and on the integrity of a member-first credit union, this is the place for you.

WHAT YOU’LL DO:

• Lead Complex Investigations: Conduct in-depth fraud investigations using multiple internal systems and direct member interviews to determine claim outcomes with accuracy and care.

• Balance Multiple Priorities: Manage several high-stakes cases at once while staying compliant with all regulatory deadlines and standards.

• File Critical Reports: Prepare and submit Suspicious Activity Reports (SARs) in accordance with required timelines and compliance standards.

• Detect Fraud Patterns: Analyze fraud-related transactions—monetary and non-monetary—to identify suspicious trends and support ongoing investigations.

• Connect the Dots: Review documents, conduct interviews, and evaluate all available evidence to develop clear and actionable conclusions.

• Apply Regulatory Knowledge: Utilize your understanding of the Bank Secrecy Act, USA Patriot Act, and other key regulations to ensure all investigations align with legal and policy standards.

• Spot and Escalate Issues: Identify and elevate trends, vulnerabilities, or unusual losses that signal a need for broader attention or systemic improvement.

• Support Through Communication: Provide timely, thoughtful support to both internal and external partners via phone and email for fraud-related inquiries.

• Collaborate with Law Enforcement: Serve as a liaison to law enforcement, delivering detailed documentation and filing reports to support cases involving credit union losses.

• Mentor and Train: Assist with onboarding and development of team members by sharing your knowledge and helping build a strong, fraud-aware team culture.

• Be a Subject Matter Expert: Provide expert insight to colleagues and leaders, offering guidance that elevates the entire Fraud Operations team.

• Adapt and Contribute: Embrace new challenges and complete additional duties as directed by leadership.

This isn’t just about ticking off tasks on a list. It's about making a significant, positive change in BECU’s journey, where your contributions are valued, and your growth is continually fostered.

WHAT YOU’LL GAIN:

• A Sense of Purpose: You’ll be part of a mission-driven organization that puts people first—where protecting our members is more than just a task, it’s a calling.

• Growth Opportunities: Whether it’s leadership exposure, advanced training, or certifications—we invest in your continuous learning.

• Team Collaboration: Work alongside talented fraud professionals who are passionate about what they do and eager to share knowledge.

• Impactful Work: Your insights will help drive strategic fraud prevention and shape BECU’s risk response practices.

• Values-Driven Culture: Join a credit union that prioritizes transparency, ethical practices, and community responsibility.

• Cutting-Edge Tools: Leverage robust systems and resources to investigate, analyze, and report fraud cases effectively.

QUALIFICATIONS:

Minimum Qualifications:

• Bachelor’s degree or equivalent work or educational experience required.

• Minimum 5 years’ experience in fraud or financial crimes case investigations, including 2 years in a fraud-specific customer service environment required.

• Experience in writing and filing Suspicious Activity Reports required.

• Certified Financial Crime Specialist (CFCS), Certified Fraud Examiner (CFE) required or can be obtained by applicant within 1 year of hire.

• Verbal and written communication skills to effectively communicate required.

• Organizational and problem-solving skills required.

• Knowledge of Regulation E, Regulation Z, and/or Regulation CC.

• Full-time hours required, with additional hours as necessary.

Desired Qualifications:

• Ability to work independently, and as a team member, while using discretion in decision making.

• Conceptual and organizational skills, with the ability to prioritize multiple tasks.

JOIN THE JOURNEY

Ready to make an indelible impact? Eager to be a part of a collaborative and innovative team where your ideas and contributions don’t just fill a role, but fuel the growth and success of BECU? This is more than a job – it’s a chance to elevate your career, skills, and future, all while contributing to the robust technological landscape of BECU.

Embrace the opportunity to grow with us. Apply now, bring your expertise to the table, and let’s achieve excellence together at BECU. Your journey of influence, innovation, and impactful contribution starts now.

#BECU #YourGrowth #BECUJourney

EEO Statement:

BECU is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, veteran status, disability, sexual orientation, gender identity, or any other protected status.