Fraud Investigator I

Summary

Location 171 N. Winstead Avenue,Rocky Mount, NC, 27804,United StatesEmployee Type Exempt FT Non OfficerManage Others NoName Talent AcquisitionEmail [email protected] Our Team—Where Protection, Investigation, and Purpose MatterAt BM Technologies , protecting our customers and safeguarding their financial well-being is a responsibility we take seriously. Our Fraud Investigators play a critical role in identifying suspicious activity, investigating fraud claims, mitigating losses, and helping strengthen our fraud prevention efforts. If you're analytical, detail-oriented, and motivated by solving complex problems, this role offers meaningful impact and professional growth.Why You'll Love This RoleYou'll play a direct role in protecting customers and the organization from fraud-related losses.You'll be trusted to investigate complex situations and make informed decisions.You'll work alongside Fraud Prevention, Compliance, Risk Management, Operations, and other key business partners.You'll continuously learn about emerging fraud schemes, trends, and prevention strategies.You'll have opportunities to develop your expertise within a growing fintech and banking environment.You'll be recognized for critical thinking, sound judgment, and attention to detail.This role is ideal for someone who enjoys investigating issues, uncovering patterns, and helping protect customers through thoughtful analysis and action.Where You'll Spend TimeInvestigating allegations and suspicions of customer fraud activity.Reviewing account activity, transaction details, supporting documentation, and fraud indicators.Communicating with customers, merchants, and internal partners regarding fraud claims and investigations.Researching cases using fraud tools, reporting systems, and available resources.Identifying fraud trends, patterns, and opportunities to reduce future risk.Collaborating with Fraud Prevention, Compliance, Risk Management, and Operational teams to improve controls and processes.Work is performed in a fast‑paced, investigative environment that values critical thinking, accuracy, accountability, and customer protection.What Makes You a Great FitYou are analytical, curious, and naturally inclined to investigate problems.You can evaluate information objectively and make sound decisions.You pay close attention to detail and maintain a high level of accuracy.You communicate clearly and professionally with both internal and external stakeholders.You remain organized while managing multiple priorities and deadlines.You enjoy collaborating with others while maintaining ownership of your work.You thrive in environments that require accountability, professionalism, and adaptability.What You'll Do (Highlights)Investigate fraud claims involving customer accounts, transactions, and related activity.Analyze documentation and account information to determine appropriate case resolution.Evaluate chargeback eligibility and support recovery efforts where appropriate.Document investigative findings thoroughly and accurately.Identify fraud trends and elevate emerging risks to management.Take timely action to help prevent future fraud while minimizing customer impact.Support fraud reporting, case management, and departmental initiatives.Assist with projects and additional responsibilities as assigned.QualificationsRequiredMinimum of 3 years of fraud investigation experience, preferably within financial services.Strong understanding of fraud investigation practices and procedures.Excellent verbal and written communication skills.Strong analytical, organizational, and problem-solving abilities.Ability to manage multiple priorities and meet deadlines in a fast-paced environment.Ability to exercise sound judgment and maintain confidentiality.Willingness to adapt, learn, and support other areas as business needs evolve, with or without reasonable accommodation.PreferredExperience in banking, fintech, financial services, or another regulated industry.Knowledge of banking systems, fraud detection tools, and case management platforms.Experience with fraud reporting, risk mitigation, and customer protection activities.Proficiency in Microsoft Word, Excel, and Outlook.Associate or Bachelor's degree in Criminal Justice, Finance, Business, Risk Management, or a related field (or equivalent experience).Comprehensive medical, dental, and vision insuranceRetirement savings plans with company matchPaid time off and company-observed holidaysProfessional development and training opportunitiesEmployee assistance programsOpportunities to serve and support our communitiesProficiency in office skills: computer, typing, MS Office (Word, Excel, Outlook).Knowledge of core and ancillary banking systems.Understands and adheres to Workplace Policies, Code of Conduct, privacy, and information security guidelines.Understands and adheres to Anti-Money Laundering, Bank Secrecy Act, andCompliance withthe USA PATRIOT Act policies and procedures applicable to position, completing any supporting requirements within defined timeframes.Acts within authorized limits and delegated authorities and role applicable policies and procedures.Follows processes and controls to protect shareholder interests. Mitigates risk to the bank and customers by following all applicable security procedures.This position requires adherence to Workplace Policies, Code of Conduct, privacy and information security standards, and all applicable Anti-Money Laundering, Bank Secrecy Act, and USA PATRIOT Act requirements. Employees are expected to operate within authorized limits, follow established controls, and actively support risk mitigation efforts to protect customers, partners, and the organization.Why Fraud Professionals Choose BM TechnologiesFraud prevention is constantly evolving, and so are we. At BM Technologies, you'll investigate complex cases, identify emerging fraud trends, and help protect our customers and business. You'll partner across the organization, influence meaningful outcomes, and continue building your expertise in a dynamic fintech environment.Our core values guide everything we doEnterprising – We proactively identify risks and pursue innovative solutions.Intentional – We investigate thoroughly, act thoughtfully, and hold ourselves accountable.Responsive – We move quickly to address threats, support customers, and mitigate risk.Considerate – We lead with professionalism, integrity, and respect in every interaction.If you're passionate about protecting others, solving complex problems, and making a difference, you'll find a rewarding career at BM Technologies.SummaryPosition Purpose:This position is responsible for analyzing and detecting fraud trends, patterns. Detects common points of compromises on Checking and/or Savings Account/Profile portfolios to mitigate exposure to fraud through implementation of preventive actions. Works on projects related to Fraud Prevention initiatives and association related fraud risk assessments and compliance. The Fraud Investigator I is to provide cross‑functional, fraud mitigation support as a key member of the Corporate Security Team. This position requires the ability to make impactful decisions in a fast‑paced environment and team members are empowered to apply professional judgement while analyzing cases, daily. Fraud Investigator Is also cross‑train and step in where necessary, including coverage for fraud analysts.Primary Responsibilities:First line review for triage, mitigation, investigation and recovery of allegations or suspicions of external customer asset fraud.Request, examine, and analyze banks transmittal records and/or supporting documentation to determine chargeback eligibility.Ensures quality standards and time constraints are met to prevent monetary losses.Communicates with, customers, merchants, and leadership regarding fraud claims.Maintain departmental procedures for assigned job functions.Ensures accurate fraud reporting for fraudulent activity.Notifies management of important developments (fraud trends) and potential problems (fraud detection/prevention)Proficiency with Case Management System and reporting tools.Conducting research utilizing available tools, systems, and the internet, consistent with the resolution of cases.Assessment of client profile data against hits to ensure normal and expected activity.Escalating relationship retention or termination decisions and tracking account closures where applicable.Proactively identify risks and drive mitigation activity to completion.Work with management to escalation risks and incidents to appropriate risk & control areas to enhance risk management posture.Take appropriate and timely actions to block and prevent future fraud while minimizing negative customer impact.Performs other related duties as assigned by Manager.Other duties as assigned.Authority, Impact, Risk:Reputational and financial risks due to non-compliance.Lack of understanding and compliance on the part of the staff due to improper or non-existent training and incomplete/missing policies and procedures.Key Relationships:Routine interaction with Chief Compliance Officer, Internal Audit Manager, Chief Risk Officer and Chief Financial Officer (FCFS), Chief Operating Officer, CFO, Director – Deposit Services, Director of Information Technology Services, and all impacted staffAgency regulators (both State and Federal)Managerial Accountability:Working Conditions:Ability to prepare concise reports.Ability to deliver information in a confident, informed manner.Time management to accommodate multiple deadlines, various reporting hierarchies and competing schedules.Ability to deliver training on numerous regulatory subjects in an informative style that ensures understanding of the subject matter.Ability to accurately analyze and communicate reports and findings.Ability to work in fast paced environment.Time Allocation:Determined by BSA and Compliance self‑assessments and internal/external audit results and Regulatory examination and Board schedules.Job Specifications:Position adheres to confidentiality policy, code of ethics and knowledge of Bank Secrecy Act and best practices and other pertinent Regulatory laws and regulations.Required:Minimum 3 years of experience in field of fraud investigation, preferably in financial services industry.Thorough knowledge and understanding of the field's concepts, practices, and procedures,especially with respect to interview/interrogation and regulatory reporting.Possess/Project self-confidence with excellent verbal/written communication and inter-personalskills.Ability to handle multiple tasks simultaneously in a competent and professional manner.Preferred:Proficiency in office skills: computer, typing, MS Office (Word, Excel, Outlook).Knowledge of core and ancillary banking systems.Understands and adheres to Workplace Policies, Code of Conduct, privacy, and information security guidelines.Understands and adheres to Anti-Money Laundering, Bank Secrecy Act, andCompliance withthe USA PATRIOT Act policies and procedures applicable to position, completing any supporting requirements within defined timeframes.Acts within authorized limits and delegated authorities and role applicable policies and procedures.Follows processes and controls to protect shareholder interests. Mitigates risk to the bank and customers by following all applicable security procedures.Equal Opportunity Employer including Veterans/Disabilities#J-18808-Ljbffr

Job Description

Location 171 N. Winstead Avenue,Rocky Mount, NC, 27804,United StatesEmployee Type Exempt FT Non OfficerManage Others NoName Talent AcquisitionEmail [email protected] Our Team—Where Protection, Investigation, and Purpose MatterAt BM Technologies , protecting our customers and safeguarding their financial well-being is a responsibility we take seriously. Our Fraud Investigators play a critical role in identifying suspicious activity, investigating fraud claims, mitigating losses, and helping strengthen our fraud prevention efforts. If you're analytical, detail-oriented, and motivated by solving complex problems, this role offers meaningful impact and professional growth.Why You'll Love This RoleYou'll play a direct role in protecting customers and the organization from fraud-related losses.You'll be trusted to investigate complex situations and make informed decisions.You'll work alongside Fraud Prevention, Compliance, Risk Management, Operations, and other key business partners.You'll continuously learn about emerging fraud schemes, trends, and prevention strategies.You'll have opportunities to develop your expertise within a growing fintech and banking environment.You'll be recognized for critical thinking, sound judgment, and attention to detail.This role is ideal for someone who enjoys investigating issues, uncovering patterns, and helping protect customers through thoughtful analysis and action.Where You'll Spend TimeInvestigating allegations and suspicions of customer fraud activity.Reviewing account activity, transaction details, supporting documentation, and fraud indicators.Communicating with customers, merchants, and internal partners regarding fraud claims and investigations.Researching cases using fraud tools, reporting systems, and available resources.Identifying fraud trends, patterns, and opportunities to reduce future risk.Collaborating with Fraud Prevention, Compliance, Risk Management, and Operational teams to improve controls and processes.Work is performed in a fast‑paced, investigative environment that values critical thinking, accuracy, accountability, and customer protection.What Makes You a Great FitYou are analytical, curious, and naturally inclined to investigate problems.You can evaluate information objectively and make sound decisions.You pay close attention to detail and maintain a high level of accuracy.You communicate clearly and professionally with both internal and external stakeholders.You remain organized while managing multiple priorities and deadlines.You enjoy collaborating with others while maintaining ownership of your work.You thrive in environments that require accountability, professionalism, and adaptability.What You'll Do (Highlights)Investigate fraud claims involving customer accounts, transactions, and related activity.Analyze documentation and account information to determine appropriate case resolution.Evaluate chargeback eligibility and support recovery efforts where appropriate.Document investigative findings thoroughly and accurately.Identify fraud trends and elevate emerging risks to management.Take timely action to help prevent future fraud while minimizing customer impact.Support fraud reporting, case management, and departmental initiatives.Assist with projects and additional responsibilities as assigned.QualificationsRequiredMinimum of 3 years of fraud investigation experience, preferably within financial services.Strong understanding of fraud investigation practices and procedures.Excellent verbal and written communication skills.Strong analytical, organizational, and problem-solving abilities.Ability to manage multiple priorities and meet deadlines in a fast-paced environment.Ability to exercise sound judgment and maintain confidentiality.Willingness to adapt, learn, and support other areas as business needs evolve, with or without reasonable accommodation.PreferredExperience in banking, fintech, financial services, or another regulated industry.Knowledge of banking systems, fraud detection tools, and case management platforms.Experience with fraud reporting, risk mitigation, and customer protection activities.Proficiency in Microsoft Word, Excel, and Outlook.Associate or Bachelor's degree in Criminal Justice, Finance, Business, Risk Management, or a related field (or equivalent experience).Comprehensive medical, dental, and vision insuranceRetirement savings plans with company matchPaid time off and company-observed holidaysProfessional development and training opportunitiesEmployee assistance programsOpportunities to serve and support our communitiesProficiency in office skills: computer, typing, MS Office (Word, Excel, Outlook).Knowledge of core and ancillary banking systems.Understands and adheres to Workplace Policies, Code of Conduct, privacy, and information security guidelines.Understands and adheres to Anti-Money Laundering, Bank Secrecy Act, andCompliance withthe USA PATRIOT Act policies and procedures applicable to position, completing any supporting requirements within defined timeframes.Acts within authorized limits and delegated authorities and role applicable policies and procedures.Follows processes and controls to protect shareholder interests. Mitigates risk to the bank and customers by following all applicable security procedures.This position requires adherence to Workplace Policies, Code of Conduct, privacy and information security standards, and all applicable Anti-Money Laundering, Bank Secrecy Act, and USA PATRIOT Act requirements. Employees are expected to operate within authorized limits, follow established controls, and actively support risk mitigation efforts to protect customers, partners, and the organization.Why Fraud Professionals Choose BM TechnologiesFraud prevention is constantly evolving, and so are we. At BM Technologies, you'll investigate complex cases, identify emerging fraud trends, and help protect our customers and business. You'll partner across the organization, influence meaningful outcomes, and continue building your expertise in a dynamic fintech environment.Our core values guide everything we doEnterprising – We proactively identify risks and pursue innovative solutions.Intentional – We investigate thoroughly, act thoughtfully, and hold ourselves accountable.Responsive – We move quickly to address threats, support customers, and mitigate risk.Considerate – We lead with professionalism, integrity, and respect in every interaction.If you're passionate about protecting others, solving complex problems, and making a difference, you'll find a rewarding career at BM Technologies.SummaryPosition Purpose:This position is responsible for analyzing and detecting fraud trends, patterns. Detects common points of compromises on Checking and/or Savings Account/Profile portfolios to mitigate exposure to fraud through implementation of preventive actions. Works on projects related to Fraud Prevention initiatives and association related fraud risk assessments and compliance. The Fraud Investigator I is to provide cross‑functional, fraud mitigation support as a key member of the Corporate Security Team. This position requires the ability to make impactful decisions in a fast‑paced environment and team members are empowered to apply professional judgement while analyzing cases, daily. Fraud Investigator Is also cross‑train and step in where necessary, including coverage for fraud analysts.Primary Responsibilities:First line review for triage, mitigation, investigation and recovery of allegations or suspicions of external customer asset fraud.Request, examine, and analyze banks transmittal records and/or supporting documentation to determine chargeback eligibility.Ensures quality standards and time constraints are met to prevent monetary losses.Communicates with, customers, merchants, and leadership regarding fraud claims.Maintain departmental procedures for assigned job functions.Ensures accurate fraud reporting for fraudulent activity.Notifies management of important developments (fraud trends) and potential problems (fraud detection/prevention)Proficiency with Case Management System and reporting tools.Conducting research utilizing available tools, systems, and the internet, consistent with the resolution of cases.Assessment of client profile data against hits to ensure normal and expected activity.Escalating relationship retention or termination decisions and tracking account closures where applicable.Proactively identify risks and drive mitigation activity to completion.Work with management to escalation risks and incidents to appropriate risk & control areas to enhance risk management posture.Take appropriate and timely actions to block and prevent future fraud while minimizing negative customer impact.Performs other related duties as assigned by Manager.Other duties as assigned.Authority, Impact, Risk:Reputational and financial risks due to non-compliance.Lack of understanding and compliance on the part of the staff due to improper or non-existent training and incomplete/missing policies and procedures.Key Relationships:Routine interaction with Chief Compliance Officer, Internal Audit Manager, Chief Risk Officer and Chief Financial Officer (FCFS), Chief Operating Officer, CFO, Director – Deposit Services, Director of Information Technology Services, and all impacted staffAgency regulators (both State and Federal)Managerial Accountability:Working Conditions:Ability to prepare concise reports.Ability to deliver information in a confident, informed manner.Time management to accommodate multiple deadlines, various reporting hierarchies and competing schedules.Ability to deliver training on numerous regulatory subjects in an informative style that ensures understanding of the subject matter.Ability to accurately analyze and communicate reports and findings.Ability to work in fast paced environment.Time Allocation:Determined by BSA and Compliance self‑assessments and internal/external audit results and Regulatory examination and Board schedules.Job Specifications:Position adheres to confidentiality policy, code of ethics and knowledge of Bank Secrecy Act and best practices and other pertinent Regulatory laws and regulations.Required:Minimum 3 years of experience in field of fraud investigation, preferably in financial services industry.Thorough knowledge and understanding of the field's concepts, practices, and procedures,especially with respect to interview/interrogation and regulatory reporting.Possess/Project self-confidence with excellent verbal/written communication and inter-personalskills.Ability to handle multiple tasks simultaneously in a competent and professional manner.Preferred:Proficiency in office skills: computer, typing, MS Office (Word, Excel, Outlook).Knowledge of core and ancillary banking systems.Understands and adheres to Workplace Policies, Code of Conduct, privacy, and information security guidelines.Understands and adheres to Anti-Money Laundering, Bank Secrecy Act, andCompliance withthe USA PATRIOT Act policies and procedures applicable to position, completing any supporting requirements within defined timeframes.Acts within authorized limits and delegated authorities and role applicable policies and procedures.Follows processes and controls to protect shareholder interests. Mitigates risk to the bank and customers by following all applicable security procedures.Equal Opportunity Employer including Veterans/Disabilities#J-18808-Ljbffr