Sr. Bank Fraud Investigator

Ally Financial only succeeds when its people do – and that’s more than some cliché people put on job postings. We live this stuff! We see our people as, well, people – with interests, families, friends, dreams, and causes that are all important to them. Our focus is on the health and safety of our teammates as well as work-life balance and diversity and inclusion.

From generous benefits to a variety of employee resource groups, we strive to build paths that encourage employees to stretch themselves professionally. We want to help you grow, develop, and learn new things. You’re constantly evolving, so shouldn’t your opportunities be, too?

Work Schedule:

Ally designates roles as (1) fully on-site, (2) hybrid, or (3) fully remote. Hybrid roles are generally expected to be in the office a certain number of days per week as indicated by your manager. Your hiring manager will discuss this role’s specific work requirements with you during the hiring process. All work requirements are subject to change at any time based on leader discretion and/or business need.

The primary role of the Senior Bank Fraud Investigator is to investigate and deter fraud against Ally Bank. This role requires the ability to conduct in-depth research of complex situations, use subject matter disciplines to solve difficult problems, execute various risk mitigation efforts and provide clear documentation of all findings. This position requires the ideal candidate to be a high-level problem solver.

You will work independently on various bank fraud projects and present findings and solutions to loss prevention leadership.

In office role with hybrid schedule – Ally work locations Lewisville, TX and Charlotte, NC.

• Conduct thorough investigations of fraud cases (including detailed link analysis) utilizing various tools and reports to identify potential fraudulent activities on new/existing accounts.
• Initiate investigations; responsible for handling all aspects of the investigation, including detailed analysis and research to resolve issues.
• Prepares drafts Regulatory Reports for potential submission to Fin Cen (SAR referrals).
• Collaborate with internal/external fraud investigators, legal teams, Adult Protective Services (APS) and Law Enforcement, acting as a liaison, preparing case referrals and follow up investigations.
• Conduct interviews with customers, representatives from other financial institutions, and other pertinent individuals to investigate and gather information related to potential fraudulent activities.
• Analyze data to detect patterns and trends in fraudulent activities.
• Ensure compliance with Federal and State laws and regulations related to fraud investigations.
• Responsible for reviewing large data sets to discover transaction patterns and filter for targeted information using traditional as well as predictive/advanced analytic methodologies.
• Excellent communication and collaboration abilities.
• Ensure enterprise-wide compliance with established standards, regulatory policies and procedures for the bank set by FSI as well as Compliance and Legal departments.
• Provide excellent customer service to those customers impacted by potential fraud, ensuring we help as appropriate.
• Maintain up-to-date knowledge, best practices, and awareness of investigative fraud techniques, fraud regulations (Fin Cen, UCC, etc), and investigation handling policy and procedures.

• Bachelor’s Degree in Criminal justice or related field preferred.
• 3 years of fraud investigations and SARs experience in financial services required. Work related experience should consist of in-depth background in bank fraud investigations of all types of forgery claims and schemes (i.e., kite schemes, counterfeit checks, forgeries, wires, ach, etc.), banking operations, government regulations, basic knowledge of UCC codes and industry defenses to adverse claims.
• CFE, CAFP, and CFCI certifications preferred.
• Knowledge in Elder Abuse and/or Elder Financial Exploitation investigations strongly preferred.
• Proven knowledge of regulatory Suspicious Activity Report experience – must have skills related to identifying, analyzing, and…