Senior Fraud Investigator

Ascensus is the leading independent technology and service platform powering savings plans across America, providing products and expertise that help nearly 16 million people save for a better today and tomorrow.

Section 1:
Position Summary The Senior Fraud Investigator is a senior individual contributor responsible for leading complex or high-impact investigations, identifying emerging fraud patterns, and serving as a subject matter expert within the fraud function. This role is expected to operate with a high degree of independence and sound judgment while managing complex casework and contributing to broader fraud risk strategies. In addition to conducting investigations, the Senior Fraud Investigator helps strengthen the fraud program by identifying root causes, recommending control or process improvements, and partnering across the organization to improve fraud prevention and response.

Section 2:
Job Functions,

Essential Duties and Responsibilities Lead complex fraud investigations involving multiple accounts, transactions, channels, and/or subjects

Identify and analyze emerging fraud trends, typologies, and risk indicators

Conduct root cause analysis of fraud events and identify opportunities to strengthen fraud controls

Use internal systems, reporting, and available data sources to investigate linked activity and suspicious patterns

Prepare clear, concise, and comprehensive case documentation, investigative summaries, and escalation materials

Support high-priority escalations and complex fraud events requiring timely containment and coordination

Partner with operations, compliance, legal, technology, and other stakeholders to support investigative outcomes

Help improve investigative procedures, documentation standards, and case management practices

Provide subject matter expertise and guidance to business partners and team members as needed

Identify opportunities for process improvement and stronger fraud mitigation practices

Responsible for protecting, securing, and proper handling of all confidential data held by Ascensus to ensure against unauthorized access, improper transmission, and/or unapproved disclosure of information that could result in harm to Ascensus or our clients.

At Ascensus we are guided by our Core Values of People Matter, Quality First and Integrity Always. They inspire us every day to prioritize an environment of respect for those we serve and one another and should be visible in your actions on a day-to-day.

Supervision  N/ASection 3:  Experience, Skills, Knowledge Requirements Minimum of 3–7 years of progressive experience in fraud investigations, financial crimes, or financial services risk management

Strong experience conducting complex investigations involving multiple data points, linked accounts, and suspicious activity patterns

Strong knowledge of fraud typologies, investigative techniques, and fraud risk management practices

Proven ability to identify emerging fraud patterns and translate findings into actionable recommendations

Ability to operate independently and exercise sound judgment in high-risk or ambiguous matters

Strong analytical, critical thinking, and problem-solving skills

Exceptional written and verbal communication skills

Demonstrated ability to communicate with senior stakeholders and cross-functional partners

Strong attention to detail and commitment to quality

Proficiency with case management, monitoring, and reporting tools

Experience in banking, financial services, retirement services, wealth services, fintech, or law enforcement

Experience supporting fraud control improvements or investigative process enhancements

Certifications such as CFE, CAMS, or CFCS are a plus Bachelor’s degree or equivalent combination of education and relevant experience…