Fraud Investigations Specialist; Limited

Fraud Investigations Specialist (Limited Duration)

Remote role open to candidates residing in Washington (WA) or Oregon (OR). (Branches)

Status: Limited Duration (Expected to end in May 2027)

Pay Range: The target hourly pay range for this position is $30.17 - $34.28. The full hourly pay range is $27.43 - $41.13.

Job Overview: This position investigates and resolves card-related fraud alerts and cases by analyzing open‑source threat intelligence, disputes data, and consumer complaints, supporting the development and implementation of card rules to reduce risk. Ensures investigations and outcomes comply with Regulation E, Regulation Z, and other applicable guidance while providing clear support to customers and internal business partners on fraud concerns.

• Aggregates open‑source threat‑intelligence, card disputes data, and consumer complaints and assist in card rules development and implementation.
• Ensures adherence to Reg E, Reg Z, and applicable compliance rules and guidance.
• Investigates and dispositions fraud alerts and cases according to existing frameworks, regulatory guidance, and other documentation as required.
• Provides customer‑facing and internal business line support for fraud concerns.
• Maintains a continuous improvement mindset and stays current on the latest fraud typologies, applicable regulatory changes, and professional development topics.
• All other duties as assigned.

Monday–Friday 8:00 am – 5:00 pm. Occasional Saturdays as needed.

• A minimum of two (2) years experience in financial services, fraud management, card services, disputes management, or operations.

• Bachelor’s Degree in Business Administration or related field of study.
• Certifications:
  
  CFE, CISA, CISM, or other related certifications requiring continuing professional education credits.

• Working knowledge of debit/credit card fraud typologies (e.g., CNP, counterfeit, account takeover, social engineering) and dispute drivers.
• Knowledge of consumer protection and payments regulations and guidance applicable to investigations and dispute outcomes, including Regulation E and Regulation Z.
• Skill in conducting end‑to‑end fraud investigations: reviewing alerts, documenting findings, applying decision frameworks, and dispositioning cases within required time frames.
• Ability to aggregate and interpret open‑source threat intelligence, card dispute trends, and consumer complaints to identify patterns, root causes, and control gaps.
• Skill in developing, tuning, and implementing card rules/controls (where applicable), including validating effectiveness and monitoring for unintended customer impact.
• Strong analytical skills, including attention to detail, critical thinking, and sound judgment when weighing evidence and determining appropriate case outcomes.
• Ability to communicate clearly and professionally with customers regarding fraud concerns, next steps, and required documentation while maintaining confidentiality.
• Ability to support internal business partners (branch, call center, operations, risk/compliance) by translating fraud findings into actionable guidance.
• Skill in writing clear, complete, and compliant case notes that support auditability, regulatory review, and operational handoffs.
• Proficiency with job‑specific systems and Microsoft Office (Excel, Word, Outlook) to research transactions, track cases, and produce basic reporting.

This position is eligible for Full‑Time Regular 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.

• Medical, dental, and vision insurance paid at 100% by company for employee only coverage.
• Health Care FSA (HCFSA), Health Savings Account (HSA) with employer contributions, and Dependent Care FSA (DCFSA).
• Life and AD&D insurance.
• 401(k) plan enrollment.
• Accrued 8 hours of vacation and 8 hours of sick leave monthly.
• 11 paid holidays, 1 floating holiday, 16 hours of self‑care time, and 16 hours of volunteer time.

Peak Credit Union is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, protected veteran status, or disability.