Risk Management Investigator III

Top Line Financial Credit Union has been a member-owned financial services cooperative since 1935. We are looking for outgoing individuals to join our Top Line team that is dedicated to building life‑long relationships to help our members reach and manage their financial goals.

The Risk Management Investigator III will provide support to the Risk Management Department by coordinating fraud tracking and mitigation efforts. While assisting with Bank Secrecy Act (BSA)/Anti‑Money Laundering (AML)/Countering the financing of Terrorism (CFT), OFAC obligations along with other risk management related reporting/investigations.

• Reviews transaction monitoring alerts, utilizes knowledge and applies decision making skills to take appropriate action. Investigate, document and maintain detailed records.
• Lead and coordinate investigations, involving fraud and identity theft, including tracking, monitoring, and reporting.
• Serve as the primary point of contact for fraud‑related matters.
• Prepare and review and file required regulatory reports, including SARs, and CTRs; provide backup support for 314(a), 314(b), and OFAC matches.
• Assists and supports audits, exams, bond and insurance claims, and third‑party information request (e.g., subpoenas, law enforcement inquire).
• Communicate with members to verify suspicious activity, provide scam‑related assistance, and implement appropriate risk mitigation as needed.
• Prepare fraud reporting/ tracking and investigations; while filing police reports when appropriate.
• Proactively research and evaluate system enhancements and / or new solutions.
• Create, update and maintain Fraud Handbook, including but not limited to checklists, responses and forms.
• Proactively recommend development of controls, metrics and tools to monitor and mitigate operational losses.
• Assist with the development, review and update of department procedures.
• Complies with all applicable credit union policies, procedures and government regulations including BSA.
• Perform other tasks as assigned or requested.

• Bachelor’s Degree and 10 + years’ experience in BSA/AML/CFT/OFAC compliance, fraud and/or security or law enforcement background.
• BSA/AML Certification (CBSAP, CAMS) and Certified Fraud Examiner (CFE) or equivalent required.
• Demonstrated sound judgment and strong decision‑making skills.
• Proven ability to handle highly sensitive and confidential information with discretion, professionalism, diplomacy, and integrity.
• Strong analytical and problem‑solving skills.
• Ability to work both independently and collaboratively within a team environment.
• Proactively identify workable recommendations and solutions to security and potential fraud related issues.
• Excellent verbal and written communication skills.
• Ability to work with all levels of management and credit union staff and members.
• Detail oriented with good organizational skills.
• Broad knowledge of credit union or financial institution operations, products, services, and laws and regulations.

$74,186.94 - $92,733.67 (salary)

At Top Line Financial Credit Union, we celebrate diversity by offering a work environment that is shaped by individual respect and mutual trust where every individual can thrive. We are proud to be an
Equal Opportunity/Affirmative Action Employer committed to diversity in the workplace and comply with all applicable federal, state, and local laws regarding non‑discrimination and affirmative action.