ASSOCIATE, Fraud Risk Investigator-Client Protection

Join Our Client Protection Team as a Fraud Risk Investigator

The Client Protection Enterprise Support team works to protect our clients, their accounts, and their information from fraudulent activity.

In this role, you will review and investigate fraud alerts and referrals, validate client activity and identity, and identify potential fraud, including account takeover and familial fraud. You will use established procedures, prior experience, available fraud detection tools, and sound judgment to independently review and disposition alerts accurately and within required timeframes.

The role also involves identifying trends, emerging issues, and potential process or control gaps that may present future fraud risk. When fraud or account compromise is identified, you will take appropriate steps to help secure client accounts, mitigate potential financial loss, and coordinate necessary follow-up actions.

This is a strong opportunity for someone who is analytical, detail-oriented, comfortable making decisions, and interested in fraud prevention and investigations within financial services.

What You'll Do

• Conduct thorough reviews of fraud alerts, referrals, and suspected fraudulent activity, independently or with minimal guidance, to help protect clients, agents, and the company.
• Review information and available evidence to validate client identity and identify potential fraudulent activity, including account takeover, familial fraud, and other suspicious activity.
• Open and manage cases related to fraud alerts, referrals, and suspected activity reported by service representatives, clients, and agents.
• Independently evaluate and disposition assigned fraud alerts in accordance with established procedures and required timelines.
• Document fraud reviews and case findings clearly and concisely, including relevant facts, actions taken, findings, and rationale for case disposition.
• Take appropriate action when client accounts may be compromised, including securing accounts, supporting transaction reversal efforts, and contacting clients to validate transactions when required.
• Serve as a point of contact for clients impacted by fraud-related events, using sound judgment and professionalism when addressing questions involving sensitive situations.
• Manage assigned fraud alert queues and provide significant case updates and escalations to management as appropriate.
• Analyze fraud activity and trends to help identify emerging issues, recurring behaviors, potential process gaps, and areas of risk.
• Share findings and recommend potential process or control improvements to management based on fraud reviews and observed trends.
• Maintain a strong working knowledge of relevant administrative systems, products, services, client records, fraud detection systems, and fraud-related procedures.
• Build effective relationships with business partners to support meaningful fraud reviews and recommendations.
• Stay current on relevant fraud trends, industry practices, and evolving fraud risks.
• Participate in special projects and other assignments supporting the Client Protection Enterprise Support team.

What You'll Bring

Required Qualifications

• 2–4 years of relevant professional experience, preferably involving fraud review, investigations, risk, client protection, financial services operations, or a related field.
• Strong analytical skills with the ability to review information, identify inconsistencies or patterns, and make informed decisions.
• Ability to work independently and make timely decisions while following established procedures.
• Strong problem-solving skills and attention to detail.
• Strong written communication skills with the ability to clearly document case findings and decision rationale.
• Strong verbal and interpersonal communication skills, including the ability to effectively interact with clients and business partners regarding sensitive matters.
• Ability to manage multiple cases, alerts, and priorities in a timely and organized manner.
• Strong knowledge of Microsoft Excel and Word.
• Ability to adapt to changing fraud trends, business needs, and processes.

Preferred Qualifications

• Bachelor's degree preferred.
• Prior experience reviewing or investigating fraud, suspicious activity, account compromise, or identity-related concerns.
• Experience working with fraud detection, case management, or client account systems.
• Knowledge of LexisNexis and/or Pindrop.
• Experience within financial services, insurance, banking, or another environment involving client account protection.