Fraud Examiners, Investigators and Analysts

SIU Investigative Specialist - CF08IE

We’re determined to make a difference and are proud to be an insurance company that goes well beyond coverages and policies. Working here means having every opportunity to achieve your goals – and to help others accomplish theirs, too. Join our team as we help shape the future.

The Investigative Specialist is a position within The Hartford’s Special Investigative Unit. We are seeking candidates that have an investigative mindset and interested in advancing their career within The Hartford. This position conducts investigations on suspicious (with red flags noted) Long Term Disability insurance claims. The Investigative Specialist specializes in formulating and implementing the most efficient and effective investigative strategies for documenting claimants’ functionality level, any unreported work activity and unreported “other income” benefits. They specialize in conducting surveillance in a strategic and cost-effective manner and manage all Group Benefit LTD referrals involving surveillance within SIU. They are also SIU liaisons for their assigned regional offices.

RESPONSIBILITIES

+ Review claim referrals and determine whether they are appropriate for additional investigation. This process includes a detailed review of the claim and a wide range of background searches.

+ Proactively review and identify claims that contain red flags. This could include, reviewing analytical reports; conducting database research; collecting all appropriate background information; and conducting analysis to determine if the case would warrant additional investigation.

+ Specialize in formulating and implementing the most efficient and effective investigative strategies for documenting claimants’ functionality level to assist the claims staff in determining if claimants meet the contractual definition of disability and determining if claimants have any unreported work activity or unreported “other income” benefits. This includes communicating with claim handlers to understand the facts and circumstances associated with the loss and reported medical condition(s), policy considerations, and other pertinent issues to design an effective investigative plan.

+ The Investigative Specialist will identify opportunities to schedule roundtable meetings to discuss evidence development and solicit feedback.

+ Prepare and submit investigative reports detailing and documenting all phases of investigations to assist with the resolution of Long-Term Disability claims.

+ Act as SIU liaisons with their assigned regional offices. Responsible for meeting with their assigned claim teams remotely. Required to promote fraud awareness and quality SIU referrals within their assigned regional claim offices.

+ Continually enhance investigative skills and understanding of emerging issues impacting Group Benefits claims.

+ Mentoring new and current SIU Investigative Specialists when needed.

QUALIFICATIONS:

+ Minimum of 3 years insurance claim handling experience required. Long Term Disability claim experience preferred.

+ Claims investigative experience required or an equivalent combination of education and experience.

+ College degree required with criminal justice emphasis preferred.

+ Demonstrated high level of investigative knowledge and mindset.

+ Solid understanding of SIU and relevant claim processes, practices and applicable laws and regulations.

+ Consistent high level of performance and achievement over career span.

+ Ability to lead without having formal authority and to work both independently and in a team environment.

+ Ability to manage multiple priorities in a challenging and fast-paced environment.

+ Strong analytical and research skills, with an investigative mindset.

+ Demonstrated fraud awareness and aptitude.

+ Effective interviewing and communication skills (written and verbal).

+ Proven ability to build strong partnerships across segments and function.

+ Customer centricity

This role can have a Hybrid or Remote work arrangement. Candidates who live near one of our office locations (Hartford, CT, San Antonio, TX, Lake Mary, FL, Phoenix, AZ, Naperville, IL) will have the expectation of working in an office 3 days a week (Tuesday through Thursday). Candidates who do not live near an office will have a remote work arrangement, with the expectation of coming into an office as business needs arise.

WHAT ELSE CAN YOU TELL ME?

+ For full-time, occasional, part-time or remote positions: (1) high speed broadband internet service is required, we do not recommend or support DSL, wireless, Wifi, Hotspots, Fiber without a modem and Satellite; (2) Internet provider supplied modem/router/gateway is hardwired to the Hartford issued computer with an ethernet cable; and (3) minimum upload/download speeds of 5Mbps/30Mbps will be required. To confirm whether your Internet system has sufficient speeds, please visit http://www.speedtest.net from your personal computer.

How We Focus on Your Wellbeing: ​

+ 401K, Medical, Dental, Vision, Life and Disability Insurance. Effective day 1. ​

+ 25 days paid time off in your first full year and Paid Holidays

+ Click on this link to learn more about our comprehensive benefits package and award-winning well-being program: https://www.thehartford.com/careers/benefits

+ Tuition reimbursement - up to $5,250 (undergraduate) and $6,000 (graduate) for tuition and registration fees for degree programs that support your career development (subject to additional requirements)​.

+ Student Loan Paydown Program – eligible to participate after 6 months of service. The Hartford will make a direct contribution of $125 per month – with a lifetime maximum up to $10,000 – as a supplemental payment towards your student loan in order to help you manage the stress of student debt and help you pay down your student loan faster.

Compensation

The listed annualized base pay range is primarily based on analysis of similar positions in the external market. Actual base pay could vary and may be above or below the listed range based on factors including but not limited to performance, proficiency and demonstration of competencies required for the role. The base pay is just one component of The Hartford’s total compensation package for employees. Other rewards may include short-term or annual bonuses, long-term incentives, and on-the-spot recognition. The annualized base pay range for this role is:

$69,600 - $104,400

Equal Opportunity Employer/Females/Minorities/Veterans/Disability/Sexual Orientation/Gender Identity or Expression/Religion/Age

About Us (https://www.thehartford.com/about-us) | Culture & Employee Insights (https://www.thehartford.com/careers/employee-stories) | Diversity, Equity and Inclusion (https://www.thehartford.com/about-us/corporate-diversity) | Benefits (https://www.thehartford.com/careers/benefits)

Human achievement is at the heart of what we do.

We believe that with the right encouragement and support, people are capable of achieving amazing things.

We put our belief into action by ensuring individuals and businesses are well protected, and by going even further – making an impact in ways that go beyond an insurance policy.

Nearly 19,000 employees use their unique talents in careers that span a variety of disciplines – from developing the latest technology to creating and promoting our products to evaluating future financial risks.

We’re also committed to programs that drive education and support volunteerism, which put human beings first. We do it because it’s the right thing to do, and because when our customers, communities and employees succeed, we all do.

About Us (https://www.thehartford.com/about-us)

Culture & Employee Insights (https://www.thehartford.com/careers/employee-stories)

Diversity, Equity and Inclusion (https://www.thehartford.com/about-us/corporate-diversity)

Benefits (https://www.thehartford.com/careers/benefits)

Legal Notice (https://www.thehartford.com/legal-notice)

Accessibility StatementProducer Compensation (https://www.thehartford.com/producer-compensation)

EEO

Privacy Policy (https://www.thehartford.com/online-privacy-policy)

California Privacy Policy

Your California Privacy Choices (https://www.thehartford.com/data-privacy-opt-out-form)

International Privacy Policy

Canadian Privacy Policy (https://www.thehartford.com/canadian-privacy-policy)

Unincorporated Areas of LA County, CA (Applicant Information)

Introduction:
The Police Crime Scene Specialist conducts technical investigations of all types of crime scenes; duties include photography and the collection, examination and preservation of evidence.

ANTICIPATED STARTING SALARY MAY BE UP TO MID-POINT
DEPENDING ON CANDIDATE’S EXPERIENCE AND INTERNAL EQUITY.
Mid-Point for this position is $31.63

Minimum Qualifications:

Education and Experience:
•An Associate's Degree in crime scene investigations, crime scene technology, criminalistics, or closely related field from an accredited educational institution with coursework in forensic science, crime scene technology, or chemistry.
•An equivalent combination of education and job-related experience may substitute for the educational requirements on a year-for-year basis.
•Must be at least 21 years of age at the time of application.

Licensing, Certifications and Other Requirements:
•Must possess and maintain a valid, unrestricted driver's license with no major citations within the past 39 months prior to the start date. The Arizona Department of Motor Vehicles requires that out-of-state driver's licenses must be surrendered within 10 days of relocating to the State of Arizona.
•Must be able to complete an extensive training program and successfully pass all competency testing components within a year of the date of hire or promotion.
•Every person employed by the City of Scottsdale shall reside in the State of Arizona during his or her active employment by the City, regardless of whether the employee is approved to remote work.

Other pertinent licenses and/or certifications may be required of some positions depending on department/section assignment.

Essential Functions:

Performs duties and responsibilities commensurate with assigned functional area which may include, but are not limited to, any combination of the following:

•Distinguishes the full range of the color spectrum in order to visually and physically examine and investigate all types of crime scenes including, but not limited to: burglaries, vehicle crimes, thefts, assaults, abuse, thefts, criminal damage, and death investigations, for the recognition, collection and preservation of physical evidence such as latent fingerprints, shoe prints and tire tracks, body fluids (such as blood, semen, saliva, etc.), hair and fibers, weapons and other materials in sometimes stressful and unpleasant environments.
•Utilizes a two-way radio, MDC, and phone in order to communicate with diverse groups of people, both verbally and in writing, often under stressful circumstances.
•Utilizes specialized equipment and procedures to determine the presence of body fluids and to collect body fluids, hair, fibers, gunshot residue and other trace evidence and materials.
•Dusts for and completes lifts for fingerprints; casts shoe impressions and other evidence preserving techniques as required.
•Conducts interviews to gain relevant information for crime scene investigations.
•Testifies in court in connection to scenes processed and evidence collected and preserved.
•Completes and passes annual proficiency testing in various aspects of crime scene processing.

Work Environment/Physical Demands

The physical demands and work environment characteristics described here are representative of those that must be met by an employee to successfully perform the essential functions of this position or that an employee encounters while performing the essential functions of this position. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions.

•Stands for extended periods of time in all kinds of weather conditions while moving hands and arms above the shoulders.
•Read and navigate using maps to find addresses for routine and priority calls in a timely fashion.
•Bends, stoops, or picks up traffic cones and other objects; climb barriers while carrying objects.
•Moves or drags up to 165 pounds and can carry up to 50 pounds short distances without assistance.
•Measure distances and draws corresponding diagrams.
•Utilize two-way radio and mobile data terminal to hear and respond to radio communications, voice instructions, and/or commands under a variety of working situations and background noise levels consistent with Scene investigation and/or traffic control.
•Exposure to dirt, dust, pollen, inclement weather, temperature extremes, traffic hazards, hazardous materials, and firearms.
•Work in stressful and hazardous environments, which may be offensive to the senses of sight, touch or smell.
•Work around and come into contact with deceased individuals in various stages of decomposition.
•Concentrate on and complete tasks in the presence of distractions in a timely manner.
•Use appropriate Personal Protection Equipment (PPE) when needed / required.
•Some work is performed in a City office environment.
•May be required to rotate on-call responsibilities for one-week duration among unit personnel.
•Work shifts and overtime, which may include nights, weekends, and holidays.

Benefits Highlights:

The City of Scottsdale offers a comprehensive benefits package including:

•12 Paid Holidays, which includes 1 Floating Holiday
•Vacation Accrual; starts at 10.3 hours/month
•Sick Leave Accrual; 8 hours/month
•Medical (which includes behavioral health coverage), Dental and Vision Benefits
•City Paid Basic Life Insurance (equal to one times employee annual salary); option of Supplemental Life Insurance
•Tuition Reimbursement; $2,500/year
•Participation in the Arizona State Retirement System (ASRS) Defined benefit plan with mandatory employer and employee contributions currently at 12.27% which includes a Long-Term Disability benefit
•Supplemental Retirement Plans through Nationwide; 457
•Pet Insurance
•Bilingual pay compensation

Please visit the Human Resources and Benefits Information page for more information.

Selection Process:

The application and supplemental questions are an integral part of the selection process and must be completed in full in order for you to be considered as a candidate. Please complete each section and answer all questions as thoroughly as possible. DO NOT state “See Resume” in lieu of answering. Unanswered questions, incomplete responses, omissions, or partial information may result in disqualification from the selection process.

Applicants whose education, training and experience most closely meet the needs of the position may be invited to participate in a selection process that may include a panel interview. Successful candidates will receive a post-offer, pre-employment background screening that may include:

•Fingerprinting search of the national FBI Database
•Criminal Background screening
•Drug Screen
•39-Month Motor Vehicle Department Records Check
•Psychological Testing
•Polygraph Examination
•Credit Check

The timeframe for reapplication with the Police Department varies based on the position and the needs of the organization

The City of Scottsdale reserves the right to change this process at any time, potentially without advance notice.

PLEASE NOTE: Years of experience are based on a work schedule of 2,080 hours per year for full-time positions and 1,040 hours per year for part-time positions, and while work experience may substitute for education on a year-for-year basis, depending upon the job classification, education may not be substituted for work experience.

EQUAL EMPLOYMENT OPPORTUNITY: It is the policy of the city to provide employment opportunities to all persons based solely on ability, regardless of race, color, religion, sex, national origin, age, sexual orientation, gender identity or disability.

When advised, reasonable accommodations will be made in order for an "otherwise qualified applicant" with a disability to participate in any phase of the recruitment process. Please contact Human Resources to request an accommodation. Persons with a disability may request a reasonable accommodation by contacting HR Receptionist at (480) 312-2491. Requests should be made 24 hours in advance or as early as possible to allow time to arrange the accommodation. For TTY users, the Arizona Relay Service (1-800-367-8939) may contact HR Receptionist at (480) 312-2491.This position description does not constitute an employment agreement between the employer and employee and is subject to change by the employer as the needs of the employer and requirements of the position change.

**About Lumen**

Lumen connects the world. We are igniting business growth by connecting people, data and applications – quickly, securely, and effortlessly. Together, we are building a culture and company from the people up – committed to teamwork, trust and transparency. People power progress.

Lumen’s commitment to workplace inclusion and employee support shines bright. We’ve made the Newsweek 2024 Greatest Workplaces for Diversity list and achieved a perfect score of 100 on the Human Rights Campaign Corporate Equality Index (CEI) for the fifth consecutive year. Plus, we’re the top employer in the communications and telecom industry, ranking 12th overall across all industries in The American Opportunity Index.

We’re looking for top-tier talent and offer the flexibility you need to thrive and deliver lasting impact. Join us as we digitally connect the world and shape the future.

**The Role**

At Lumen, we are committed to creating and maintaining an ethical business culture. Lumen’s Corporate Ethics & Compliance Team, led by the Company’s Chief Ethics and Compliance Officer, is responsible for communicating and reinforcing the ethical and legal standards that govern our business conduct. Our team is seeking a full-time Lead Corporate Investigator to conduct internal investigations into concerns raised internally and externally and reported to the Compliance team through a variety of channels, including the Lumen Integrity Line. The investigator will report directly to the Manager of Corporate Investigations, will work closely with Management, Human Resources and members of the Law Department while conducting investigations, and will otherwise support the Ethics and Compliance team. The Corporate Investigator role in the organization is critical to the success of the company.

**Location**

This role has been designated as fully remote, US.

**The Main Responsibilities**

+ Efficiently conduct internal investigations into allegations of illegal or unethical conduct involving Lumen employees, contractors, suppliers, vendors, customers, or members of the general public.

+ Effectively prioritize and manage investigations of varying degrees of severity, complexity, and urgency.

+ Must be able to respond quickly to critical events that require immediate investigative support and demonstrate flexibility in responding to changes in assignment and job responsibility.

+ Thoroughly document investigative findings and prepare concise Reports of Investigation for read-outs to Human Resources and Senior Management.

+ Demonstrate excellent research, analytical, oral and written communication skills.

+ Effectively and professionally support and communicate with members of Human Resources, Senior Management, Corporate Security, Internal Audit, Finance, Law Department, and other business units throughout the investigations process and in other support of other Ethics and Compliance initiatives.

+ Identify and make recommendations on remedial measures following investigations

+ Possess the highest degree of integrity and a demonstrated ability to protect confidential information

+ Travel may be required for more complex investigations.

**What We Look For in a Candidate**

Required

+ The ideal candidate is a critical thinker and active listener, exercises good judgment, has excellent written and oral communication and organizational skills, and serves as a collaborative team member

+ Juris Doctor required

+ 3+ years experience conducting investigations or similar experience in a law firm, company, or state, federal, or other government agency

+ Excellent research, analytical, written, and verbal communication skills

+ Organizational, time-management and prioritization capabilities, with the ability to manage workload independently and efficiently

+ Sound business and legal judgment

Preferred

+ Background in or general understanding of investigations, fraud investigations, accounting principles, human resources, and/or EEO laws (Title VII, ADA, ADEA) is a plus. Submission of a writing sample is encouraged.

+ Experience with publicly-traded company and/or in technology or telecommunications industry

**Compensation**

This information reflects the anticipated base salary range for this position based on current national data. Minimums and maximums may vary based on location. Individual pay is based on skills, experience and other relevant factors.

Location Based Pay Ranges

$82,969 - $110,625 in these states: AL AR AZ FL GA IA ID IN KS KY LA ME MO MS MT ND NE NM OH OK PA SC SD TN UT VT WI WV WY

$87,117 - $116,156 in these states: CO HI MI MN NC NH NV OR RI

$91,266 - $121,688 in these states: AK CA CT DC DE IL MA MD NJ NY TX VA WA

Lumen offers a comprehensive package featuring a broad range of Health, Life, Voluntary Lifestyle benefits and other perks that enhance your physical, mental, emotional and financial wellbeing. We're able to answer any additional questions you may have about our bonus structure (short-term incentives, long-term incentives and/or sales compensation) as you move through the selection process.

Learn more about Lumen's:

Benefits (https://www.lumenbenefits.com/httpdocs2/index.html)

Bonus Structure

Requisition #: 335815

**Background Screening**

If you are selected for a position, there will be a background screen, which may include checks for criminal records and/or motor vehicle reports and/or drug screening, depending on the position requirements. For more information on these checks, please refer to the Post Offer section of our FAQ page (https://jobs.lumen.com/global/en/faq) . Job-related concerns identified during the background screening may disqualify you from the new position or your current role. Background results will be evaluated on a case-by-case basis.

Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.

**Equal Employment Opportunities**

We are committed to providing equal employment opportunities to all persons regardless of race, color, ancestry, citizenship, national origin, religion, veteran status, disability, genetic characteristic or information, age, gender, sexual orientation, gender identity, gender expression, marital status, family status, pregnancy, or other legally protected status (collectively, “protected statuses”). We do not tolerate unlawful discrimination in any employment decisions, including recruiting, hiring, compensation, promotion, benefits, discipline, termination, job assignments or training.

**Disclaimer**

The job responsibilities described above indicate the general nature and level of work performed by employees within this classification. It is not intended to include a comprehensive inventory of all duties and responsibilities for this job. Job duties and responsibilities are subject to change based on evolving business needs and conditions.

In any materials you submit, you may redact or remove age-identifying information such as age, date of birth, or dates of school attendance or graduation. You will not be penalized for redacting or removing this information.

Please be advised that Lumen does not require any form of payment from job applicants during the recruitment process. All legitimate job openings will be posted on our official website or communicated through official company email addresses. If you encounter any job offers that request payment in exchange for employment at Lumen, they are not for employment with us, but may relate to another company with a similar name.

**Application Deadline**

01/23/2025

Consumer Product Strategy Analyst III - Digital Fraud Strategies Analyst

Charlotte, North Carolina;Belfast, Maine; Plano, Texas; Richmond, Virginia; New York, New York; Boston, Massachusetts; Chicago, Illinois; Kennesaw, Georgia; Phoenix, Arizona

**Job Description:**

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities and shareholders every day.

One of the keys to driving Responsible Growth is being a great place to work for our teammates around the world. We’re devoted to being a diverse and inclusive workplace for everyone. We hire individuals with a broad range of backgrounds and experiences and invest heavily in our teammates and their families by offering competitive benefits to support their physical, emotional, and financial well-being.

Bank of America believes both in the importance of working together and offering flexibility to our employees. We use a multi-faceted approach for flexibility, depending on the various roles in our organization.

Working at Bank of America will give you a great career with opportunities to learn, grow and make an impact, along with the power to make a difference. Join us!

**Job Description:**

This job is responsible for performing more complex analysis and modeling to minimize loss exposure and negative impacts to the customer experience. Key responsibilities include utilizing a variety of systems such as Excel, SAS, SQL, Tableau, and other relational data bases to provide analytical support on strategies, ensure goals are met, and propose policy and procedural changes within segmentation structures to produce optimal results. Job expectations include evaluating data to assess potential fraud risk and create mitigation strategies.

**Responsibilities:**

+ Recommends ways to help the business achieve desired outcomes and make informed business decisions using data analysis outputs

+ Performs complex analysis of financial models, market data, financial data, and portfolio trends to understand product performance and improve portfolio risk, profitability, performance forecasting, and operational performance

+ Leads coordination of the production of product performance reports and updates for senior management

LOB Job Description:

As a Client Protection Fraud Strategy Analyst, you will capitalize on your technical abilities and strategic thinking to solve business challenges and seek opportunities for improvement. The Digital Fraud team focuses on identifying criminals posing as customers who are intentionally trying to steal from the bank and deceive clients. You will join a team of fraud professionals who are dedicated to stopping criminals and protecting customers from both fraud, scams and money mule activity. In the role you will spend time analyzing difficult problems to effectively manage an evolving fraud attack environment. You will develop complex defenses designed to minimize the impact to good customers while maximizing fraud loss avoidance. You will work across multiple partner organizations and represent our team as a subject matter expert. We are looking for someone with strong communication skills, sound business judgement, and is results oriented with a track record of thriving in a fast paced entrepreneurial environment.

Responsible for performing more complex analysis and strategy development for multiple money movement products with the goal of maximizing profits and asset growth and minimizing risk and operating losses and/or other financial and marketing exposures. Other responsibilities include:

∙ Develops complex program models to extract data and uses multiple databases to acquire statistical and financial data.

∙ Support biometrics capability enhancements and strategy design

∙ Build and develop logic for strategy

∙ Utilizes portfolio trends to propose strategy and policy changes within segmentation structure to produce optimal results.

∙ Role would also include project scope leadership where candidate would be responsible for providing fraud requirements, testing, and development of strategies

∙ Excels at risk/reward trade off.

∙ Participates in the rollout of leading-edge machine learning technology

∙ Duties primarily include the regular use of discretion, independent judgment, the ability to communicate with multiple levels of management and the utilization of core leadership behaviors.

**Required Qualifications:**

▪ 3+ years of fraud experience and/or 2+ years of analytical experience (Payment card /Retail Bank background preferred)

▪ Proficient in SAS/SQL and Excel

▪ Strong quantitative, critical thinking, and analytical skills

▪ Ability to communicate and interact with a high degree of professionalism with executive level personnel across the business

▪ Ability to work independently as well as part of a virtual team

▪ Innovative mindset with the ability to challenge the status quo

▪ Ability to proactively identify, analyze, and improve upon existing processes for optimization and to meet deadlines

**Desired Qualifications:**

▪ Bachelors degree in a quantitative discipline such as mathematics, statistics, operations research, finance, or business

▪ Advanced analytical and quantitative skills with demonstrated ability in using data and metrics to identify root causes

▪ Basic understanding of 1st and 3rd party fraud (claims to charge-off timing, chargeback recovery rights, etc.)

▪ Proven strong analytical and communication skills

**Skills:**

+ Business Analytics

+ Business Intelligence

+ Data Quality Management

+ Fraud Management

+ Monitoring, Surveillance, and Testing

+ Collaboration

+ Data Visualization

+ Oral Communications

+ Problem Solving

+ Written Communications

+ Analytical Thinking

+ Critical Thinking

+ Data and Trend Analysis

+ Innovative Thinking

+ Research

**Shift:**

1st shift (United States of America)

**Hours Per Week:**

40

Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity and affirmative action, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates.

To view the "EEO is the Law" poster, CLICK HERE (https://www.dol.gov/ofccp/regs/compliance/posters/pdf/eeopost.pdf) .

To view the "EEO is the Law" Supplement, CLICK HERE (https://www.dol.gov/ofccp/regs/compliance/posters/pdf/OFCCP\_EEO\_Supplement\_Final\_JRF\_QA\_508c.pdf) .

View the LA County Fair Chance Ordinance (https://dcba.lacounty.gov/wp-content/uploads/2024/08/FCOE-Official-Notice-Eng-Final-8.30.2024.pdf) .

Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy (“Policy”) establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment.

To view Bank of America’s Drug-free Workplace and Alcohol Policy, CLICK HERE .

This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.

Consumer Product Strategy Analyst III - Specialty Fraud Strategy Analysis & Reporting

Phoenix, Arizona;Jacksonville, Florida; Charlotte, North Carolina; Newark, Delaware

**Job Description:**

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities and shareholders every day.

One of the keys to driving Responsible Growth is being a great place to work for our teammates around the world. We’re devoted to being a diverse and inclusive workplace for everyone. We hire individuals with a broad range of backgrounds and experiences and invest heavily in our teammates and their families by offering competitive benefits to support their physical, emotional, and financial well-being.

Bank of America believes both in the importance of working together and offering flexibility to our employees. We use a multi-faceted approach for flexibility, depending on the various roles in our organization.

Working at Bank of America will give you a great career with opportunities to learn, grow and make an impact, along with the power to make a difference. Join us!

**Job Description:**

This job is responsible for performing more complex analysis and modeling to minimize loss exposure and negative impacts to the customer experience. Key responsibilities include utilizing a variety of systems such as Excel, SAS, SQL, Tableau, and other relational data bases to provide analytical support on strategies, ensure goals are met, and propose policy and procedural changes within segmentation structures to produce optimal results. Job expectations include evaluating data to assess potential fraud risk and create mitigation strategies.

**Responsibilities:**

+ Recommends ways to help the business achieve desired outcomes and make informed business decisions using data analysis outputs

+ Performs complex analysis of financial models, market data, financial data, and portfolio trends to understand product performance and improve portfolio risk, profitability, performance forecasting, and operational performance

+ Leads coordination of the production of product performance reports and updates for senior management

LOB Description

Client Protection is looking for an experienced analyst to join the Specialty Fraud strategy team. This is an exciting opportunity given the constantly evolving nature of fraud tactics across a diverse suite of products including Home Loans, Vehicle Lending, Small Business Loans, Health Savings Accounts, Reward Point redemptions and Mass Compromise. As a Fraud Strategy Analyst with the Client Protection organization, you will capitalize on technical abilities and strategic thinking to solve business challenges and seek opportunities for improvement. You will join a team of fraud professionals who are dedicated to stopping criminals and protecting customers. In the role you will spend time analyzing difficult problems as we try to stay one step ahead of thefraudsters. You will develop complex defenses designed to minimize the impact to good customers while maximizing fraud loss avoidance. You will work across multiple partner organizations and represent our team as a subject matter expert. We are looking for someone with strong communication skills, sound business judgement, results oriented with a track record of thriving in a fast-paced entrepreneurialenvironment. This role offers a unique opportunity to drive transformation of fraud capabilities across a variety of Consumer and Small Business products.

The role will be responsible for several key areas:

+ Develop and implement robust fraud surveillance and controls across the Specialty product suite

+ Provide recommendations on mitigation efforts, ensuring monitors are in place, and will self-create initiatives as needed.

+ Collaborate with cross-functional teams to integrate fraud detection measures into existing systems and processes.

+ Stay abreast of industry trends, emerging threats, and technological advancements to continuously enhance fraud prevention methodologies.

+ Analyze data and conduct investigations to identify patterns, trends, and anomalies indicative of potential fraud.

+ Identifying new sources of data (internal or vendor-provided) that can enrich our existing detection processes, be added to our decision systems, and allow for new detection strategies to be developed. Will require close coordination with partners in Fraud Technology.

+ Ensuring proper risk controls are deployed, while adhering to best practices.

+ Design and monitor key fraud metrics and KPIs to evaluate the effectiveness of fraud prevention.

+ Monitor Strategy performance and Optimization of existing detection strategies to determine areas where rules can be adjusted to decline fewer false positives and improve the ROI and overall performance of our fraud strategies.

+ Policy and Strategy Development: Stay updated with the latest fraud trends, regulatory requirements, and best practices. Lead the creation and refinement of fraud detection and prevention strategies.

**Required Qualifications:**

▪ 3+ years of fraud experience and/or 3+ years of analytical experience (Mortgage/HELOC / CVL background preferred)

▪ 5+ years of SQL and / or SAS .

▪ 5+ years of ETL experience

▪ Strong analytical and critical thinking skills

▪ Ability to communicate and interact with a high degree of professionalism with business partners across the business

▪ Ability to work independently as well as part of a virtual team

▪ Innovative mindset with the ability to challenge the status quo

▪ Ability to proactively identify, analyze, and improve upon existing processes for optimization and to meet deadlines

▪ Proven strong analytical and communication skills

▪ Experience interpreting data and tailoring views to different audiences

**Desired Qualifications:**

▪ Bachelors degree in a quantitative discipline such as technology, finance, or business

▪ Advanced analytical and quantitative skills with demonstrated ability in using data and metrics to identify root causes

▪ 3+ years of Tableau

▪ Experience with underwriting practices for consumer and small business products

**Skills:**

+ Business Analytics

+ Business Intelligence

+ Data Quality Management

+ Fraud Management

+ Monitoring, Surveillance, and Testing

+ Collaboration

+ Data Visualization

+ Oral Communications

+ Problem Solving

+ Written Communications

+ Analytical Thinking

+ Critical Thinking

+ Data and Trend Analysis

+ Innovative Thinking

+ Research

**Shift:**

1st shift (United States of America)

**Hours Per Week:**

40

Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity and affirmative action, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates.

To view the "EEO is the Law" poster, CLICK HERE (https://www.dol.gov/ofccp/regs/compliance/posters/pdf/eeopost.pdf) .

To view the "EEO is the Law" Supplement, CLICK HERE (https://www.dol.gov/ofccp/regs/compliance/posters/pdf/OFCCP\_EEO\_Supplement\_Final\_JRF\_QA\_508c.pdf) .

View the LA County Fair Chance Ordinance (https://dcba.lacounty.gov/wp-content/uploads/2024/08/FCOE-Official-Notice-Eng-Final-8.30.2024.pdf) .

Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy (“Policy”) establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment.

To view Bank of America’s Drug-free Workplace and Alcohol Policy, CLICK HERE .

This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.

**Why Wells Fargo:**

This is where your true career begins. We ranked #2 on the 2023 LinkedIn Top Companies list – and #1 among financial services companies – as the best workplace “to grow your career” in the U.S. At Wells Fargo, we support employees’ career aspirations and growth. We’re proud of our employee-welfare-centered business approach and our commitment to diversity, equity, and inclusion in the workplace.

We offer competitive salaries and one of the richest benefits packages in the industry. Our Total Rewards program focuses on wellness, work-life balance and the financial health of our employees. Our customers invest with us, we invest in you. Apply today.

**About this role:**

Wells Fargo is seeking a Lead Investigator for Significant Internal Investigations in Sales Practice and Conduct Management.

We manage allegations of misconduct effectively when they arise, we reduce employee misconduct by sharing allegation insights with our business partners, and we demonstrate understanding and empathy for the employees that we serve.

Learn more about the career areas and lines of business at wellsfargojobs.com (https://www.wellsfargojobs.com/career-areas/)

**In this role, you will:**

+ Lead complex initiatives with broad impact and act as a key participant in investigations

+ Independently leads investigations with high risk or complexity

+ Gather comprehensive evidentiary materials on cases with moderate to high risk or complexity related to individual allegations

+ Mentor, train, consult, and provide risk based investigative products and services to all lines of business

+ Conduct forensic accounting, assist with computer crime investigations, and investigate breeches of information security policies

+ Serve as the lead on high profile complex investigations with significant exposure to client management

+ Execute investigations with moderate to high risk and complexity

+ Make risk-based decisions in compliance with company, legal and regulatory requirements, and recommend actions in response to investigations

+ Act as a primary investigator on high profile or complex cases

+ Mentor and provide guidance to less experienced staff

+ Function under a moderate degree of guidance and supervision

+ Lead projects and initiatives with significant exposure to the bank

+ Lead investigations with high risk or complexity related to business process, procedure, and policy

+ Provide second level review and assessment of decisions made by those with less experience

+ Consult with peers, colleagues and mid-level to more experienced managers regarding conflicts of interest, allegations, Wells Fargo Code of Ethics, and business conduct related policies on allegations

+ Collaborate with Employee Relations, legal, business management, and other resources to offer employment decisions recommendations based on investigation results

+ Serve as the primary client contact on assigned casework

**Required Qualifications:**

+ 5+ years of Investigations experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

**Desired Qualifications:**

+ 5+ years of Internal Investigations experience

+ Experience with investigative interviewing of senior leaders and executives (on camera/Teams)

+ Extensive knowledge and experience in Accounting, Internal Auditing and Financial Reporting

+ Ability to communicate effectively, in both written and verbal formats with senior executive-level leaders

+ Ability to research, trend, and analyze data and then summarize the findings of complex investigations and internal fraud concerns

+ Ability to prioritize work, meet deadlines, achieve goals, and work under pressure in a dynamic and complex environment

+ Ability to manage multiple small to medium sized projects simultaneously

+ Experience consulting on Wells Fargo policies and procedures

+ Experience using a case management system

+ Ability to research, trend, and analyze data

+ Ability to meet stringent deadlines

**Job Expectations:**

This position is not eligible for Visa sponsorship

This position offers a hybrid work schedule

**Posting Location:**

1525 W WT Harris Blvd, Charlotte NC

300 HIGHWAY 169 S, Minneapolis, MN

2600 S Price Rd, Bldg. B, Chandler AZ

800 S Jordan Creek Pkwy West Des Moines, IA

The Chief Operating Office adheres to a location strategy; therefore, your candidacy may be determined based on your current location. Remote work locations are not available for these roles, so if you are not in a location listed on the posting, you must commit to relocation within an agreed upon timeframe.

**Pay Range**

Reflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to achievements, skills, experience, or work location. The range listed is just one component of the compensation package offered to candidates.

$84,000.00 - $149,400.00

**Benefits**

Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below. Visit Benefits - Wells Fargo Jobs (https://www.wellsfargojobs.com/en/life-at-wells-fargo/benefits) for an overview of the following benefit plans and programs offered to employees.

+ Health benefits

+ 401(k) Plan

+ Paid time off

+ Disability benefits

+ Life insurance, critical illness insurance, and accident insurance

+ Parental leave

+ Critical caregiving leave

+ Discounts and savings

+ Commuter benefits

+ Tuition reimbursement

+ Scholarships for dependent children

+ Adoption reimbursement

**Posting End Date:**

24 Jan 2025

***** **_Job posting may come down early due to volume of applicants._**

**We Value Diversity**

At Wells Fargo, we believe in diversity, equity and inclusion in the workplace; accordingly, we welcome applications for employment from all qualified candidates, regardless of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, individuals with disabilities, pregnancy, marital status, status as a protected veteran or any other status protected by applicable law.

Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit’s risk appetite and all risk and compliance program requirements.

Candidates applying to job openings posted in US: All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic.

**Applicants with Disabilities**

To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo (https://www.wellsfargojobs.com/en/diversity/disability-inclusion/) .

**Drug and Alcohol Policy**

Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy (https://www.wellsfargojobs.com/en/wells-fargo-drug-and-alcohol-policy) to learn more.

**Wells Fargo Recruitment and Hiring Requirements:**

a. Third-Party recordings are prohibited unless authorized by Wells Fargo.

b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.

**Req Number:** R-422245

**Why USAA?**

Let’s do something that really matters.

At USAA, we have an important mission: facilitating the financial security of millions of U.S. military members and their families. Not all our employees served in our nation’s military, but we all share in the mission to give back to those who did. We’re working as one to build a great experience and make a real impact for our members.

We believe in our core values of honesty, integrity, loyalty, and service. They’re what guides everything we do – from how we treat our members to how we treat each other. Come be a part of what makes us so special!

As a dedicated Manager, Bank Disputes Investigations & Recovery, you will directly manage teams responsible for protecting the financial interests of USAA and our members by thoroughly investigating and resolving complex and moderately complex fraud and non-fraud transactional disputes filed by members on their credit cards, debit cards and deposit accounts in compliance with federal and state Laws, Rules, and Regulations (LRRs). Attempts to recover funds in accordance with payment association rules (Visa, Amex, NACHA, Zelle, etc.). Operates in a highly regulated environment where performance is measured by quality and efficiency metrics aligned to business scorecards. Fosters collaboration and leads Disputes employees and teams to achieve a shared member service vision.

We offer a flexible work environment that requires an individual to be in the office 4 days per week. This position can be based in one of the following locations: San Antonio, TX, Phoenix, AZ, or Tampa, FL.

Relocation assistance is not available for this position.

**The Opportunity**

+ Leads a team of Disputes Specialists responsible for researching and investigating complex and moderately complex Fraud or Non-Fraud Credit Card, Debit Card, or Deposit transactional disputes; ensures investigations into these disputes are conducted efficiently and accurately.

+ Drives performance through the management of operational scorecards which includes open adherence, production, quality, complaints, and loss mitigation metrics.

+ Effectively researches, analyzes, and intensifies concerns to Disputes Leadership.

+ Establishes and maintains positive relationships with Disputes Leadership and Business Partners including Legal and Compliance.

+ Makes operational improvement recommendations based on knowledge and expertise of the disputes' lifecycle.

+ Maintains knowledge of relevant regulatory environment to ensure compliance across area of responsibility and identifies potential vulnerabilities in the bank’s dispute resolution process.

+ Fulfills requests for documentation or conducts walkthroughs for internal and external audit and regulatory examinations.

+ Builds and manages a high performing team through hiring activities, mentoring, training, coaching, and development of direct reports.

+ Ensures risks associated with business activities are effectively identified, measured, supervised, and controlled in accordance with risk and compliance policies and procedures.

**What you have:**

+ Bachelor’s degree; OR 4 years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree.

+ 6 years of related experience in bank operations to include program/project management, process improvement, or business analysis.

+ 3 years of operational risk experience in a highly regulatory environment.

+ 2 years of direct team lead or management experience providing coaching, development and/or leadership in a team-oriented environment.

+ Sophisticated experience handling customer complaints and disputes related to Deposit or Credit Card accounts.

+ Demonstrated ability to develop and maintain strong relationships with Disputes Leadership and Business Partners including Legal and Compliance.

+ Knowledge of Federal Banking Regulations to include Regulation E, Regulation Z and/or UDAAP.

**What sets you apart:**

+ US military experience through military service or a military spouse/domestic partner

+ 3-5 years of direct experience handling Reg E and/or Reg Z fraud or non-fraud disputes.

+ Strong leadership, influential and communication skills.

+ Experience managing staff within a highly sophisticated, detail oriented, and fast paced environment.

+ Detailed knowledge of Reg E and Reg Z regulations and associated requirement.

+ Demonstrated ability to collaborate across multiple teams and functions.

The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job.

**What we offer:**

**Compensation:** USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. The salary range for this position is: **$85,040 - $153,080.**

Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.

**Benefits:** At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals.

For more details on our outstanding benefits, please visit our benefits page on USAAjobs.com.

_Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting._

_USAA is an equal opportunity and affirmative action employer and gives consideration for employment to qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity or expression, pregnancy, national origin, age, disability, genetic information, protected veteran status, or any other legally protected characteristic._

**If you are an existing USAA employee, please use the internal career site in OneSource to apply.**

**Please do not type your first and last name in all caps.**

**_Find your purpose. Join our mission._**

USAA is unlike any other financial services organization. The mission of the association is to facilitate the financial security of its members, associates and their families through provision of a full range of highly competitive financial products and services; in so doing, USAA seeks to be the provider of choice for the military community. We do this by upholding the highest standards and ensuring that our corporate business activities and individual employee conduct reflect good judgment and common sense, and are consistent with our core values of service, loyalty, honesty and integrity.

USAA attributes its long-standing success to its most valuable resource: our 35,000 employees. They are the heart and soul of our member-service culture. When you join us, you'll become part of a thriving community committed to going above for those who have gone beyond: the men and women of the U.S. military, their associates and their families. In order to play a role on our team, you don't have to be connected to the military yourself – you just need to share our passion for serving our more than 13 million members.

USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.

California applicants, please review our HR CCPA - Notice at Collection (https://statmcstg.usaa.com/mcontent/static\_assets/Media/enterprise\_hr\_cpra\_notice\_at\_collection.pdf) here.

USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.

**Why USAA?**

Let’s do something that really matters.

At USAA, we have an important mission: facilitating the financial security of millions of U.S. military members and their families. Not all our employees served in our nation’s military, but we all share in the mission to give back to those who did. We’re working as one to build a great experience and make a real impact for our members.

We believe in our core values of honesty, integrity, loyalty, and service. They’re what guides everything we do – from how we treat our members to how we treat each other. Come be a part of what makes us so special!

This position can work remotely in the continental U.S. with occasional business travel.

**The Opportunity**

As a dedicated Fraud Governance Advisor Senior, you will promote risk and compliance-awareness and the overall effectiveness of risk and compliance management programs, risk analytics and operations in the Financial Crimes Organization. You will partner and collaborate with Compliance and Risk Management, as well as Business Operations, IT, Audit Services, and Legal to support risk and compliance-based initiatives. You will be responsible for supporting business leader adherence to the established risk framework to ensure documents, programs, processes, procedures and product initiatives align with regulatory, legal requirements, and fraud policies and standards; including process, risk and control inventory (PRCI), risk and control self-assessments (RCSA), identification and evaluation of control effectiveness, identifying control failures, facilitating risk and compliance remediation, and monitoring of the first line of defense to minimize risk exposures and strengthen the overall control environment. You will manage risk assessment data and use critical thinking to identify key data-driven insights tied to first line of defense.

**What you'll do:**

+ Guides and facilitates cross-functional team members in the implementation, management, and oversight of fraud risk management workstreams, projects and solutions.

+ Applies subject matter expertise of fraud risk management requirements, policies, laws, and regulations to influence business strategies and solutions and advise the business on how to strengthen and lead fraud risk requirements on business action plans, projects, or operational requests.

+ Contributes to the execution of risk assessments with business partners and the lines of business to resolve impact and solutions.

+ Identifies operational inefficiencies and emerging fraud management risks, compliance, and control issues in the operating environment, concurrent with implementing action plans to mitigate business impact.

+ Provides guidance to functional areas within Enterprise Fraud Management on regulatory requirements and requests to ensure proper execution of conduct examinations.

+ Leads and responds to regulatory requirements and requests and ensures the execution of conduct examinations.

+ Periodically briefs executive management on enterprise projects and initiatives that may impact fraud risk.

+ Serves as a mentor to peers and team members for assigned area of responsibility.

+ Develops and executes training plans tied to fraud risk management through understanding of regulatory and industry trends.

+ Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

**What you have:**

+ Bachelor’s Degree OR 4 years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree.

+ 6 years of operations experience in a relevant functional area to include financial services, Fraud, AML, compliance, risk, audit, third party risk management or other related operational areas that support fraud risk management initiatives within the business.

+ 4 years of fraud, compliance, risk, audit, or regulatory related experience with accountability for projects, programs, processes, or policies.

+ Proven knowledge of relevant laws, regulatory, compliance, industry regulations and regulatory data sources.

+ Demonstrated analytical, organizational, and problem-solving abilities requiring a high attention to detail to identify fraud risks and trends.

+ Strong communication skills with the ability to collaborate and execute among cross-functional teams, including all levels of the organization and with external regulatory agencies.

+ Knowledge of federal laws, rules, and regulations, to include: PCI, REG CC, REG E, UCC, FCRA, BSA/AML, Elder Financial Exploitation guidance, OCC Fraud Risk Management 2019-37.

**What sets you apart:**

+ Experience working with highly complex regulatory matters.

+ Experience with PRCI/RCSA for Financial Crimes.

+ Knowledge of federal laws, state laws, rules, regulations, and applicable guidance, to include: UDAAP, FCRA/Reg V, TILA/Reg Z, BSA/AML, EFTA/Reg E, Reg CC, OCC Heightened Standards, and state laws applicable to the fraud organization.

+ Strong communication skills with proven ability to deliver presentations and communicate information in a way that is easily understood by varying audiences.

+ Ability to think creatively and help champion a culture of passionate member service, process excellence, and risk management.

+ US military experience through military service or a military spouse/domestic partner

The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job.

**What we offer:**

**Compensation:** USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. The salary range for this position is: $89,990-$172,000 **.**

Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.

**Benefits:** At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals.

For more details on our outstanding benefits, please visit our benefits page on USAAjobs.com.

_Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting._

_USAA is an equal opportunity and affirmative action employer and gives consideration for employment to qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity or expression, pregnancy, national origin, age, disability, genetic information, protected veteran status, or any other legally protected characteristic._

**If you are an existing USAA employee, please use the internal career site in OneSource to apply.**

**Please do not type your first and last name in all caps.**

**_Find your purpose. Join our mission._**

USAA is unlike any other financial services organization. The mission of the association is to facilitate the financial security of its members, associates and their families through provision of a full range of highly competitive financial products and services; in so doing, USAA seeks to be the provider of choice for the military community. We do this by upholding the highest standards and ensuring that our corporate business activities and individual employee conduct reflect good judgment and common sense, and are consistent with our core values of service, loyalty, honesty and integrity.

USAA attributes its long-standing success to its most valuable resource: our 35,000 employees. They are the heart and soul of our member-service culture. When you join us, you'll become part of a thriving community committed to going above for those who have gone beyond: the men and women of the U.S. military, their associates and their families. In order to play a role on our team, you don't have to be connected to the military yourself – you just need to share our passion for serving our more than 13 million members.

USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.

California applicants, please review our HR CCPA - Notice at Collection (https://statmcstg.usaa.com/mcontent/static\_assets/Media/enterprise\_hr\_cpra\_notice\_at\_collection.pdf) here.

USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.

**Why USAA?**

Let’s do something that really matters.

At USAA, we have an important mission: facilitating the financial security of millions of U.S. military members and their families. Not all of our employees served in our nation’s military, but we all share in the mission to give back to those who did. We’re working as one to build a great experience and make a real impact for our members.

We believe in our core values of honesty, integrity, loyalty and service. They’re what guides everything we do – from how we treat our members to how we treat each other. Come be a part of what makes us so special!

**The Opportunity**

**The Opportunity**

As a dedicated Senior Internal Fraud Investigator, you will conduct complex and high priority investigations of internal fraud within the USAA Federal Savings Bank. The Senior Internal Fraud Investigator will also provide written and/or oral briefings of high-profile cases to management and/or members of the Executive Management group as well as engage with law enforcement when applicable.

**This position can work remotely in the continental U.S. with occasional business travel.**

**What you'll do:**

+ Provides fraud investigation subject matter expertise through review and update of processes, procedures, analysis of trends, quality review of the team's work and communication of results to management.

+ Guides and facilitates team in the development and implementation of key initiatives in fraud investigations.

+ Onboards new investigators and serves as a resource to team members on escalated issues and manages the team’s workload.

+ Conducts larger fraud investigations of a complex nature of suspected or known criminal activity.

+ Conducts interviews, analyzes transaction data and reviews monetary and non-monetary fraud transaction data to detect fraudulent or unusual patterns and trends in support of the investigative process.

+ Performs thorough analysis of evidence; assesses veracity of information compiled to include documentary materials, and results of interviews to develop investigative conclusions.

+ Utilizes expert knowledge of the Bank Secrecy Act, USA Patriot Act, applicable laws and regulations, company policies, and best practices in the investigative field to organize investigative results.

+ Prepares cases for criminal prosecution and presents evidence to appropriate law enforcement agencies for prosecution.

+ Prepares Suspicious Activity Reports (SAR) in compliance with established regulatory guidelines and time frames.

+ Utilizes expert product and system knowledge within USAA’s Bank to conduct investigations.

+ Serves as a liaison with law enforcement agencies and other institutions to ensure USAA is informed of all relevant potential risks.

+ Serves as a Bank Custodian to provide testimony in criminal and civil proceedings to the grand jury and/or trial courts as well as files necessary regulatory reports.

+ Identifies and resolves issues; identifies appropriate issues for escalation such as fraudulent trends, vulnerabilities causing increased fraudulent activity and/or larger than normal losses.

+ Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

**What you have:**

+ Bachelor’s Degree; OR 4 years of related financial services or federal, state, local, or military law enforcement investigations experience (in addition to the minimum years of experience required) may be substituted in lieu of degree.

+ 6 years of experience in financial services, or financial crimes experience to include 3 years of federal/local/state/military investigations.

+ Expert knowledge of the Bank Secrecy Act, USA Patriot Act, and other applicable laws and regulations.

+ Proficient in Microsoft Office.

+ Previous experience with coaching and providing feedback to others.

+ Excellent oral and written communication skills.

+ Advanced experience analyzing and interpreting data to identify trends and patterns.

**What sets you apart:**

+ Experience performing complex investigations and root cause analysis.

+ Expert in all consumer banking products and services.

+ Experience providing case briefings to all levels of leadership and external law enforcement agencies.

+ Prior experience conducting analysis on external fraud events for potential insider fraud.

+ Certified Fraud Examiner, Certified Anti-Money Laundering Specialist, or other Financial Crimes certifications.

+ U.S. military experience through military service or a military spouse/domestic partner.

The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job.

**What we offer:**

**Compensation:** USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. The salary range for this position is: $85,040 - $162,550.

Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.

**Benefits:** At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals.

For more details on our outstanding benefits, please visit our benefits page on USAAjobs.com.

_Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting._

_USAA is an equal opportunity and affirmative action employer and gives consideration for employment to qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity or expression, pregnancy, national origin, age, disability, genetic information, protected veteran status, or any other legally protected characteristic._

**If you are an existing USAA employee, please use the internal career site in OneSource to apply.**

**Please do not type your first and last name in all caps.**

**_Find your purpose. Join our mission._**

USAA is unlike any other financial services organization. The mission of the association is to facilitate the financial security of its members, associates and their families through provision of a full range of highly competitive financial products and services; in so doing, USAA seeks to be the provider of choice for the military community. We do this by upholding the highest standards and ensuring that our corporate business activities and individual employee conduct reflect good judgment and common sense, and are consistent with our core values of service, loyalty, honesty and integrity.

USAA attributes its long-standing success to its most valuable resource: our 35,000 employees. They are the heart and soul of our member-service culture. When you join us, you'll become part of a thriving community committed to going above for those who have gone beyond: the men and women of the U.S. military, their associates and their families. In order to play a role on our team, you don't have to be connected to the military yourself – you just need to share our passion for serving our more than 13 million members.

USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.

California applicants, please review our HR CCPA - Notice at Collection (https://statmcstg.usaa.com/mcontent/static\_assets/Media/enterprise\_hr\_cpra\_notice\_at\_collection.pdf) here.

USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.

**About the Role**

The Global Public Safety Response Team (PSRT) consists of highly motivated professionals who are responsible for providing data to law enforcement and public safety agencies. PSRT delivers seamless, globally aligned operations and decision-making to 'drive community safety, safeguard our data and deliver actionable insights'.

The Data Escalations and Investigations Lead is responsible for providing enhanced technical support to specialists responding to complex data requests. They will play a role in overseeing training and driving growth and development of data investigations within the Americas Team.

**What You'll Do:**

+ Respond to data escalations from specialists, answering complex data questions and providing technical support to the Americas PSRT members

+ Identify and assess new data sources and investigative techniques that can be shared with the team

+ Assist with the development and delivering of training to Americas Public Safety members, both the Response Team and the Liaison team

+ Make timely decisions on data to be released to law enforcement

**Basic Qualifications:**

+ A minimum of 4+ years in trust & safety, investigations, and/or intelligence analysis roles

+ Strong data analysis skills with at least an intermediate ability in SQL

**Preferred Qualifications:**

+ Technical investigations experience with an ability to extract data and use technology to support an investigation

+ Ability to make decisions based on limited information

+ Previous experience with adult training and development is a plus

+ Work independently with minimal direct supervision

+ Advanced degree in criminology, cybercrime, and/or data analytics, is preferred

+ Ability to gain/maintain a US security clearance

For Dallas, TX-based roles: The base salary range for this role is USD$99,000 per year - USD$110,500 per year. For Phoenix, AZ-based roles: The base salary range for this role is USD$88,000 per year - USD$98,000 per year. For San Francisco, CA-based roles: The base salary range for this role is USD$110,000 per year - USD$122,500 per year. For Seattle, WA-based roles: The base salary range for this role is USD$99,000 per year - USD$110,500 per year. For Washington, DC-based roles: The base salary range for this role is USD$110,000 per year - USD$122,500 per year. For all US locations, you will be eligible to participate in Uber's bonus program, and may be offered an equity award & other types of comp. You will also be eligible for various benefits. More details can be found at the following link https://www.uber.com/careers/benefits.

Uber is proud to be an Equal Opportunity/Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to sex, gender identity, sexual orientation, race, color, religion, national origin, disability, protected Veteran status, age, or any other characteristic protected by law. We also consider qualified applicants regardless of criminal histories, consistent with legal requirements. If you have a disability or special need that requires accommodation, please let us know by completing this form- https://docs.google.com/forms/d/e/1FAIpQLSdb_Y9Bv8-lWDMbpidF2GKXsxzNh11wUUVS7fM1znOfEJsVeA/viewform