Fraud Examiners, Investigators and Analysts

**Why USAA?**

At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families.

Embrace a fulfilling career at USAA, where our core values – honesty, integrity, loyalty and service – define how we treat each other and our members. Be part of what truly makes us special and impactful.

**The Opportunity**

As a dedicated Fraud Investigator II, you will conduct internal or external fraud investigations and files regulatory reports according to legal requirements while ensuring adherence to all applicable deadlines. Completes interviews with internal and external parties. Performs mitigation and remediation activities while utilizing multiple applications and platforms in support of fraud operation activities to alleviate any potential negative impact to members and/or the organization.

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, Plano, TX, Phoenix, AZ, Charlotte, NC, Tampa, FL or Colorado Springs, CO.

Relocation assistance is **not** available for this position.

**What you'll do:**

+ Conducts less complex fraud investigations of suspected or known criminal activity, which includes cases of less severity, cases with less member accounts and transactions, or limited to one fraud type.

+ Reviews monetary and non-monetary fraud transactions, conducts interviews, and analyzes 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 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, obtains and preserves evidence, and presents evidence to appropriate law enforcement agencies for prosecution.

+ May provide testimony to the grand jury and trial courts and file regulatory reports as necessary.

+ Identifies and partners with tenured Investigators to resolve issues; identifies appropriate issues for escalation such as fraudulent trends, vulnerabilities causing increased fraudulent activity and/or larger than normal losses.

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

+ 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.

+ 2 years of experience in financial services, investment or financial crimes.

+ Basic understanding of the Bank Secrecy Act, USA Patriot Act, and other applicable laws and regulations.

+ Intermediate knowledge of Microsoft Office.

+ Strong oral and written communication skills.

+ Strong analytical experience.

**What sets you apart:**

+ 1+ years of experience with Suspicious Activity Reports (SAR).

+ Previous/Current experience with SaFire and ECAMS.

+ Federal, State, or Local Law Enforcement experience.

+ Certified Fraud Examiner (CFE).

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

**Compensation range:** The salary range for this position is: $63,590 - $121,530 **.**

**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.

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

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.

**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, 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 Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran._

**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.

**Become a part of our caring community and help us put health first**

The Senior Fraud and Waste Professional conducts investigations of allegations of fraudulent and abusive practices. The Senior Fraud and Waste Professional work assignments involve moderately complex to complex issues where the analysis of situations or data requires an in-depth evaluation of variable factors.

The Senior Fraud and Waste Professional coordinates investigation with law enforcement authorities. Assembles evidence and documentation to support successful adjudication, where appropriate. Conducts on-site audits of provider records ensuring appropriateness of billing practices. Prepares complex investigative and audit reports. Begins to influence department’s strategy. Makes decisions on moderately complex to complex issues regarding technical approach for project components, and work is performed without direction. Exercises considerable latitude in determining objectives and approaches to assignments.

**Use your skills to make an impact**

**WORK STYLE:** 100% remote/work at home

**WORK HOURS:** Typical business hours are Monday-Friday, 8 hours/day, 5 days/week in the associate's home time zone.

**Required Qualifications**

+ Bachelor’s degree or higher

+ At least five years’ experience in pharmacy health care investigations working an investigation end-to-end (experience with government referrals, on-site visits, collaborating with law enforcement, testifying, etc.)

+ Experience with manipulating and analyzing large datasets

+ Ability to be concise, independent and provide defensible decisions in high-pressure situations

+ Detail oriented with excellent communication skills (oral presentations and written) and interpersonal skills

**Preferred Qualifications**

+ Medicaid experience/expertise

+ Graduate degree and/or certifications (MBA, J.D., MSN, Clinical Certifications, CPC, CCS, CFE, AHFI).

+ Understanding of healthcare industry, claims processing and investigative process development.

+ Experience in a corporate environment and understanding of business operations

**Additional Information**

**Work at Home Requirements**

• At minimum, a download speed of 25 Mbps and an upload speed of 10 Mbps is recommended; wireless, wired cable or DSL connection is suggested

• Satellite, cellular and microwave connection can be used only if approved by leadership

• Associates who live and work from Home in the state of California, Illinois, Montana, or South Dakota will be provided a bi-weekly payment for their internet expense.

• Humana will provide Home or Hybrid Home/Office associates with telephone equipment appropriate to meet the business requirements for their position/job.

• Work from a dedicated space lacking ongoing interruptions to protect member PHI / HIPAA information

**Interview Format**

As part of our hiring process for this opportunity, we will be using an exciting interviewing technology called Hire Vue (formerly Modern Hire) to enhance our hiring and decision-making ability. Hire Vue (formerly Modern Hire allows us to quickly connect and gain valuable information from you pertaining to your relevant skills and experience at a time that is best for your schedule.

If you are selected to move forward from your application prescreen, you will receive correspondence inviting you to participate in a pre-recorded Voice Interview and/or an SMS Text Messaging interview. If participating in a pre-recorded interview, you will respond to a set of interview questions via your phone. You should anticipate this interview to take approximately 10-15 minutes.

If participating in a SMS Text interview, you will be asked a series of questions to which you will be using your cell phone or computer to answer the questions provided. Expect this type of interview to last anywhere from 5-10 minutes. Your recorded interview(s) via text and/or pre-recorded voice will be reviewed and you will subsequently be informed if you will be moving forward to next round of interviews.

**Scheduled Weekly Hours**

40

**Pay Range**

The compensation range below reflects a good faith estimate of starting base pay for full time (40 hours per week) employment at the time of posting. The pay range may be higher or lower based on geographic location and individual pay will vary based on demonstrated job related skills, knowledge, experience, education, certifications, etc.

$71,100 - $97,800 per year

This job is eligible for a bonus incentive plan. This incentive opportunity is based upon company and/or individual performance.

**Description of Benefits**

Humana, Inc. and its affiliated subsidiaries (collectively, “Humana”) offers competitive benefits that support whole-person well-being. Associate benefits are designed to encourage personal wellness and smart healthcare decisions for you and your family while also knowing your life extends outside of work. Among our benefits, Humana provides medical, dental and vision benefits, 401(k) retirement savings plan, time off (including paid time off, company and personal holidays, volunteer time off, paid parental and caregiver leave), short-term and long-term disability, life insurance and many other opportunities.

Application Deadline: 04-10-2025

**About us**

Humana Inc. (NYSE: HUM) is committed to putting health first – for our teammates, our customers and our company. Through our Humana insurance services and CenterWell healthcare services, we make it easier for the millions of people we serve to achieve their best health – delivering the care and service they need, when they need it. These efforts are leading to a better quality of life for people with Medicare, Medicaid, families, individuals, military service personnel, and communities at large.

**Equal Opportunity Employer**

It is the policy of Humana not to discriminate against any employee or applicant for employment because of race, color, religion, sex, sexual orientation, gender identity, national origin, age, marital status, genetic information, disability or veteran status. It is also the policy of Humana to take affirmative action to employ and to advance in employment, all persons regardless of race, color, religion, sex, sexual orientation, gender identity, national origin, age, marital status, genetic information, disability or protected veteran status, and to base all employment decisions only on valid job requirements. This policy shall apply to all employment actions, including but not limited to recruitment, hiring, upgrading, promotion, transfer, demotion, layoff, recall, termination, rates of pay or other forms of compensation and selection for training, including apprenticeship, at all levels of employment.

Humana complies with all applicable federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, sex, sexual orientation, gender identity or religion. We also provide free language interpreter services. See our https://www.humana.com/legal/accessibility-resources?source=Humana_Website.

At CVS Health, we’re building a world of health around every consumer and surrounding ourselves with dedicated colleagues who are passionate about transforming health care.

As the nation’s leading health solutions company, we reach millions of Americans through our local presence, digital channels and more than 300,000 purpose-driven colleagues – caring for people where, when and how they choose in a way that is uniquely more connected, more convenient and more compassionate. And we do it all with heart, each and every day.

**Position Summary**

The Certified Professional Coder (CPC) will perform medical claim reviews to ensure compliance with coding practices through a comprehensive record review for medical, behavioral, transportation and other healthcare providers. The CPC must have the ability to determine correct coding and appropriate documentation during the review of medical records. The CPC must also ensure that the state, federal and company requirements are met and recognize any concerning billing patterns or trends.

Activities include:

- Conduct a comprehensive medical record review to ensure billing is consistent with medical record.

- Provide detailed written summary of medical record review findings.

- Must be able to articulate findings to investigators, Medicaid plan leadership, law enforcement, legal counsel, providers, state regulators, etc.

- Review and discuss cases with Medical Directors to validate decisions.

- Assist with investigative research related to coding questions, state and federal policies.

- Identify potential billing errors, abuse, and fraud.

- Identify opportunities for savings related to potential cases which may warrant a prepayment review.

- Maintain appropriate records, files, documentation, etc.

- Ability to travel for meetings and potential to testify

**Required Qualifications**

- AAPC Coding certification - Certified Professional Coder (CPC)

- 3+ years of experience in medical coding or documentation auditing.

- Strong knowledge of standard industry coding guides and guidelines including CPT, HCPCS, CMS 1500 and UB04 data elements

- Experience with researching coding, state regulations and policies.

- Working experience with Microsoft Excel

- Strong attention to detail and ability to review and interpret data

- Excellent communication skills

**Preferred Qualifications**

- 2 years or more previous experience with Behavioral Health coding/auditing of records

- Licensed Clinical Social Worker (LCSW)

- Licensed Independent Social Worker (LISW)

- Licensed Master Social Worker (LMSW)

- Prior auditing experience

- Excellent analytical skills

**Education**

- GED or equivalent

- AAPC Certified Professional Coder Certification (CPC)

**Anticipated Weekly Hours**

40

**Time Type**

Full time

**Pay Range**

The typical pay range for this role is:

$43,888.00 - $102,081.00

This pay range represents the base hourly rate or base annual full-time salary for all positions in the job grade within which this position falls. The actual base salary offer will depend on a variety of factors including experience, education, geography and other relevant factors. This position is eligible for a CVS Health bonus, commission or short-term incentive program in addition to the base pay range listed above.

Our people fuel our future. Our teams reflect the customers, patients, members and communities we serve and we are committed to fostering a workplace where every colleague feels valued and that they belong.

**Great benefits for great people**

We take pride in our comprehensive and competitive mix of pay and benefits – investing in the physical, emotional and financial wellness of our colleagues and their families to help them be the healthiest they can be. In addition to our competitive wages, our great benefits include:

+ **Affordable medical plan options,** a **401(k) plan** (including matching company contributions), and an **employee stock purchase plan** .

+ **No-cost programs for all colleagues** including wellness screenings, tobacco cessation and weight management programs, confidential counseling and financial coaching.

+ **Benefit solutions that address the different needs and preferences of our colleagues** including paid time off, flexible work schedules, family leave, dependent care resources, colleague assistance programs, tuition assistance, retiree medical access and many other benefits depending on eligibility.

For more information, visit https://jobs.cvshealth.com/us/en/benefits

We anticipate the application window for this opening will close on: 04/25/2025

Qualified applicants with arrest or conviction records will be considered for employment in accordance with all federal, state and local laws.

We are an equal opportunity and affirmative action employer. We do not discriminate in recruiting, hiring, promotion, or any other personnel action based on race, ethnicity, color, national origin, sex/gender, sexual orientation, gender identity or expression, religion, age, disability, protected veteran status, or any other characteristic protected by applicable federal, state, or local law.

Advance Your Career in Insurance Claims with Allied Universal® Compliance and Investigation Services. Allied Universal® Compliance and Investigation Services is the premier destination for a career in insurance claim investigation. As a global leader, we provide dynamic opportunities for claim investigators, SIU investigators, and surveillance investigators. Our diverse and inclusive team is committed to innovation and excellence, making a significant impact in the insurance industry. If you’re ready to grow with the best, explore a career with us and make a difference. Enjoy comprehensive benefits for most full-time positions, including medical, dental, and vision coverage, life insurance, retirement plans, employee assistance programs, and exclusive perks.

Allied Universal® is hiring a Surveillance Investigator. The Surveillance Investigator will perform discreet mobile and stationary surveillance of a Claimant to confirm current activities and capabilities to assist with the administration of an Insurance claim.

+ **Opportunity awaits – apply now!**

+ **Job flexibility offering fieldwork!**

+ **Auto and travel allowances!**

**RESPONSIBILITIES:**

+ Conduct independent investigations of insurance claims across a range of coverage types, including workers’ compensation, general liability, property and casualty, and disability

+ Utilize various surveillance techniques and equipment to monitor subjects covertly

+ Document and report observations, activities, and any relevant information in a clear and concise manner

+ Collaborate with other investigators and law enforcement agencies as needed to gather information and coordinate efforts

+ Maintain confidentiality and adhere to legal and ethical standards in conducting surveillance operations

**QUALIFICATIONS (MUST HAVE):**

+ High school diploma or equivalent

+ Post offer, must be able to successfully complete the Allied Universal Investigations' training/orientation course

+ Prior educational or professional exposure to witness interviews or video monitoring

+ Prior educational or professional incident reporting and/or investigations experience

+ Flexibility to work varied and irregular hours/days including weekends and holidays

+ Ability to type reports in Microsoft Word format with minimal grammatical and punctuation errors

+ Proficient in utilizing laptop computers, video cameras and cell phones

+ Capable of maintaining focus and multitasking effectively in a dynamic environment

+ Demonstrated ability to manage stressful situations with composure and professionalism

+ Ability to work in a very independent environment

**PREFERRED QUALIFICATIONS (NICE TO HAVE):**

+ Associate’s Degree or higher, preferably in Criminal Justice

+ Security/Loss Prevention experience

+ Military experience

+ Law enforcement experience

+ Prior insurance investigations experience

**BENEFITS:**

+ Medical, dental, vision, basic life, AD&D, and disability insurance

+ Enrollment in our company’s 401(k)plan, subject to eligibility requirements

+ Seven paid holidays annually, sick days available where required by law

+ Vacation time offered at an initial accrual rate of 3.08 hours biweekly for full time positions. Unused vacation is only paid out where required by law

**Allied Universal® is an Equal Opportunity Employer.** All qualified applicants will receive consideration for employment without regard to race/ethnicity, age, color, religion, sex, sexual orientation, gender identity, national origin, genetic information, disability, protected veteran status or relationship/association with a protected veteran, or any other basis or characteristic protected by law. For more information: www.aus.com

If you have any questions regarding Equal Employment Opportunity, Affirmative Action, Diversity and Inclusion, have difficulty using the online system and require an alternate method to apply, or require an accommodation at any time during the recruitment and/or employment process, please contact our local Human Resources department. To find an office near you, please visit: www.aus.com/offices .

**Allied Universal® is an Equal Opportunity Employer.** All qualified applicants will receive consideration for employment without regard to race/ethnicity, age, color, religion, sex, sexual orientation, gender identity, national origin, genetic information, disability, protected veteran status or relationship/association with a protected veteran, or any other basis or characteristic protected by law. For more information: www.aus.com

If you have any questions regarding Equal Employment Opportunity, Affirmative Action, Diversity and Inclusion, have difficulty using the online system and require an alternate method to apply, or require an accommodation at any time during the recruitment and/or employment process, please contact our local Human Resources department. To find an office near you, please visit: www.aus.com/offices .

**Job ID:** 2025-1359082

**Location:** United States-Arizona-Prescott Valley

**Job Category:** Compliance & Investigations

Job Description:

This job is responsible for handling complex and escalated customer situations regarding possible fraudulent account activity. Key responsibilities include receiving inbound calls and takes appropriate action requiring accuracy on complex transactions. Job expectations include performing functions related to research and resolution of fraudulent activity, service support, and delivering practical, innovative solutions to clients while focusing on retention and re-establishing client confidence.

Wealth Management Fraud & Claims associates will handle inbound calls from clients, branch offices, banking centers, and various internal associates. They will also be responsible for the claim initiation and status updates of various fraud and billing disputes, on our clients’ bank accounts. Associates will handle a wide variety of claim types including but not limited to: credit card, debit card, ATM, check fraud, ACH, and online wire transfers for wealth banking products.

Responsibilities:

Services banking products with high-risk activity to maximize approval of legitimate transactions, minimize client impact at the point of sale, identify fraudulent activity and restrict account activity
Assists Fraud Strategy partners with development of new tactics by facilitating controlled tests and simulations within the production environment
Tests existing customer facing capabilities (credit, debit, transactions, deposit activity, and online activities) for unknown vulnerabilities resulting in potential fraudulent exploitation and unplanned loss
Participates in triage related to Executive Escalations & Incident Response fraud activities
Reviews and investigates reports of suspected fraudulent activity with accurate recording of data captured during client interactions
Follows established processes and guidelines in daily activities to do what is right for clients and the bank, adhering to all applicable laws and regulation
Assist clients and internal partners with banking claim and suspicious alert inquiries, initiation and updates

**Hours vary between 10a-9p EST MUST be available to work a weekend shift**

Required Qualifications:

1+ years of fraud servicing or call center experience.
Has strong analytical and organizational skills and demonstrates the ability to solve complex problems by reviewing related information
Demonstrates a strong sense of urgency and is able to work in a fast-paced, ever-changing environment with a strong focus on risk mitigation and client experience.
Displays passion, integrity, commitment and drive to deliver a positive, differentiated service that improves our clients’ financial lives
Fully understands how life events can impact a client’s financial situation and is prepared to actively advise solutions and analyze/resolve complex client problems through creative solutions
Commitment to excellent attendance with proven reliability and can adhere to the agreed upon work schedule
Dependable team-player attitude with an understanding that calls must be handled immediately, including weekends and holidays
Communicates effectively and confidently with all clients to make their financial lives better
Ability to engage with clients while navigating multiple screens – begin a conversation, anticipate what questions a client will have, actively share information using plain language, build rapport, and handle objections
Comfortable receiving ongoing performance feedback and coaching
Ability to learn and adapt to new information and technology platforms
Minimum of an intermediate level of proficiency with computers and current technology

Desired Qualifications:

Experience in a call center or a financial/banking center
Customer service experience
Has 1-2 years of fraud servicing or call center experience.
Fraud Detection and Prevention
Credit Risk

Skills:

Customer and Client Focus
Data Collection and Entry
Due Diligence
Issue Management
Oral Communications
Active Listening
Adaptability
Attention to Detail
Policies, Procedures & Guidelines
Written Communications
Business Acumen
Collaboration
Critical Thinking

Shift:
1st shift (United States of America)

Hours Per Week:
40

Wealth Management Fraud & Claims - Sr. Fraud Analyst

Chandler, Arizona

**Job Description:**

pAt 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 handling complex and escalated customer situations regarding possible fraudulent account activity. Key responsibilities include receiving inbound calls and takes appropriate action requiring accuracy on complex transactions. Job expectations include performing functions related to research and resolution of fraudulent activity, service support, and delivering practical, innovative solutions to clients while focusing on retention and re-establishing client confidence.

Wealth Management Fraud & Claims associates will handle inbound calls from clients, branch offices, banking centers, and various internal associates. They will also be responsible for the claim initiation and status updates of various fraud and billing disputes, on our clients’ bank accounts. Associates will handle a wide variety of claim types including but not limited to: credit card, debit card, ATM, check fraud, ACH, and online wire transfers for wealth banking products.

**Responsibilities:**

+ Services banking products with high-risk activity to maximize approval of legitimate transactions, minimize client impact at the point of sale, identify fraudulent activity and restrict account activity

+ Assists Fraud Strategy partners with development of new tactics by facilitating controlled tests and simulations within the production environment

+ Tests existing customer facing capabilities (credit, debit, transactions, deposit activity, and online activities) for unknown vulnerabilities resulting in potential fraudulent exploitation and unplanned loss

+ Participates in triage related to Executive Escalations & Incident Response fraud activities

+ Reviews and investigates reports of suspected fraudulent activity with accurate recording of data captured during client interactions

+ Follows established processes and guidelines in daily activities to do what is right for clients and the bank, adhering to all applicable laws and regulation

+ Assist clients and internal partners with banking claim and suspicious alert inquiries, initiation and updates

**Hours vary between 10a-9p EST MUST be available to work a weekend shift**

**Required Qualifications:**

+ 1+ years of fraud servicing or call center experience.

+ Has strong analytical and organizational skills and demonstrates the ability to solve complex problems by reviewing related information

+ Demonstrates a strong sense of urgency and is able to work in a fast-paced, ever-changing environment with a strong focus on risk mitigation and client experience.

+ Displays passion, integrity, commitment and drive to deliver a positive, differentiated service that improves our clients’ financial lives

+ Fully understands how life events can impact a client’s financial situation and is prepared to actively advise solutions and analyze/resolve complex client problems through creative solutions

+ Commitment to excellent attendance with proven reliability and can adhere to the agreed upon work schedule

+ Dependable team-player attitude with an understanding that calls must be handled immediately, including weekends and holidays

+ Communicates effectively and confidently with all clients to make their financial lives better

+ Ability to engage with clients while navigating multiple screens – begin a conversation, anticipate what questions a client will have, actively share information using plain language, build rapport, and handle objections

+ Comfortable receiving ongoing performance feedback and coaching

+ Ability to learn and adapt to new information and technology platforms

+ Minimum of an intermediate level of proficiency with computers and current technology

**Desired Qualifications:**

+ Experience in a call center or a financial/banking center

+ Customer service experience

+ Has 1-2 years of fraud servicing or call center experience.

+ Fraud Detection and Prevention

+ Credit Risk

**Skills:**

+ Customer and Client Focus

+ Data Collection and Entry

+ Due Diligence

+ Issue Management

+ Oral Communications

+ Active Listening

+ Adaptability

+ Attention to Detail

+ Policies, Procedures & Guidelines

+ Written Communications

+ Business Acumen

+ Collaboration

+ Critical Thinking

**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 "Know your Rights" poster, CLICK HERE (https://www.eeoc.gov/sites/default/files/2023-06/22-088\_EEOC\_KnowYourRights6.12.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.

At Wells Fargo, we are looking for talented people who will put our customers at the center of everything we do. We are seeking candidates who embrace diversity, equity and inclusion in a workplace where everyone feels valued and inspired.

Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.

**About this role:**

Wells Fargo is seeking Fraud & Claims Operations Associate as part of Consumer Lending. Learn more about our career areas and lines of business at wellsfargojobs.com (https://www.wellsfargojobs.com/career-areas/) .

**In this role, you will:**

+ Participate in researching and examining complex transactions and referrals in order to prevent and detect fraud activities, policy violations, and credit card applications disputes with low to high risk within fraud and claims functional area

+ Review complex transactions and referrals to prevent and detect fraud activities, policy violations, and merchant disputes in low to high-risk tasks and deliverables

+ Receive direction and exercise judgment within defined parameters while developing an understanding of investigative techniques and all facets of portfolios serviced by the division to quickly examine information and determine liability as well as impact of each case

+ Provide financial or business evidence and detailed data detecting patterns, trends, anomalies, and schemes in both transactions and relationships across multiple businesses or products to the more experienced management as well as specialists working within the team

**Required Qualifications, US:**

+ 6+ months of Customer Service, Financial Services, Fraud, Investigations experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

**Desired Qualifications:**

+ 6+ months of leadership experience to include coaching, training and mentoring

+ Excellent verbal, written and interpersonal communication skills

+ Strong organizational, multi-tasking, and prioritizing skills

+ Ability to execute in a fast paced, high demand, environment while balancing multiple priorities

+ Ability to work effectively in a team environment and across all organizational levels, where flexibility, collaboration, and adaptability are important

+ Ability to consult, build, and maintain solid working relationships in and outside of immediate department

+ Experience training and providing feedback to staff and corresponding managers

+ Ability to motivate others to greater performance

+ Experience resolving and working through escalated and complex customer issues

+ Exposure with CC Lending, Prevent, LexisNexis, Accrint

**Job Expectations:**

+ Ability to work weekends, and/or holidays as needed or scheduled

+ Must be able to attend full duration of required training period

**Training:** Monday-Friday 8:00am -5:00 pm for 2 Week training

**Schedule:**

Monday to Saturday 8:am to 5:00pm

Tuesday to Friday 9:00 am to 6:00 pm and Saturday 8 :00am to 5:00 pm.

**Location:** 2800 S Price Rd CHANDLER, AZ 85286

+ Candidate must reside within a reasonable commute to the address listed in the posting

+ Relocation assistance is not available for this position.

**Benefits:** Information about Wells Fargo's US employee benefits (http://www.wellsfargo.com/about/careers/benefits/)

GREAT CAREER ADVANCEMENT OPPORTUNITIES!!!

You will have opportunities to participate in programs established to help you achieve your career and development goals.

• Benefit packages include Medical, Dental and Vision Plans for team member and family!

• 401k – up to 6% company match!

• New Team members may be eligible to receive up to 30 paid days off annually, to include 11 bank holidays and 2 personal holidays.

• Tuition Reimbursement Opportunity

**Posting End Date:**

31 Mar 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.

Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process.

**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-444650

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions, enabling the communities we support to grow and succeed in the right ways, all more confidently and more often—that’s what we call the courage to thrive. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive. Try new things, learn new skills and discover what you excel at—all from Day One.

As a wholly owned subsidiary of U.S. Bank, Elavon is committed to building the platforms and ecosystems that help over 1.5 million customers around the world to achieve their financial goals—no matter what they need. From transaction processing to customer service, to driving innovation and launching new products, we’re building a range of tailored payment solutions powered by the latest technology. As part of our team, you can explore what motivates and energizes your career goals: partnering with our customers, our communities, and each other.

**Job Description**

Monitors account activity to identify fraudulent financial transactions and violations. Secures accounts to prevent losses. Works with internal departments to validate that charges are authorized. Works with merchants to resolve customer service issues or fraudulent activity. Maintains merchant processing statistics and records.

**The role is posted as remote; however, candidates who are located near any one of our locations would be required to work on site at least three days per week.**

**Start Date: May 5th 2025**

**Training 5 weeks 8am-5pm Monday-Friday Eastern Time**

**Schedule: 8am-5pm Monday-Friday Eastern Time.**

Basic Qualifications

- High school diploma or equivalent

- Typically at least one year of related work experience

Preferred Skills/Experience

- Ability to identify and interpret data and resolve exceptions

- Ability to work with unwritten but generally understood instructions

- Effective verbal and written communication skills

- Proficient computer navigation skills using a variety of software packages including Microsoft Office applications

- Some experience with loss mitigation a plus

If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants (https://careers.usbank.com/global/en/disability-accommodations-for-applicants) .

**Benefits:**

Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following (some may vary based on role, location or hours):

+ Healthcare (medical, dental, vision)

+ Basic term and optional term life insurance

+ Short-term and long-term disability

+ Pregnancy disability and parental leave

+ 401(k) and employer-funded retirement plan

+ Paid vacation (from two to five weeks depending on salary grade and tenure)

+ Up to 11 paid holiday opportunities

+ Adoption assistance

+ Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

**EEO is the Law**

U.S. Bank is an equal opportunity employer committed to creating a diverse workforce. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors. Applicants can learn more about the company’s status as an equal opportunity employer by viewing the federal **KNOW YOUR RIGHTS (https://eeoc.gov/sites/default/files/2023-06/22-088\_EEOC\_KnowYourRights6.12ScreenRdr.pdf)** EEO poster.

**E-Verify**

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program (https://careers.usbank.com/verification-of-eligibility-for-employment) .

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $20.00 - $20.00 - $22.00

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.

**What’s Under the Hood**

DriveTime Family of Brands includes in-house financing and servicing through Bridgecrest, which is one of the country’s leading financial servicing providers. Bridgecrest services roughly $17 billion in finance receivables for DriveTime and other third parties. We service auto loans across a wide credit spectrum with the intent of creating a strong path to vehicle ownership for our customers.

**That’s Nice, But What’s the Job?**

In short, as the Fraud Agent (Loan Review), you will critically review customer documents, data, and investigation tools to assess potential fraud exposure and communicate with our Retail stores on whether funding is approved, denied, or if more documentation is required.

In long, our Fraud Agents are responsible for:

+ Reviewing income and identity documents for customer fraud/misrepresentation indicators. Attention to detail is key.

+ Applying department procedures and critical thinking to determine additional documentation to request.

+ Calling employers to complete verbal verifications of employment and income.

+ Reviewing identity documents to address Credit Alert Red Flags, synthetic identity, and identity theft concerns.

+ Consistently hitting productivity targets with pre-sale and post-sale investigations while maintaining high quality metrics.

**So What Kind of Folks Are We Looking for?**

+ **A mind for the details.** Okay we know “detail-oriented” is on just about every job description – but we really mean it!

+ **Excellent verbal and written communication skills.** The ability to talk and write with confidence, charisma, and competence for a wide variety of audiences.

+ **Curious minds who love to learn.** Fraud trends are constantly changing, so we have to adapt our knowledge and tactics to stay ahead!

+ **Passionate and goal-oriented.** We are looking for someone that is enthusiastic about their work and is passionate about not only meeting their goals but exceeding them.

+ **Agile in a fast-paced environment.** We move, and we move quickly. Thriving in an environment that never stops, is a must.

**The Specifics.**

+ High School Diploma or GED required

+ Must have availability to work Monday through Saturday with shifts between the hours of 7:00am and 8:00pm. Available to work every Saturday.

**Nice to Haves.**

+ Bachelor's Degree

+ Underwriting/Lending experience

**So What About the Perks? Perks matter**

+ **Medical, dental, and vision, oh my!** DriveTime Family of Brands covers a sizable amount of insurance premiums to ensure our employees receive top-tier healthcare coverage.

+ **But Wait, There’s More.** 401(K), Company paid life insurance policy, short and long-term disability coverage to name a few.

+ **Growth Opportunities.** You grow, I grow, we all grow! But seriously, DriveTime Family of Brands is committed to providing its employees with every opportunity to grow professionally with roughly over 1,000 employees promoted year over year.

+ **Tuition Reimbursement.** We’re as passionate about your professional development as you are. With that, we’ll put our money where our mouth is.

+ **Wellness Program.** Health is wealth! This program includes self-guided coaching and journeys, cash incentives and discounts on your medical premiums through engaging in fun activities!

+ **Gratitude is Green.** We offer competitive pay across the organization, because, well… money matters!

+ **Game Room.** Gimme a break – no, not a Kit Kat ad but we do have a ping-pong table, a pool table and other games if you ever need a break in your day.

+ **In-House Gym.** We want our employees to be the best versions of themselves. So come early, take a break in your day, or finish strong with a workout!

+ **Enjoy Social Events?** Bring it on. Rally with your team for festive gatherings, team competitions or just to hang out!

+ **We Care and Value YOU!** Feel the love and let us treat you to company outings, personal rewards, amazing prizes & much more!

+ **Paid Time Off.** Not just lip service: we work hard, to play hard! Paid time off includes (for all full-time roles) wellness days, holidays, and good ole' fashioned YOU time! For our Part-timers, don't fear you get some time too...vacation time is available - the more you work, the more you earn!

**Anything Else? Absolutely.**

DriveTime Family of Brands is Great Place to Work Certified! And get this: 90% of our rockstar employees say they feel right at home here. We could spend a lot of time having you read about ALL our awards, but we’ll save time (and practice some humility) just naming a few others; Comparably Awards: Best Company for Diversity, Best Company Culture and Best Company Leadership, oh and don’t forget Phoenix Business Journal Healthiest Employers (okay, we’ll stop there)!

Hiring is contingent upon successful completion of our background and drug screening process. DriveTime is a drug-free, tobacco-free workplace and an Equal Opportunity Employer.

And when it comes to hiring, we don't just look for the right person for the job, we seek out the right person for DriveTime. Buckle up for plenty of opportunities to grow in a professional, fun, and high-energy environment!

About the Team

Vector Investigations, Planning and Response (VIPR) works at the forefront of emerging fraud trends on the DoorDash platform. This specialized team operates at the lowest level of detail to recognize root causes of various methods and behavioral patterns which incur financial loss or reputational risk to the company. The insights from this work fuel conversations and action plans geared toward the detection, containment and prevention of fraud.

About the Role

The Associate, Fraud Insights Operations analyzes significant fraud trends and new vectors. They collaborate with Strategy & Operations to understand fraud mechanisms, identify necessary long-term solutions, and implement interim containment measures while awaiting more comprehensive resolutions. This role also supports internal partners by providing data for various initiatives and helping them adapt to evolving fraud strategies.

We partner with many key stakeholders, including Strategy & Operations, to find new ways to combat fraudulent behavioral patterns. Long term solutions can take time and resources. VIPR finds and delivers containment solutions in the interim.

You will report to the Fraud Insights Operations Supervisor on our Vector Investigations, Planning & Response (VIPR) team in our Integrity Ops organization.

At DoorDash, we believe in fostering a culture of meaningful connection, collaboration, and professional growth through in-office interactions. This position requires an in-office presence at the DoorDash corporate office in Tempe and the employee must live within a commutable 50 miles from the office. In-office days are determined by the business and can change based on business needs. The VIPR team operates Monday - Friday. In-office days are: first and third Thursdays of the month

You’re excited about this opportunity because you will…

+ Training and Development: You will have the opportunity to receive training in root cause analysis and SQL functions through LinkedIn Learning courses.

+ Subject Matter Expertise: You understand fraud, how it pertains to the DoorDash ecosystem and recognize, or seek to find new and uncommon fraud tactics.

+ Data Analysis and Interpretation: You know how to make data-driven decisions by gathering, analyzing, and interpreting data to provide insights and recommendations for business decisions that address large fraud trends. This requires a familiarity with various tools and technologies, including the creation of workbooks, scripting spreadsheet functions, and a basic understanding of SQL.

+ Root Cause Analysis: You have a passion for catching important details that could cause problems later, operate at the lowest level of detail with a keen eye to understand and address problems at their foundation, and differentiate between patching and fixing problems.

+ Project Management: You operate autonomously to lead projects of medium complexity from start to finish. These projects often impact processes, technology roadmaps, and other internal initiatives. You recognize risks and have a calculated bias for action.

+ Collaboration and Communication: Project oversight requires constant collaboration with cross-functional teams to understand business requirements and the impact of our work. You enjoy providing guidance, mentoring others, and leading initiatives. You make room at the table and engage with key stakeholders at every level to understand both micro and macro level issues.

+ Continuous Improvement: deliver high-quality insights to combat fraud, take accountability for your actions, own the outcomes, contribute to a positive team culture, and celebrate wins!

We're excited about you because…

+ 3+ years experience in fraud, finance, or other professional operations environment as an individual contributor or similar

+ Organized and able to work independently with minimum supervision while owning projects

+ Highly motivated by complex problems with a strong eye for detail and a knack for creative solutions

+ Google suite intermediate proficiency (sheets, docs, gmail, calendar)

+ An understanding of basic SQL (able to write queries and run them)

+ Strong professional brand, including the ability to communicate well with partners at all levels

+ Capable of asking hard questions in a professional and collaborative manner

Notice to Applicants for Jobs Located in NYC or Remote Jobs Associated With Office in NYC Only

We use Covey as part of our hiring and/or promotional process for jobs in NYC and certain features may qualify it as an AEDT in NYC. As part of the hiring and/or promotion process, we provide Covey with job requirements and candidate submitted applications. We began using Covey Scout for Inbound (https://getcovey.com/product/covey-scout-inbound) from August 21, 2023, through December 21, 2023, and resumed using Covey Scout for Inbound (https://getcovey.com/product/covey-scout-inbound) again on June 29, 2024.

The Covey tool has been reviewed by an independent auditor. Results of the audit may be viewed here: Covey (https://getcovey.com/nyc-local-law-144)

About DoorDash

At DoorDash, our mission to empower local economies shapes how our team members move quickly, learn, and reiterate in order to make impactful decisions that display empathy for our range of users—from Dashers to merchant partners to consumers. We are a technology and logistics company that started with door-to-door delivery, and we are looking for team members who can help us go from a company that is known for delivering food to a company that people turn to for any and all goods.

DoorDash is growing rapidly and changing constantly, which gives our team members the opportunity to share their unique perspectives, solve new challenges, and own their careers. We're committed to supporting employees’ happiness, healthiness, and overall well-being by providing comprehensive benefits and perks including premium healthcare, wellness expense reimbursement, paid parental leave and more.

Our Commitment to Diversity and Inclusion

We’re committed to growing and empowering a more inclusive community within our company, industry, and cities. That’s why we hire and cultivate diverse teams of people from all backgrounds, experiences, and perspectives. We believe that true innovation happens when everyone has room at the table and the tools, resources, and opportunity to excel.

Statement of Non-Discrimination : In keeping with our beliefs and goals, no employee or applicant will face discrimination or harassment based on: race, color, ancestry, national origin, religion, age, gender, marital/domestic partner status, sexual orientation, gender identity or expression, disability status, or veteran status. Above and beyond discrimination and harassment based on “protected categories,” we also strive to prevent other subtler forms of inappropriate behavior (i.e., stereotyping) from ever gaining a foothold in our office. Whether blatant or hidden, barriers to success have no place at DoorDash. We value a diverse workforce – people who identify as women, non-binary or gender non-conforming, LGBTQIA+, American Indian or Native Alaskan, Black or African American, Hispanic or Latinx, Native Hawaiian or Other Pacific Islander, differently-abled, caretakers and parents, and veterans are strongly encouraged to apply. Thank you to the Level Playing Field Institute for this statement of non-discrimination.

Pursuant to the San Francisco Fair Chance Ordinance, Los Angeles Fair Chance Initiative for Hiring Ordinance, and any other state or local hiring regulations, we will consider for employment any qualified applicant, including those with arrest and conviction records, in a manner consistent with the applicable regulation.

If you need any accommodations, please inform your recruiting contact upon initial connection.