Sr. Bank Fraud Investigator

The primary role of the Senior Bank Fraud Investigator to investigate and deter fraud against Ally Bank. This role requires the ability to conduct in-depth research of complex situations, use subject matter disciplines to solve difficult problems, execute various risk mitigation efforts and provide clear documentation of all findings. This position requires the ideal candidate to be a high-level problem solver. You will work independently on various bank fraud projects and present findings and solutions to loss prevention leadership.

At this time, Ally will not sponsor a new applicant for employment authorization for this position.

In office role with hybrid schedule - Ally work locations Lewisville, TX and Charlotte, NC

• Conduct thorough investigations of fraud cases (including detailed link analysis) utilizing various tools and reports to identify potential fraudulent activities on new/existing accounts.
• Initiate investigations; responsible for handling all aspects of the investigation, including detailed analysis and research to resolve issues.
• Prepares drafts Regulatory Reports for potential submission to FinCen (SAR referrals).
• Collaborate with internal/external fraud investigators, legal teams, Adult Protective Services (APS) and Law Enforcement, acting as a liaison, preparing case referrals and follow up investigations.
• Conduct interviews with customers, representatives from other financial institutions, and other pertinent individuals to investigate and gather information related to potential fraudulent activities.
• Analyze data to detect patterns and trends in fraudulent activities.
• Ensure compliance with Federal and State laws and regulations related to fraud investigations.
• Responsible for reviewing large data sets to discover transaction patterns and filter for targeted information using traditional as well as predictive/advanced analytic methodologies.
• Excellent communication and collaboration abilities.
• Ensure enterprise-wide compliance with established standards, regulatory policies and procedures for the bank set by FSI as well as Compliance and Legal departments
• Provide excellent customer service to those customers impacted by potential fraud, ensuring we help as appropriate.
• Maintain up-to-date knowledge, best practices, and awareness of investigative fraud techniques, fraud regulations (FinCen, UCC, etc), and investigation handling policy and procedures.

• Bachelor's Degree in Criminal justice or related field preferred.
• 3+ years of fraud investigations and SARs experience in financial services required. Work related experience should consist of in-depth background in bank fraud investigations of all types of forgery claims and schemes (i.e., kite schemes, counterfeit checks, forgeries, wires, ach, etc.), banking operations, government regulations, basic knowledge of UCC codes and industry defenses to adverse claims.
• CFE, CAFP, and CFCI certifications preferred.
• Knowledge in Elder Abuse and/or Elder Financial Exploitation investigations strongly preferred.
• Proven knowledge of regulatory Suspicious Activity Report experience – must have skills related to identifying, analyzing, and reporting suspicious activities.
• Proficient in conducting interviews with various stakeholders strongly preferred.
• Ability to make appropriate judgments and decisions with limited guidance.
• Proficiency in data analysis tools and software.
• Experience investigating ACH, Wires, Account Takeover, etc.

• Time Away: Program starts at 20 paid time off days in addition to 11 paid holidays and 8 hours of volunteer time off yearly (time off days are prorated based on start date and program varies based on full or part-time status and management level).
• Planning for the Future: plan for the near and long term with an industry-leading 401K retirement savings plan with matching and company contributions, student loan pay downs and 529 educational save up assistance programs, tuition reimbursement, employee stock purchase plan, and financial learning center and financial coach access.
• Supporting your Health & Well-being: flexible health and insurance options including medical, dental and vision, employee, spouse and child life insurance, short- and long-term disability, pre-tax Health Savings Account with employer contributions, Healthcare FSA, critical illness, accident & hospital indemnity insurance, and a total well-being program that helps you and your family stay on track physically, socially, emotionally, and financially.
• Building a Family: adoption, surrogacy and fertility assistance as well as paid parental and caregiver leave, Dependent Day Care FSA back-up child and adult/elder care days and childcare discounts.
• Work-Life Integration: other benefits including Mentally Fit Employee Assistance Program, subsidized and discounted Weight Watchers® program and other employee discount programs.
• Other compensations: depending on the role for which you are considered, you may be eligible for travel allowances, relocation assistance, a signing bonus and/or equity.
• To view more detailed information about Ally’s Total Rewards, please visit this link: https://www.ally.com/content/dam/pdf/corporate/ally-total-rewards-snapshot.pdf

Who We Are:

Ally Financial is a customer-centric, leading digital financial services company with passionate customer service and innovative financial solutions. We are relentlessly focused on "Doing it Right" and being a trusted financial-services provider to our consumer, commercial, and corporate customers. For more information, visit www.ally.com.

Ally is an equal opportunity employer committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to age, race, color, sex, religion, national origin, disability, sexual orientation, gender identity or expression, pregnancy status, marital status, military or veteran status, genetic disposition or any other reason protected by law.

We are committed to working with and providing reasonable accommodation to applicants with physical or mental disabilities. For accommodation requests, email us at hrpolicy@ally.com. Ally will not discriminate against any qualified individual who is capable of performing the essential functions of the job with or without reasonable accommodation.