Digital Fraud Investigator

🕒 June 4

🗽 New York – Remote

🗽 New York – Remote

💵 $81.7k - $113.4k / year

⏰ Full Time

🟡 Mid-level

🟠 Senior

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Municipal Credit Union

WebsiteLinkedInAll Job Openings

501 - 1000 employees

Founded 1916

🏦 Banking

💸 Finance

💳 Fintech

Banking • Finance • Fintech

Municipal Credit Union is a not-for-profit financial institution dedicated to serving the banking and lending needs of its members in New York City. Offering a range of personal banking products including checking and savings accounts, loans, credit cards, and insurance services, MCU focuses on helping its members achieve their financial goals through competitive rates and personalized support. With over 100 years of service, MCU emphasizes community engagement and the fulfillment of financial needs of local municipal workers and their families.

📋 Description

• The Digital Fraud Investigator serves as a senior operational and analytical resource within the Financial Crimes & Intelligence division. • Proactively identifying, investigating, and mitigating fraud across digital channels while upholding the highest standards of loss prevention, regulatory compliance, and member protection. • Collaborates closely with the Vice President of Financial Crimes & Intelligence management to enhance investigative methodologies. • Conducts in-depth digital forensic investigations, including IP analysis, device fingerprinting, behavioral biometrics, and detailed log review. • Prepares comprehensive, timely, and audit ready investigative reports within the Case Management System (CMS), documenting findings, evidence, and recommending actions. • Executes testing, validation and continuous tuning of fraud controls and detection rules to enhance digital security and reduce financial losses.

🎯 Requirements

• Bachelor or Associate degree in Criminal Justice, Business, or Accounting, or a related discipline; an equivalent combination of education and relevant professional experience will be considered. • 5-7 + years of progressive experience in digital fraud investigations, financial crimes analysis, and/or digital payment channel operations, with demonstrated expertise in complex casework. • Deep understanding of Zelle Risk Management Operating Procedures and digital payment risk frameworks, with the ability to apply them in high-risk investigative scenarios. • Proven ability to synthesize data across multiple technologies and platforms to identify, assess, and validate fraudulent activity. • Industry-recognized certifications such as Certified Fraud Examiner (CFE) or similar credentials are highly desirable. • Strong working knowledge of federal, state, and local criminal statutes, banking regulations, and financial crimes compliance requirements. • Flexibility to work nonstandard as business needs require, including support during high-risk events or urgent investigative escalations. • Uncompromising integrity and the ability to handle sensitive, confidential, and legally significant information with discretion. • Self-starter with strong initiative, sound judgment, and a proactive, solution-oriented mindset. • Professional demeanor and team-oriented approach, contributing positively to a high-performance investigative culture. • Excellent communication, collaboration, and interpersonal skills, with the ability to influence and partner across teams. • Ability to manage high-volume workloads, prioritize effectively, meet deadlines, and maintain exceptional attention to detail in a fast-paced environment. • High technological aptitude with the ability to quickly adapt to new tools, evolving fraud tactics, and emerging digital risk technologies. • Proficiency with leading fraud monitoring and case-management platforms, including Verafin, BioCatch, and Zelle (preferred).

🏖️ Benefits

• Medical, vision, dental, life, and disability insurance • 401(k) with an 6% employer match per pay period • Flexible paid time off • 11 paid holidays annually