Fraud Investigator

Req No.
Risk Management
Regular Full-Time


UNIFY Financial Credit Union is one of the nation’s largest 100 credit unions with a reputation for being financially sound and growth-oriented. We’re expanding rapidly to meet the needs of a growing member base.

At UNIFY, our team members work together to strive toward a common goal, “providing superior service to our members.” In doing so, we promote a culture where your ideas matter, your growth matters, and you matter. We encourage all team members to challenge and encourage themselves and their teammates to work smarter and to be more successful.


Location: Allen, TX or Mesa, AZ




The Fraud Investigator:


Assists in fraud investigation and loss prevention, including reviewing fraud monitoring reports, conducting special investigation and research, and preparing and delivering fraud awareness training.


Performs daily reviews of Fidelity Information Systems (FIS) fraud and sentry service alerts, and identifies any suspicious accounts within UNIFY’s member databases.


Performs daily reviews of customized reports, to identify instances of account abuse and/or fraud including counterfeiting, forgery, altered checks, identify theft, and account takeover.


Analyzes other high-risk transaction data to detect potential fraud activities.


Performs thorough review on member accounts suspected of abuse, fraud, or negligence. Takes appropriate action to restrict and/or remove services from accounts suspected of abuse or fraud, and communicates with team members from other departments involved with identified member accounts, to alert the team member of the restrictions.


Assists team members of Branch Operations, Contact Center, OSC, Collection and other Credit Union functions with questions/concerns on identified instances of fraud or potential fraud. Provides guidance on appropriate course of action.


Performs weekly and monthly reviews of employee loan and savings account reports. Identifies and investigates instances of employee account abuse, transaction discrepancies, and any other account manipulation or fraud.


Assists with performance of special investigations and research projects as requested by Management and the Supervisory Committee.


Assists with performance of special investigations based on requests originating from external and third-party communications, including members, non-members, NCUA, external auditors and law enforcement agencies.


Assists with preparation and delivery of periodic fraud training to Branch Operations and back-office functions in support of organization-wide loss prevention and fraud awareness.


Assists in gathering of statistics and information necessary in preparation of periodic fraud reports to Internal Audit management.


Attends external fraud investigation trainings, conferences, and seminars to improve knowledge of fraud trends affecting financial institutions.


Works on audits and special projects as assigned by management.


Ensures full compliance with UNIFY Financial Federal Credit Union Core Values, Service Standards, policies, and procedures; and with the Bank Secrecy Act.


Performs other duties as assigned. 


Bachelor’s degree preferred in Accounting, Finance, Business or related field preferred; and a minimum of four years fraud investigation and interviewing experience, preferably in a financial institution; or a combination of education and experience. Professional certification preferred (e.g. CFE, etc.).   Requires knowledge of financial institution policies and practices, including all aspects of branch operations, services and products; and knowledge and understanding of state and federal regulations pertaining to financial crime and fraud reporting requirements. Experience with electronic investigations including but not limited to online banking and ACH transactions. Requires critical thinking and data analysis skills as well as effective verbal and written communication skills and proficiency with Microsoft Office tools and data analysis tools, including Word, Excel and PowerPoint, Visio, and ACL. Requires high ethical standards with demonstrated integrity. Must have valid driver’s license and registered automobile, and be able to travel up to 25% of the time, sometimes with short notice.


See the UNIFY Difference!


At UNIFY, we believe that each team member is a valued contributor. Through a teamwork approach, we strive to provide a positive and rewarding workplace that helps our team succeed. UNIFY provides a work environment which promotes learning, growth, and the opportunity for team members to challenge themselves.


Competitive Compensation and Excellent Benefits Package* Includes:

Medical (PPO/HMO), Prescription, Dental (PPO/DMO), Vision, Life, and Short- and Long-Term Disability Insurance
Dependent and Medical Care - Flexible Spending Accounts
Vacation, Sick, Personal and Holiday Pay
401(K) Plan with employer match
Education reimbursement for approved programs
UNIFY banking privileges for you and your family

*All programs subject to review and change


UNIFY is proud to be a drug-free, equal-opportunity employer. For more information on UNIFY, visit us at


Unsolicited agency or third-party recruiting firm fees will not be honored unless recruiting activity has been coordinated prior with the UNIFY VP, Human Resources as evidenced by written confirmation and a contract agreement.




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