Fraud Prevention and Risk Investigations - Investigator II

June 16, 2026

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TITLE: INVESTIGATOR II STATUS: NON-EXEMPT REPORTS TO: FRAUD PREVENTION AND RISK INVESTIGATIONS MANAGER DEPARTMENT: FRAUD PREVENTION AND RISK INVESTIGATIONS JOB CODE: 11452 PAY RANGE: $33.86 - $37.00 HOURLY LOCATION: Remote in CA only GENERAL DESCRIPTION: The Investigator II is an experienced level position within the Fraud department. Responsible for detecting, reviewing, and reporting potential suspicious activities filtered by various AML systems. As an Investigator II, you will investigate external inquiries via law enforcement request, internal investigations for other groups (fraudulent instruments and inquiries), and other related transactional activity. Supports leadership and the investigations team in maintaining compliance with Golden 1 Credit Union’s fraud prevention program. Assist with training and coaching of new and existing employees across various business lines and execute special investigations. TASKS, DUTIES, FUNCTIONS: <ol style="margin-bottom: 0in; margin-top: 0px;"> <li style="margin: 0in 0in 0in 0px; line-height: 107%; font-size: 11pt; font-family: Calibri, sans-serif;">Utilizes knowledge of credit union systems, processes, and contacts as resources for conducting investigations. Develops a plan of action and gathers, analyzes, and compiles evidence for multiple case assignments. Prepares case documentation and writes a complete final summary report of investigation.</li> <li style="margin: 0in 0in 0in 0px; line-height: 107%; font-size: 11pt; font-family: Calibri, sans-serif;">Investigate and respond to check fraud claims as received by members and/or other financial institutions. </li> <li style="margin: 0in 0in 0in 0px; line-height: 107%; font-size: 11pt; font-family: Calibri, sans-serif;">Investigate suspicious activity cases generated by the internal automated AML/BSA monitoring system or Unusual Activity Referrals reported by branch personnel and other lines of business. </li> <li style="margin: 0in 0in 0in 0px; line-height: 107%; font-size: 11pt; font-family: Calibri, sans-serif;">Review cases assigned for closure to ensure Verafin case has proper coding, and all steps are taken prior to closing account in DSUI. </li> <li style="margin: 0in 0in 0in 0px; line-height: 107%; font-size: 11pt; font-family: Calibri, sans-serif;">Assesses internal controls and procedures associated with assigned cases, identifying control breakdowns and makes recommendations to prevent future losses. Assists with determining new procedures to prevent, detect, and investigate fraudulent activity. Reviews fraud data to ensure accuracy for reporting and audit purposes. Assist with computer crime investigations and investigate breaches of information security policies as requested. </li> <li style="margin: 0in 0in 0in 0px; line-height: 107%; font-size: 11pt; font-family: Calibri, sans-serif;">Prepares recommendations as to whether a member’s transactional activity is fraudulent and thereby requiring a BSA UAR referral. The recommendation will be based on an analytical assessment of internal and external data sources, internet, and other sources to provide the rationale for recommended courses of action. </li> <li style="margin: 0in 0in 0in 0px; line-height: 107%; font-size: 11pt; font-family: Calibri, sans-serif;">Reviews individuals’ and entities’ accounts reported in a police report utilizing different management systems to determine if other suspicious activity noted in the accounts should be reported. Prepares police report and/or BSA UAR referral if necessary.</li> <li style="margin: 0in 0in 0in 0px; line-height: 107%; font-size: 11pt; font-family: Calibri, sans-serif;">Performs red flag alert reviews on account activity for submitted fraud closures, determines if the previously reported fraudulent activity has continued or ceased. Files supplemental police report if additional suspicious activity is identified and works with BSA SAR Investigator on continued 90-day fraud referrals. </li> <li style="margin: 0in 0in 0in 0px; line-height: 107%; font-size: 11pt; font-family: Calibri, sans-serif;">Assist with auditing Investigator I BSA narratives prior to submitting to BSA department.</li> <li style="margin: 0in 0in 0in 0px; line-height: 107%; font-size: 11pt; font-family: Calibri, sans-serif;">Maintains current information on various systems as well as required files and documentation. Ensures records are complete and available for review and audit as needed. Complies with regulatory requirements, security, and applicable policies and identifies control and procedural issues.</li> <li style="margin: 0in 0in 0in 0px; line-height: 107%; font-size: 11pt; font-family: Calibri, sans-serif;">Serves as resource to branches/departments inquiries related to financial investigations questions to provide best information possible regarding fraud to better serve the members and the Credit Union’s interest.</li> <li style="margin: 0in 0in 0in 0px; line-height: 107%; font-size: 11pt; font-family: Calibri, sans-serif;">Assists with the timely completion and investigation of assigned 314(b) requests.</li> <li style="margin: 0in 0in 0in 0px; line-height: 107%; font-size: 11pt; font-family: Calibri, sans-serif;">Completes annual BSA/AML/OFAC training requirements and keeps current with Money Laundering and Terrorist Financing trends.</li> <li style="margin: 0in 0in 0in 0px; line-height: 107%; font-size: 11pt; font-family: Calibri, sans-serif;">Provides support, guidance, and training of new staff and serves as the quality control reviewer for alerts, cases, and BSA UAR referrals.</li> <li style="margin: 0in 0in 0in 0px; line-height: 107%; font-size: 11pt; font-family: Calibri, sans-serif;">Assists in collecting documentation for examiners, auditors, law enforcement, and governmental agencies regarding fraudulent activity and BSA/AML monitoring records.</li> <li style="margin: 0in 0in 0in 0px; line-height: 107%; font-size: 11pt; font-family: Calibri, sans-serif;">Participates in moderate to complex project initiatives as the primary subject matter expert.</li> <li style="margin: 0in 0in 0in 0px; line-height: 107%; font-size: 11pt; font-family: Calibri, sans-serif;">Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance including bank secrecy and anti-money laundering laws appropriate to the position. </li> <li style="margin: 0in 0in 0in 0px; line-height: 107%; font-size: 11pt; font-family: Calibri, sans-serif;">Assists and identifies other investigative efforts within the department, including creating and working moderately complex cases.</li> <li style="margin: 0in 0in 0in 0px; line-height: 107%; font-size: 11pt; font-family: Calibri, sans-serif;">Understand CTR filing requirements and be able to answer basic questions.</li> <li style="margin: 0in 0in 0in 0px; line-height: 107%; font-size: 11pt; font-family: Calibri, sans-serif;">Assists with the training of new staff and acts as a resource for all team members regarding a variety of loss prevention and fraud scenarios.</li> <li style="margin: 0in 0in 0in 0px; line-height: 107%; font-size: 11pt; font-family: Calibri, sans-serif;">Assists in development and facilitation of fraud prevention and awareness for all branch and HQ staff as applicable. </li> <li style="margin: 0in 0in 0in 0px; line-height: 107%; font-size: 11pt; font-family: Calibri, sans-serif;">Maintain accurate tracking of work performed, which will be used in department performance measurements.</li> <li style="margin: 0in 0in 0in 0px; line-height: 107%; font-size: 11pt; font-family: Calibri, sans-serif;">Prepare police reports for all losses over the established thresholds or established behaviors outlined in department procedures. Work with law enforcement as required, providing updates or additional information as needed.</li> <li style="margin: 0in 0in 0in 0px; line-height: 107%; font-size: 11pt; font-family: Calibri, sans-serif;">Responds to law enforcement agencies and financial institutions requesting documentation and/or images to support investigations involving credit union losses. Perform other duties as assigned. </li> <li style="margin: 0in 0in 8pt 0px; line-height: 107%; font-size: 11pt; font-family: Calibri, sans-serif;">Perform other duties as assigned.</li> </ol> PHYSICAL SKILLS, ABILITIES, AND EXERTION UTILIZED IN THE PERFORMANCE OF THESE TASK: <ol style="margin-bottom: 0in; margin-top: 0px;"> <li style="margin: 0in 0in 0in 0px; line-height: 107%; font-size: 11pt; font-family: Calibri, sans-serif;">Effective oral and written communication skills required to assist other staff, constructively follow-up on member inquiries, communicate clearly with management, and perform other related tasks.</li> <li style="margin: 0in 0in 8pt 0px; line-height: 107%; font-size: 11pt; font-family: Calibri, sans-serif;">Must possess sufficient manual dexterity to skillfully operate an on-line computer terminal and other standard office equipment, such as financial calculators, personal computer, facsimile machine and telephone.</li> </ol> ORGANIZATIONAL CONTACTS & RELATIONSHIPS: <ol style="margin-bottom: 0in; margin-top: 0px;"> <li style="margin: 0in 0in 0in 0px; line-height: 107%; font-size: 11pt; font-family: Calibri, sans-serif;">INTERNAL: All business units and departments as needed.</li> <li style="margin: 0in 0in 8pt 0px; line-height: 107%; font-size: 11pt; font-family: Calibri, sans-serif;">EXTERNAL: Federal, state, and local law enforcement, vendors and business partners, and industry peers as needed.</li> </ol> QUALIFICATIONS: <ol style="margin-bottom: 0in; margin-top: 0px;"> <li style="margin: 0in 0in 0in 0px; line-height: 107%; font-size: 11pt; font-family: Calibri, sans-serif;">EDUCATION: Bachelor’s degree or combination of experience and education.</li> <li style="margin: 0in 0in 0in 0px; line-height: 107%; font-size: 11pt; font-family: Calibri, sans-serif;">EXPERIENCE: Minimum of 5-6 years of financial institution or law enforcement experience and Fraud, AML, or card fraud experience.</li> <li style="margin: 0in 0in 0in 0px; line-height: 107%; font-size: 11pt; font-family: Calibri, sans-serif;">KNOWLEDGE / SKILLS: <ul style="margin-bottom: 0in; margin-top: 0px;"> <li style="margin: 0in 0in 0in 0px; line-height: 107%; font-size: 11pt; font-family: Calibri, sans-serif;">Ability to effectively communicate with internal and external contacts.</li> <li style="margin: 0in 0in 0in 0px; line-height: 107%; font-size: 11pt; font-family: Calibri, sans-serif;">Knowledge of Credit Union products, services, policies & procedures.</li> <li style="margin: 0in 0in 0in 0px; line-height: 107%; font-size: 11pt; font-family: Calibri, sans-serif;">Operating knowledge of Visa regulations, AML/BSA, OFAC and Federal/State Regulations.</li> <li style="margin: 0in 0in 0in 0px; line-height: 107%; font-size: 11pt; font-family: Calibri, sans-serif;">Good organizational skills, including the ability to prioritize daily activities and multi-task to complete assignments.</li> <li style="margin: 0in 0in 0in 0px; line-height: 107%; font-size: 11pt; font-family: Calibri, sans-serif;">Strong attention to detail in working and investigating files with emphasis on deadlines.</li> <li style="margin: 0in 0in 0in 0px; line-height: 107%; font-size: 11pt; font-family: Calibri, sans-serif;">Effective oral and written communication skills.</li> <li style="margin: 0in 0in 0in 0px; line-height: 107%; font-size: 11pt; font-family: Calibri, sans-serif;">Basic Excel skills</li> <li style="margin: 0in 0in 0in 0px; line-height: 107%; font-size: 11pt; font-family: Calibri, sans-serif;">Knowledge to operate facsimile machine, ten key, microfiche, electronic banking equipment, basic PC knowledge of Windows environment, and office filing logic.</li> <li style="margin: 0in 0in 0in 0px; line-height: 107%; font-size: 11pt; font-family: Calibri, sans-serif;">Must be self-motivated and capable of working both independently as well as in a team environment.</li> <li style="margin: 0in 0in 8pt 0px; line-height: 107%; font-size: 11pt; font-family: Calibri, sans-serif;">Must be aware of high-risk activities to ensure regulatory compliance with check fraud regulations and Reg. E, Customer Identification Program (CIP), Customer Due Diligence/Enhanced Due Diligence, 314(b) Information Sharing requests, OFAC, and all investigations pertaining to potential fraud schemes or cybercrime. </li> </ul> </li> </ol> PHYSICAL REQUIREMENTS: <ol style="margin-bottom: 0in; margin-top: 0px;"> <li style="margin: 0in 0in 0in 0px; line-height: 107%; font-size: 11pt; font-family: Calibri, sans-serif;">Prolonged sitting throughout the workday with occasional mobility required.</li> <li style="margin: 0in 0in 0in 0px; line-height: 107%; font-size: 11pt; font-family: Calibri, sans-serif;">Corrected vision within the normal range.</li> <li style="margin: 0in 0in 0in 0px; line-height: 107%; font-size: 11pt; font-family: Calibri, sans-serif;">Hearing within normal range. A device to enhance hearing will be provided if needed.</li> <li style="margin: 0in 0in 8pt 0px; line-height: 107%; font-size: 11pt; font-family: Calibri, sans-serif;">Occasional movements throughout the department daily to interact with staff, accomplish tasks, etc.</li> </ol> LICENSES / CERTIFICATIONS: None required with a goal of attaining at least one of the following certifications or equivalent: Professional Certified Investigator (PCI), Certified Fraud Investigator (CFI), Certified Financial Crimes Investigator (CFCI), Certified Credit Union Compliance Expert (CUCE), Certified Fraud Examiner (CFE), Bank Secrecy Act Compliance Specialist (BSACS) as well as, or Certified Anti-Money Laundering Specialist (CAMS). Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records. #LI-Remote THIS JOB DESCRIPTION PROVIDES AN OVERVIEW OF THE GENERAL SCOPE AND LEVEL OF WORK EXPECTED TO BE PERFORMED, BUT IT IS NOT AN EXHAUSTIVE LIST OF ALL DUTIES OR RESPONSIBILITIES ASSOCIATED WITH THE POSITION. THE CREDIT UNION RESERVES THE RIGHT TO MODIFY, ADD, OR REMOVE DUTIES AS NEEDED WITHOUT ADVANCE NOTICE. EMPLOYEES MAY BE REQUIRED TO PERFORM ADDITIONAL TASKS AND DUTIES AS DIRECTED BY THEIR SUPERVISOR, PROVIDED SUCH TASKS ARE WITHIN THE EMPLOYEE’S KNOWLEDGE, SKILLS, AND ABILITIES, OR CAN BE PERFORMED WITH REASONABLE TRAINING. NOTHING IN THIS JOB DESCRIPTION ALTERS THE AT-WILL EMPLOYMENT RELATIONSHIP OR LIMITS THE CREDIT UNION’S RIGHT TO ASSIGN OR REASSIGN DUTIES AND RESPONSIBILITIES TO THIS POSITION AT ANY TIME. REV. 6/15/2026

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