Fraud Investigator I

United Community Bank

Fraud Investigator I protecting customers from financial loss by investigating fraud claims and suspicious activity across various banking channels. Ensuring compliance and timely case resolution through strong analytical skills.

Posted 7/17/2026full-timeGreenville • South Carolina • 🇺🇸 United StatesMid-LevelSenior💰 $38,769 - $57,876 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates strong analytical and investigative skills to assess fraud claims and ensure compliance with banking regulations. Proficient in managing case documentation and customer communication while maintaining high attention to detail and accuracy.

Highest-signal resume keywords

Fraud InvestigationsRegulation E ComplianceBSA/AML KnowledgeCase Management SystemsCustomer Communication

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Fraud AnalysisInvestigative TechniquesAlert ReviewDocumentation AccuracyDecision-MakingRegulatory ComplianceFraud Platforms ProficiencyMicrosoft OfficeTransaction Pattern AnalysisEvidence Evaluation

Soft Skills

Excellent CommunicationEmpathyAttention to DetailSound JudgmentTime Management

Industry Keywords

BankingFinancial ServicesRisk ManagementDisputesCustomer ServiceNACHA RulesElder Financial ExploitationUCCFraud PreventionOperational Procedures

About the role

Key responsibilities & impact

Conduct investigations into suspected fraud involving debit cards, deposits, checks, ACH, wires, online banking, and other channels
Review account activity, transaction patterns, and supporting documentation to assess the validity of fraud claims
Gather and evaluate evidence from customers, internal systems, external institutions, and third-party sources
Contact customers as needed to obtain information, clarify transactions, and obtain supporting documents
Document all case activity, findings, and determinations accurately and within required timeframes using the fraud management system
Prepare and submit required reports (e.g., IC3) in accordance with internal guidelines
Prepare Letters of Indemnity (LOI), Hold Harmless Letters (HHL), and other fraud-related correspondence; follow up with external institutions as necessary
Ensure all investigative actions comply with bank policies, regulatory requirements, and applicable frameworks (e.g., Regulation E, NACHA, BSA/AML, card network rules)
Communicate with customers to gather facts, confirm activity, and support case resolution
Provide ongoing communication and support throughout the investigation process
Deliver professional and empathetic service, particularly when customers have experienced financial loss
Explain investigation outcomes, including approvals and denials, in a clear and supportive manner
Educate customers on fraud prevention and account security best practices
Partner with internal teams (e.g., Fraud Agents, Online Banking, Card Services, Deposit Operations, Branch Leadership) to support investigations and resolutions
Coordinate with Legal, Corporate Security, and Compliance on cases involving law enforcement, subpoenas, or regulatory matters
Escalate high-risk, complex, or emerging fraud trends to leadership
Share insights to help improve fraud prevention strategies and customer experience
Maintain accurate, complete, and compliant case records aligned with regulatory and internal requirements
Ensure adherence to all operational procedures and regulatory requirements
Manage a high volume of cases while maintaining accuracy and attention to detail
Balance investigative work with customer communication (inbound and outbound)
Complete investigations within required timelines
Produce well-supported, defensible decisions aligned with policy and evidence
Maintain clear, audit-ready documentation
Identify and pursue recovery opportunities when applicable
Participate in all required compliance training, including Bank Secrecy Act/anti-money laundering training, as well as internal and external training programs, online training, meetings, and seminars/conferences, etc.

Requirements

What you’ll need

High school diploma or equivalent
Minimum of 3+ years of experience in banking, financial services, fraud investigations, risk, disputes, customer service or a related field
Strong analytical and investigative skills with the ability to recognize suspicious activity and inconsistencies
High attention to detail and accuracy in alert review and documentation
Excellent communication skills with the ability to engage customers professionally and empathetically
Sound judgment and decision-making in routine to moderately complex situations
Ability to manage multiple priorities and maintain productivity in a fast-paced environment
Proficiency with fraud platforms, case management systems, and Microsoft Office
Working knowledge of applicable regulations, including: Regulation E, NACHA rules, Regulation CC, BSA/AML/OFAC requirements, UCC, Elder Financial Exploitation

Benefits

Comp & perks

Health insurance
Flexible working hours
Professional development