Financial Crimes Specialist

Position Summary

Metro Credit Union is seeking a Financial Crimes Specialist to join our growing Financial Crimes team. This role is at the frontline of protecting our members from fraud and financial crime, directly preventing losses and safeguarding member accounts. You'll be a trusted partner to members during critical moments—investigating suspected fraud, educating members on identity theft prevention, and working across teams to enhance fraud detection systems. This is an opportunity to join a fun, collaborative, and dynamic team with direct and visible impact on member protection and community safety.

What You'll Do

• Fraud Detection & Investigation: Analyze fraud alerts and ad-hoc reports to proactively identify fraudulent transactions; investigate contact events and internal referrals per established procedures to identify and address fraudulent behaviors.
• Member Interaction & Education: Interview members to obtain facts and assist with fraud identification; educate and coach members on identity theft prevention and response.
• Phone Queue Coverage & Case Management: Assist with Financial Crimes phone queue coverage to maintain service levels; handle incoming calls from members and internal departments regarding suspected fraud; escalate complex cases as needed to senior team members or management.
• Loss Prevention & Account Protection: Freeze member accounts and channel access to prevent or reduce loss exposure; perform monetary transactions to reduce loss exposure.
• Regulatory Compliance: Prepare narratives to support FinCEN Suspicious Activity Reports (SAR) filing requirements.
• Cross-Functional Collaboration: Act as liaison to other financial institutions and law enforcement agencies, providing information or documentation to assist in criminal investigations; refer accounts with realized losses to Collections and Recovery for further action.
• Continuous Improvement: Analyze losses to identify fraud trends and make recommendations to management to adjust parameters of fraud detection systems.
• Representation & Committee Participation: Represent the Credit Union on committees and attend meetings as required.
• AI Proficiency & Microsoft Copilot: Champion AI optimization and process improvement by actively utilizing the organization's Microsoft Copilot and other AI-powered tools to enhance productivity, streamline workflows, and drive operational efficiencies across the Financial Crimes team.

What You'll Bring

• A high school diploma or equivalent strongly preferred
• 1–3 years of related experience in financial services, fraud and security, or financial crimes
• Strong verbal and written communication skills, with the ability to clearly document and explain fraud-related activity
• Strong attention to detail, with the ability to identify patterns and detect suspicious transactions
• Strong interpersonal skills, with the ability to support and guide members through sensitive fraud situations
• Proficiency with computer systems and ability to navigate fraud detection tools and platforms

Why Join Our Team

• Compensation & Benefits Summary: Comprehensive Health Coverage, Health, Dental, and Vision coverage for employees working minimum 20 hours per week. Metro provides assistance toward premiums and copays and offers 100% coverage on prescription copays through the Prescription Drug Program. Time Off: Three weeks of paid vacation per year and 11 paid holidays, supporting work-life balance from day one. Competitive Compensation: Annual bonuses for all staff, including both annual performance bonus and annual vesting retention bonus. Robust Retirement Benefits: 401(k) retirement matching plan and Safe Harbor Plan. Metro contributes 3% regardless of employee contribution, ensuring your financial future is secured.
• Wellness & Financial Support: Wellness incentives, Employee Assistance Program, Flexible Spending Account, and range of voluntary benefits including LTD, STD, and AD&D. Access to no-interest loans and $150 per quarter reimbursement for wellness and lifestyle expenses.
• Career Development: Strong growth opportunities with individualized development plans. Position-related tuition assistance available after one year of eligibility. Superb in-house training programs to build your skills.
• Additional Perks: Discounts on pet insurance. A growing, dynamic work environment with strong culture and exceptional team members who are passionate about serving our community.

About Metro Credit Union

Metro Credit Union is the largest state-chartered credit union in Massachusetts, with $3.4 billion in assets. Metro provides a full range of financial products to more than 200,000 members in Barnstable, Bristol, Essex, Franklin, Hampden, Hampshire, Middlesex, Norfolk, Plymouth, Suffolk, and Worcester counties in Massachusetts, and Cheshire, Hillsborough, Merrimack, Rockingham, and Strafford counties in New Hampshire. Metro is the credit union of choice for employees at over 1,200 companies through its Metro@work program. Founded in 1926, Metro currently operates branch offices in Boston, Burlington, Chelsea, Dorchester, Framingham, Lawrence, Lynn, Medford, Melrose, Newton, Peabody, Reading, Salem, Tewksbury, and West Roxbury. Metro is also a Juntos Avanzamos ("Together We Advance") designated credit union, an honor given to financial institutions for their commitment to serving and empowering Hispanic and immigrant consumers. Metro was recently named among the most charitable companies in Massachusetts by the Boston Business Journal; voted Top Credit Union in Banker & Tradesman's Best of 2025 awards; and recognized as one of America's Best Regional Banks and Credit Unions in 2025 by Newsweek. Learn more at MetroCU.org.