Investigator II

About the role

As the Corporate Security & Resilience (CS&R) Investigator II, you will undertake independent fact-finding investigations related to both criminal and noncriminal matters impacting Citizens, our colleagues, and/or our customers. This role will lead a variety of investigations on an independent basis and support larger, more complex investigations, potentially including ones of a sensitive nature. The role holder will support the ongoing success of the Investigations function within Corporate Security & Resilience by providing an independent and objective investigations service, including but not limited to: conducting interviews, liaison with law enforcement, recovery of stolen funds, actions to avert losses, and representing Citizens in criminal or civil court proceedings. You will also ensure clear knowledge and compliance with the SAR program, Bank Secrecy Act reporting, and all applicable laws.

Responsibilities

• Conducts routine and more complex investigations into incidents of check fraud, card fraud, loan fraud, insider fraud, and organized crime groups. Activities include research, interviews, and travel within jurisdictions to pursue criminal or civil recourse against those who commit crimes against Citizens or its customers.
• Prepares investigative case notes, written reports, and Suspicious Activity Reports (SAR) to document events, ensure compliance with state and federal laws, and meet Bank Secrecy Act requirements.
• Interacts with law enforcement agencies to identify suspects and prepares evidence for prosecutable cases.
• Collaborates with industry peers and law enforcement agencies to identify suspects, trends, judicial processes, and related activities concerning financial crimes.
• Makes determinations on whether evidence is sufficient for criminal complaints.
• Engages in efforts to recover funds on behalf of Citizens N.A. related to financial crimes, directly impacting financial reporting and returning funds to customers or impacted business lines.
• Generates awareness of fraud activity through Fraud Alerts related to ongoing financial crimes in targeted areas, assisting with identifying or apprehending suspects or raising general awareness of specific schemes.

Requirements

• 3 or more years of current experience in investigations, financial fraud, and/or legal fields. Experience in banking, financial services, or retail sectors is preferred.
• Awareness of legal, statutory, and regulatory environments, especially as they relate to investigations within banking institutions.
• Experience with or an affinity for interviewing internal and external parties.
• Strong computer and software skills, including the use of databases, spreadsheets, and familiarity with MS Office Suite (Excel, PowerPoint, Outlook).
• Clear communication skills, both verbal and written.
• Understanding of banking policies and procedures related to staff gross misconduct, systems, operational procedures, regulation, compliance, and corporate governance is preferred.
• Working knowledge of investigative or research capabilities, search engines, and open-source intelligence.

Qualifications

• Associate’s Degree in Criminal Justice or a related field.
• Certified Fraud Examiner (CFE) certification is preferred.

Schedule

Hours per Week: 40
Work Schedule: Monday through Friday, 8:30 AM – 5:00 PM

Pay

The salary range for this position is $70,000–$85,000 per year, plus an opportunity to earn additional incentive earnings (if applicable). Actual pay is based on various factors including, but not limited to, the budget, work location, and relevant skills and experience.

Benefits

• Competitive pay.
• Comprehensive medical, dental, and vision coverage.
• Retirement benefits.
• Maternity/paternity leave.
• Flexible work arrangements.
• Education reimbursement.
• Wellness programs.
• Paid time off policy that exceeds mandatory paid sick or paid time-away requirements in every U.S. local and state jurisdiction.

For an overview of our benefits, visit Citizens Benefits.