Financial Crimes Investigator Full-time Do you have a knack for uncovering financial crime, seeing the story behind the transactions, and catching what others miss? Heritage Financial Credit Union invites you to join our team as a Financial Crimes Investigator. In this role you won’t just review alerts; you will build complete cases, trace suspicious activity, and craft regulatory-grade SARs that directly contribute to detecting and preventing financial crime. Position Purpose The Financial Crimes Investigator is responsible for independently conducting end-to-end investigations involving suspicious activity, fraud, sanctions concerns, and other financial crime risks. This role analyzes transactional behavior, identifies unusual patterns, and documents findings in alignment with regulatory expectations. The position requires strong judgment, the ability to manage a high-volume caseload, and consistent adherence to accuracy, regulatory compliance, and timely escalation protocols. Responsibilities Lead full-cycle investigations from initial alert through case resolution, including documentation, escalation, and recommended actions. Analyze transactional activity to identify potential suspicious behavior, fraud schemes, and financial crime typologies. Prepare and support timely, accurate filing of Suspicious Activity Reports (SARs) in accordance with BSA/AML requirements. Conduct sanctions and watchlist reviews to ensure compliance with OFAC obligations. Investigate fraud involving ACH, wires, debit cards, scams, and other payment channels. Conduct member interviews and gather supporting information to substantiate investigative conclusions. Recommend risk mitigation actions, including restrictions, account closures, or enhanced monitoring. Collaborate with internal partners—including branch operations, fraud teams, and compliance—to support investigative outcomes. Assist with internal audits, regulatory examinations, and information requests. Liaise with law enforcement and respond to subpoenas and investigative inquiries. Perform other duties as assigned. Qualifications Education: Bachelor’s degree or equivalent professional experience. Active Certified Anti-Money Laundering Specialist (CAMS) preferred or equivalent. Experience: 3–5 years of experience in AML/BSA investigations, fraud investigations, or financial crimes. Knowledge: Strong knowledge of KYC, CDD, and BSA/AML regulatory expectations; working knowledge of OFAC regulations and sanctions compliance. Experience in a credit union environment and familiarity with National Credit Union Administration regulatory expectations preferred. Experience with both fraud and AML/BSA investigative responsibilities preferred. Prior coordination with law enforcement or regulatory examiners preferred. Strong data-analysis skills, including trend identification and transactional pattern analysis preferred. Experience working in regulated environments subject to audits and examinations preferred. Skills and Abilities Strong investigative, critical thinking, and analytical skills. Ability to draft clear, concise, and well-supported SAR narratives. Effective interviewing and information-gathering skills. Ability to communicate complex findings to internal stakeholders and leadership. Demonstrated ability to make sound, risk-based decisions and articulate the rationale. Ability to work independently and manage multiple priorities in a fast-paced environment. Excellent verbal and written communication skills. Salary and Benefits Salary: $67,491.08 - $84,363.85 annually, based on experience. Paid Time Off & Paid Federal Holidays Medical, Dental, Vision & Life Insurance Employee Assistance Program Flexible Spending Accounts (FSA)/Health Savings Accounts (HSA) Supplement Benefits: Critical Illness Care, Identity Theft Protection, Pet Insurance, Legal Services BenefitsPlus+ perks program (travel, entertainment, gift cards and so much more) CareNet - benefits concierge service 401(k) with 5% Employer Match Educational Assistance Paid Time to Volunteer HFCU Logo-wear (that our employees wear with pride!) Equal Opportunity Statement Employment at our Credit Union is based upon merit, ability, and qualifications. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected status. #J-18808-Ljbffr