Financial Crimes Investigator

First Defiance Financial Corp. Defiance , OH 43512

Posted 10 months ago


Under the supervision of the Financial Crimes Supervisor, the Financial Crimes Investigator is responsible for detecting internal and external fraud and other suspicious activity; researching and documenting current procedures and processes that impact fraud and BSA/AML, and coordinating investigations. The investigator also researches, documents, and helps implement best practices in the industry with regard to fraud prevention and BSA/AML compliance. This includes the responsibility for any ancillary systems needed to detect fraud and other suspicious activity. The investigator assists the Director and Supervisor with various Fraud and BSA related functions. Demonstrate and implement our Trusted Advisor strategy to all internal and external customers.


  • Review various fraud and AML reports and report any suspicious items to the Director and Supervisor

  • Assist in coordinating and conducting fraud and BSA/AML investigations of abusive, fraudulent, illegal, or improper activities leading to the identification, arrest, and conviction of suspects and recovery or restitution of respective losses

  • Work with operational and retail lines of business to investigate transactions that are suspicious in nature

  • Partner with local, state and federal authorities in the coordination of investigations including retrieving and organizing bank documentation for law enforcement review involving fraud and BSA/AML

  • Track and submit periodic reports to the Supervisor concerning FFB's on-going record of fraud prevention and losses

  • Assist in the annual enhanced due diligence reviews of high-risk customers and accounts

  • Complete Currency Transaction Reports (CTRs) and Suspicious Activity Reports (SARs) within the regulatory time-frames established

  • Assist with the review and enhancement of FRAML Software Rules to ensure alerts are strongly associated with the Bank's risk profile

  • Assist Supervisor and Director with internal and regulatory audits

  • Assist the Supervisor to ensure prompt and adequate responses to all regulatory exam and internal audit requests, and assist to initiate the necessary corrective action(s) in response to examination and/or internal audit findings

  • Participate in the completion of the CIP exception reporting process

  • Perform duties to ensure OFAC compliance

  • Complete all job-related training in a timely manner and attend seminars or continuing education, as directed

  • Assist in the development, coordination, and facilitation of training programs to educate bank personnel about fraud and BSA/AML related issues

  • Maintain proficient knowledge of the rules and regulations for overall BSA/AML/OFAC Program

  • Continuously review opportunities to improve processes within the department for efficiency improvements and potential cost savings

  • Interact with others (co-workers, management, clients, and vendors) in a professional and tactful manner including treating them with respect and consideration regardless of their status or position

  • Perform other duties as assigned



Bachelor's Degree in business related field or equivalent combination of education and experience. Certified Anti-Money Laundering Specialist (CAMS) or Certified Fraud Examiner (CFE) certification preferred but not required.


Minimum 3-4 years banking experience, career progression in risk management, banking operations, and/or branch experience preferred.


Proficient in Microsoft Excel, Word, and Outlook; Proficiency in data analysis.

Responsible for knowing and ensuring compliance with applicable laws, regulations and guidelines, as detailed in policies that include but are not limited to Bank Secrecy Act, Right to Financial Privacy, and other applicable anti-money-laundering rules, Fair Lending, Community Reinvestment Act, Gramm-Leach-Bliley Act, and other laws and regulations as they pertain to the position.


Proven ability to work without significant supervision and completing tasks by assigned deadlines; Strong communication skills with the ability to interact with external customer and internal staff including the Frontline, Middle management and Senior management; Strong written communication and analytical thinking with the ability to solve both uncomplicated and complex problems independently; Ability to manage multiple concurrent projects; Ability to utilize technology in solving problems and performing duties.

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Financial Crimes Investigator

First Defiance Financial Corp.