Senior Member Account Protection Investigator

Johnson Service Group (JSG) is seeking a Sr. Member Account Protection Investigator in North Orange County, CA.
Hybrid- 2 days a month in office
Monday- Friday variable shifts between 7:00am- 8:00pm
Hourly rate- $43.97- $54.00 DOE

Position Overview
Johnson Service Group (JSG) is partnering with a leading financial institution in North Orange County to identify an experienced Senior Member Account Protection Investigator to support a high-priority regulatory reporting initiative.
This position requires an experienced financial crimes investigator with strong knowledge of suspicious activity investigations, regulatory reporting requirements, and financial transaction monitoring. The successful candidate will conduct complex investigations, review transaction alerts, prepare case narratives and documentation for suspicious activity reporting, and ensure compliance with applicable regulatory requirements, including FinCEN guidelines.
This is an excellent opportunity for professionals with experience in fraud investigations, AML compliance, SAR preparation, and financial crime prevention who enjoy working in a fast-paced, highly regulated financial environment.
Key Responsibilities

• Conduct complex investigations involving suspicious transactions and potential financial crimes.
• Review and analyze fraud and transaction monitoring alerts to determine appropriate action and escalation.
• Prepare comprehensive case documentation and narratives to support Suspicious Activity Reports (SARs) and law enforcement referrals when necessary.
• Ensure compliance with applicable regulatory requirements, including FinCEN, BSA, Reg E, Reg CC, UCC, and NACHA guidelines.
• Investigate fraud losses for potential recovery and prosecution opportunities.
• Recommend and implement fraud mitigation strategies, including account restrictions and holds when appropriate.
• Analyze fraud trends, emerging risks, and organizational vulnerabilities and provide recommendations for remediation.
• Maintain detailed investigative documentation involving members, witnesses, suspects, financial institutions, and law enforcement agencies.
• Prepare management reports outlining fraud losses, trends, metrics, and emerging schemes.
• Provide guidance and mentorship to junior investigators and support fraud prevention initiatives across the organization.
• Participate in fraud awareness training and support internal and external investigations as needed.
• Serve as a subject matter expert for fraud detection systems and investigative processes.

Required Qualifications

• Bachelor's degree or equivalent professional experience in fraud investigations, financial crimes, compliance, or a related field.
• Minimum of 5 years of experience conducting financial crime investigations within banking, credit union, or financial services environments.
• Strong experience with:
  • Suspicious Activity Reports (SARs)
  • Transaction monitoring and alert investigations
  • Regulatory reporting
  • Fraud investigations and case management
  • FinCEN compliance requirements
• Exceptional investigative, analytical, and critical thinking skills.
• Excellent written communication skills with experience preparing detailed case narratives and investigative reports.
• Ability to manage multiple investigations simultaneously while maintaining attention to detail.
• Strong knowledge of banking operations, transaction processing, and financial crime regulations.

Preferred Qualifications

• Experience with financial crime platforms and core banking systems such as:
  • Symitar
  • Fiserv
  • FIS
  • Verafin
  • CLEAR
  • Enterprise Data Warehouse (EDW)
• Certified Fraud Examiner (CFE) certification preferred.
• Certified Anti-Money Laundering Specialist (CAMS) certification preferred.
• Previous experience mentoring or leading investigative teams is highly desirable.

Technical Skills

• Proficiency with Microsoft Office Suite, including:
  • Excel
  • Word
  • Outlook
• Strong ability to analyze transactional data, identify patterns, and document findings.
• Experience working with multiple financial systems and investigative platforms.

JSG offers medical, dental, vision, life insurance options, short-term disability, 401(k), weekly pay, and more. Johnson Service Group (JSG) is an Equal Opportunity Employer. JSG provides equal employment opportunities to all applicants and employees without regard to race, color, religion, sex, age, sexual orientation, gender identity, national origin, disability, marital status, protected veteran status, or any other characteristic protected by law.