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Fraud Operations Analyst II

Charlotte, NC

The Fraud Operations Analyst II participates in investigations regarding the control, detection and analysis of frauds to eliminate any eventual possibility of financial or image loss to the company. Under general supervision, this job participates in identifying potential fraud cases and taking appropriate action.

Key Responsibilities and Duties

  • Participates in investigations of alleged violations of the corporation’s ethical standards and non-compliance with applicable laws, regulations and corporate policy issues.

  • Conducts routine audits of corporate departments to ensure compliance and manages the process of correcting noncompliance and compliance gaps.

  • Uses data analysis and software to identify potential cases of fraud such as embezzlement, counterfeiting, cloning, tumbling, piggy-backing, etc.

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  • Monitors existing and potential fraudulent situations to protect the company’s financial and operational situation.

  • Provides fraud documentation for prosecution to law enforcement agencies.

  • Researches account activity in order to assess levels of risk.
  • Educational Requirements
    • University (Degree) Preferred
    Work Experience
    • 2+ Years Required; 3+ Years Preferred
    FINRA Registrations
    • SRC Indicator: NRF
    Physical Requirements
    • Physical Requirements: Sedentary Work

    Career Level

    This position is for the Client Intelligence Unit (CIU) Analyst II – Bank Fraud Investigations. The CIU serves as the first line of defense against fraud and money laundering for the bank. This position is primarily responsible for external customer fraud triage, mitigation, investigation and recovery activities on known fraud or unusual activity. Investigations may range from simple to investigations that are more complex. In addition, the position will collaborate with AML, Internal Investigations, TIAA Bank and other business partners in investigating external customer fraud incidents.

    Fraud investigation involves developing evidence and documenting information required for the appropriate resolution of allegations or other indications of a wide variety of suspected fraud.

    This individual will resolve these instances via an application of professional investigative knowledge, skills, and expertise that includes:

    • Assessing and evaluating incomplete and unverified initial information
    • Planning and conduct of investigations
    • Coordinating investigative work with management and others
    • Developing sources of information
    • Obtaining and analyzing potential evidence
    • Applying applicable legal and professional standards
    • Conducting and documenting interviews
    • Documenting and reporting of investigations
    • Participating in post-investigation activities such as providing testimony at hearings and trials

    The CIU Analyst II will report to the CIU Bank Manager of Fraud Investigations. Additionally, this candidate will be required to work closely with the other CIU analysts.

    Required Qualifications:

    Minimum of one (1) year of experience in performing fraud investigations, from case inception through final resolution, of relevant financial crimes within the financial services industry (e.g. fraud or operational risk) OR three (3) years in sworn law enforcement related to financial crimes investigations.

    Preferred Qualifications:

    • BS/BA Degree in Criminal Justice or related field 
    • Certified Financial Crimes Investigator (CFCI), Certified Computer Crimes Investigator (CCCI) or other related professional certification(s)
    • Completion of a formal training program leading to a certificate related to forensic examinations, fraud investigation or white collar crime investigation

    Potential Salary: $68,800.00 USD

    Actual base salary may vary based upon, but not limited to, relevant experience, time in role, base salary of internal peers, prior performance, business sector, and geographic location.  In addition to base salary, the competitive compensation package may include, depending on the role, participation in an incentive program linked to performance (for example, annual discretionary incentive programs, non-annual sales incentive plans, or other non-annual incentive plans). 


    Company Overview

    As a part of TIAA’s Financial Solutions business, TIAA Bank, a division of TIAA, FSB, provides full-service, nationwide banking and lending services to consumer, commercial and institutional clients through a variety of channels, including online, its Florida-based financial centers and at other business offices throughout the country. 

    COVID-19 Vaccination

    TIAA requires all U.S. employees to be fully vaccinated against COVID-19 and provide documentation of full vaccination, unless you qualify for an accommodation as determined by TIAA consistent with applicable law.

    Benefits and Total Rewards

    The organization is committed to making financial well-being possible for its clients, and is equally committed to the well-being of our associates. That’s why we offer a comprehensive Total Rewards package designed to make a positive difference in the lives of our associates and their loved ones. Our benefits include a superior retirement program and highly competitive health, wellness and work life offerings that can help you achieve and maintain your best possible physical, emotional and financial well-being. To learn more about your benefits, please review our Benefits Summary.

    Equal Opportunity

    We are an Equal Opportunity/Affirmative Action Employer. We consider all qualified applicants for employment regardless of age, race, color, national origin, sex, religion, veteran status, disability, sexual orientation, gender identity, or any other protected status.

    Read more about the Equal Opportunity Law here.

    Accessibility Support

    TIAA offers support for those who need assistance with our online application process to provide an equal employment opportunity to all job seekers, including individuals with disabilities. 

    If you are a U.S. applicant and desire a reasonable accommodation to complete a job application please use one of the below options to contact our accessibility support team: 

    Phone: (800) 842-2755


    Privacy Notices

    For residents of California, please click here to access the TIAA CA Applicant Privacy Notice.

    For residents of the EU / UK, please click here to access the EU / UK Pre-employment Notice.

    For all other residents, click here to access the Applicant Privacy Notice.

    Job ID: c42cf0eca005abf3ac8884b626e66847471b730fe91c8269101759b3fc8f1499
    Employment Type: Other