Fraud Specialist

Fraud Specialist

Department: Fraud Services

Role Type: Individual Contributor

Why This Role Matters

The Fraud Specialist helps protect members and the credit union from financial loss by identifying, investigating, and mitigating account and card fraud. This role strengthens member trust by responding quickly, communicating with empathy, and ensuring fraud prevention efforts align with regulatory requirements and internal standards.

What You’ll Do

• Monitor fraud detection systems and account activity to identify suspicious transactions and reduce potential losses.


• Investigate fraud claims, affidavits, alerts, and member disputes across card, account, digital, and payment channels.


• Resolve fraud-related issues by taking timely action on accounts, restrictions, claims, and member communications.


• Collaborate with internal teams, third-party vendors, card processors, law enforcement, and compliance partners to coordinate fraud mitigation efforts.


• Identify emerging fraud trends and recommend actions that help strengthen prevention, monitoring, and response practices.


• Maintain compliance with applicable Federal, State, NCUA, BSA, CIP, CDD, CTR, SAR, OFAC, and internal requirements.


• Deliver respectful, empathetic service that supports member confidence during sensitive fraud-related situations.

Why You’ll Love This Role

• Make a direct impact by helping protect members’ financial well-being and preserving their trust in the credit union.


• Work in a fast-moving environment where investigative thinking, problem solving, and sound judgment matter every day.


• Partner with teams across the organization, vendors, and external agencies to solve complex fraud challenges.


• Build deep expertise in fraud prevention tools, regulatory requirements, and evolving financial crime trends.


• Serve members with empathy during high-stress situations while helping create safer banking experiences.

Experience:

    Required

• 
  

  A minimum of 3 years of customer service experience

  
  


• 
  

  A minimum of 2 years of financial services industry experience with preferred knowledge of account, debit card, or credit card servicing

  
  

    Preferred 

• Fraud mitigation experience and training

Skills & Knowledge:

    Required

• Strong verbal and written communication skills


• Highly analytical and results-driven


• Strong organizational skills


• Working knowledge of Regulation E and Regulation Z error resolution requirements


• Ability to prioritize and complete multiple tasks in a high production environment


• Ability to maintain professionalism under fast-paced conditions


• Computer and Technical aptitude in various systems, specifically Microsoft (Access, Word, Excel, Outlook).


• Preferred experience with Symitar, Synapsys, Client Central, Lumin, Tranzact, Pindrop, and Jack Henry and Associates applications


• Service-oriented


• Self-motivated, with the ability to work with minimum supervision


• Ability to work with internal and external constituents and achieve a positive outcome

    Preferred 

• A strong and proven desire to positively impact members of our community's lives and their financial well-being

Education:

    Required

• High School diploma or equivalent

    Preferred 

• 
  

  BS/BA college degree in applied sciences, mathematics, statistics, economics, finance, or Criminal Justice is highly desired

  
  

Licenses & Certifications:

      Preferred

• CFE

Schedule: Monday-Friday, 8:30 am-5:30 pm

Compensation Details:

Paygrade: 1CA

The expected pay range for this position is $23.77 to $25.73 per hour.

Credit Human is committed to equitable and transparent compensation practices. Final compensation is determined based on a variety of factors, including experience, skills, qualifications, internal equity, and geographic work location.

This role may also be eligible for:

• Bonus opportunity up to 4%

Employees are eligible for a comprehensive benefits package, including:

• Medical, dental, and vision insurance


• Pension


• Paid time off and company holidays


• Tuition reimbursement

To get to know Credit Human and learn more about our benefits, visit our careers page at www.credithuman.com/careers.

Job Location: This position is onsite based in San Antonio, TX.

Credit Human conducts employment background checks that may be used for decisions related to employment. Standard checks include NCUA Administrative and Prohibited Orders, ChexSystems, employment verification, criminal history (convictions and outstanding warrants within the past seven years), and degree verification (if applicable). Additional checks may include motor vehicle records, credit checks, or fingerprinting depending on the role.

Applicants must be currently authorized to work in the United States on a full-time basis.

Credit Human is committed to equitable and transparent pay practices. The compensation range listed above represents a good-faith estimate of what we expect to pay for this position at the time of posting. Final compensation will be determined based on experience, qualifications, internal equity, and business needs.