Financial Investigations Manager

Join in the Battle for Better Banking.

Battle Bank is a national bank dedicated to helping savvy consumers rid themselves of their existing banking institutions that continue to offer little to no value in their financial relationships.  The bank’s mission is to revolutionize banking, as we believe clients deserve intuitive banking, high yields, access to precious metals and global markets and premium service. 

Battle Bank, N.A. is seeking a Financial Investigations Manager to lead and continuously improve the Bank’s financial crimes and fraud prevention efforts, protecting the Bank and its customers from financial loss. This role oversees transaction monitoring, ACH file review and approval, fraud investigations, dispute resolution, loss recovery, and the review of flagged or escalated applications. The Manager leads and develops the financial investigations team and partners with Compliance and business lines to strengthen controls, address emerging risks, and ensure compliance with regulatory requirements and internal policies. The role also provides management reporting and supports internal audits and regulatory examinations.

The Financial Investigations Manager will report directly to the Head of Banking Operations and be a member of the Banking team.  This is a full-time position, with an annual salary range of $105,000 - $125,000 depending on experience.  Battle Bank, N.A. offers a generous PTO policy, health, dental and vision insurance, term life, AD&D insurance and employer contributions to a 401(k) plan.

Essential Duties and Responsibilities: To perform this job successfully, the Financial Investigations Manager must be able to perform the following duties satisfactorily. Additional duties may be assigned as needed. 

• Oversee daily monitoring of account and transaction activity across deposit, payment, and wire channels to identify unusual or suspicious behavior.
• Review, prioritize, and manage alerts generated by monitoring systems, ensuring timely disposition and complete documentation.
• Evaluate monitoring rules, thresholds, and scenarios, and recommend tuning to improve detection and reduce false positives.
• Escalate suspicious activity to BSA/AML and Compliance and support the preparation and filing of Suspicious Activity Reports (SARs) as required.
• Produce monitoring metrics, trend reports, and management updates for senior leadership.
• Direct the review and approval of ACH origination files, verifying them against customer agreements, exposure limits, and risk criteria before release.
• Identify and resolve anomalies such as unusual file volumes, unexpected dollar amounts, new originators, or changes in payment patterns.
• Ensure ACH activity complies with NACHA Operating Rules, Regulation E, and internal ACH policies and procedures.
• Maintain dual-control and segregation-of-duties standards for file approval, and ensure that approval decisions are documented.
• Coordinate with Operations Managers, and clients to resolve file exceptions, holds, and returns promptly.
• Lead investigations into suspected fraud, including check fraud, account takeover, debit card fraud, and electronic payment fraud.
• Gather and analyze evidence, document findings, and determine the root cause and financial impact of each case.
• Take timely action to contain loss, including account restrictions, holds, and recovery efforts, and coordinate with customers, other financial institutions, and law enforcement as needed.
• Maintain case files that are complete, accurate, and ready for audit or regulatory review.
• Identify fraud trends and control gaps, and recommend process, system, and policy improvements to strengthen prevention.
• Manage the end-to-end dispute process for unauthorized, erroneous, and fraudulent transactions, including intake, investigation, provisional credit, and final resolution.
• Ensure disputes are handled within the timeframes required by Regulation E, UCC4A, and card network and payment rules.
• Review fraud affidavits and supporting documentation, and make well-supported determinations on dispute outcomes.
• Oversee chargebacks, claims, and recovery activity, and track loss and recovery results.
• Provide clear, professional communication to customers and internal partners on dispute status and outcomes.
• Oversee the manual review of applications that are flagged by automated screening, verifying identity, documentation, and risk indicators before approval or decline.
• Review applications escalated by front-line and operations staff, and make well-documented decisions to approve, decline, or request additional information.
• Apply Customer Identification Program (CIP), OFAC, and fraud-risk criteria consistently, and refer suspicious applications to BSA/AML and Compliance as required.
• Monitor review queues, escalation volumes, and turnaround times to ensure applications are resolved within service-level expectations.
• Identify trends in escalated applications and recommend improvements to screening rules, procedures, and staff guidance.
• Supervise, coach, and develop financial crimes staff, setting clear performance expectations and promoting a strong control culture.
• Develop and maintain policies, procedures, and job aids for each area of responsibility.
• Support internal audit, regulatory examinations, and quality assurance reviews, and ensure that findings are remediated on time.
• Partner with Compliance, Information Security, Risk, and business lines on emerging threats and regulatory change.

Competencies: To perform the job successfully, an individual should demonstrate the following.

• Communication - Excellent written and verbal communication, including clear case documentation and regulatory reporting.
• Job Knowledge – Strong analytical, investigative skills, with knowledge of Banking operations, and Fraud investigations. Fluent in Banking regulations.
• Judgment - Ability to make timely decisions in high-pressure, time-sensitive situations.
• Leadership – Proven leadership, coaching, and team development abilities.
• Integrity - High standard of integrity and discretion in handling confidential customer and investigative information.

Qualifications: To perform this job successfully, the requirements below represent the education, experience, skills, and abilities needed to perform the essential duties of this position. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

Education/Experience: Bachelor's degree in Business, Finance, Criminal Justice, or a related field, or equivalent experience. Five or more years of experience in financial crimes, fraud, BSA/AML, or banking operations, including at least two years in a supervisory role. Working knowledge of NACHA Operating Rules, Regulation E, BSA/AML requirements, and OFAC regulations. Experience with transaction monitoring platforms, case management systems, and ACH processing systems. Professional certification such as CAMS, CFE, or CFCS is preferred.

Language Ability: Ability to read, write, and communicate effectively in English with customers, clients, employees, and management. 

Reasoning Ability: Ability to apply sound judgment and logical thinking to practical and analytical problems.

Computer Skills: Proficiency with Microsoft Office products, including Excel, Word, Outlook, teams and PowerPoint.

Work Environment: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually moderate. The work environment is fast-paced, and heavily reliant on technology.  The individual must be comfortable with computer systems, email, web-based applications and a paperless environment. Ideal candidate will work on-site in an office located in Islandia, NY. Remote work opportunities are available.

Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly required to sit; talk and hear and use hands to execute tasks.  The employee is occasionally required to stand and walk. The employee must be able to occasionally lift and/or move up to 10 pounds.

The above job description is not intended to be an all-inclusive list of duties and standards of the position.  

Battle Bank, N.A. is an equal opportunity employer and will make all employment decisions without regard to race, color, religion, national origin, ancestry, age, sex, pregnancy, marital status, sexual orientation, gender identity, citizenship status, disability, veteran status or other protected status, in accordance with federal, state and local laws.

• We are looking for direct candidate applications only. Please no recruiters or agencies.