• Review and investigate alerts generated from transaction monitoring systems using a risk-based approach to identify potentially suspicious activity or unusual behavior. • Analyze transactional activity, payment flows, customer behavior, and account activity to identify anomalies, red flags, pass-through activity, layering concerns, or unusual patterns. • Conduct customer due diligence reviews utilizing internal systems, KYC/CIP information, transactional analysis, and external research tools. • Document investigative findings clearly, accurately, and professionally within case management systems in accordance with BSA/AML documentation standards. • Prepare detailed alert narratives that clearly explain the activity reviewed, investigative steps performed, findings identified, and rationale for disposition decisions. • Escalate higher-risk, complex, or potentially suspicious activity to the Case Investigation Team for enhanced review and potential SAR determination. • Maintain investigative documentation and supporting evidence, including screenshots, research findings, and transaction analysis, sufficient to support quality assurance, audit, and regulatory review. • Review transactional history to identify expected versus unusual customer behavior patterns and determine whether activity aligns with product usage expectations. • Support FinCEN 314(a) and 314(b) information sharing requests and assist with law enforcement inquiries and legal process responses under the direction of senior staff. • Collaborate with Case Analysts, Quality Assurance, Compliance, Fraud, and internal stakeholders to support ongoing investigations and operational objectives. • Meet established service level agreements (SLAs), productivity standards, and quality expectations for assigned alert queues. • Maintain current knowledge of BSA/AML regulations, OFAC requirements, FinCEN guidance, financial crime typologies, and internal procedures. • Support ongoing process improvements, procedural updates, training initiatives, and quality enhancement efforts within the Operations Team.

• Manage, develop, and hire (as needed) a team of KYC Operations Analysts, fostering high performance and operational rigor. • Set individual and team KPIs; provide regular reporting and insights on the health of KYC Operations. • Oversee the end-to-end KYC review process across all MoonPay products, ensuring quality, consistency, and compliance with regulatory requirements and internal policies. • Own QA frameworks for the KYC team; monitor output quality and implement corrective actions where needed. • Own and continuously improve KYC operational workflows, procedures, and documentation while translating compliance policy into clear, scalable operational processes. • Identify and propose improvements to tooling, workflows, and automation, partnering with Product and senior stakeholders to scope, prioritize, and implement changes that reduce handling time and improve the customer onboarding experience. • Drive strategic alignment across Compliance, Legal, Product, and Operations, actively influencing decisions on customer due diligence requirements, risk controls, and future-state onboarding experiences. • Act as the operational domain authority on KYC for the team and adjacent functions - the go-to person for process questions, customer escalations, and operational guidance. • Manage day-to-day operations with identity vendors, partnering with Product and Compliance on vendor KPI performance, workflow logic, change management & ongoing feedback.

• Take ownership of the framework for continuous improvement of CDD methodology: onboarding & regular review. • Monitor account closures for integrity reasons and create controls in CDD to address the gaps in CDD methodology. • Work closely with the Machine Learning engineers on monitoring and continuous improvement of the accuracy of Customer Risk Assessment models. • Research new vendors and methods of conducting CDD and verification of customer identity. • Work closely with the Product Managers on the implementation of improvements to the CDD process. • Draft guidance documents and provide regular training to 1LOD CDD team in relation to various risk elements of CDD. • Participate in Enterprise Wide Risk Assessment cycle by providing input on CDD related risks. • Initiate and take responsibility for ad hoc project work within the department.

Role Description The Investigator II is an experienced level position within the Fraud department. Responsible for detecting, reviewing, and reporting potential suspicious activities filtered by various AML systems. As an Investigator II, you will investigate external inquiries via law enforcement request, internal investigations for other groups (fraudulent instruments and inquiries), and other related transactional activity. Supports leadership and the investigations team in maintaining compliance with Golden 1 Credit Union’s fraud prevention program. Assist with training and coaching of new and existing employees across various business lines and execute special investigations. Tasks, Duties, Functions - Utilizes knowledge of credit union systems, processes, and contacts as resources for conducting investigations. - Develops a plan of action and gathers, analyzes, and compiles evidence for multiple case assignments. - Prepares case documentation and writes a complete final summary report of investigation. - Investigate and respond to check fraud claims as received by members and/or other financial institutions. - Investigate suspicious activity cases generated by the internal automated AML/BSA monitoring system or Unusual Activity Referrals reported by branch personnel and other lines of business. - Review cases assigned for closure to ensure Verafin case has proper coding, and all steps are taken prior to closing account in DSUI. - Assesses internal controls and procedures associated with assigned cases, identifying control breakdowns and makes recommendations to prevent future losses. - Assists with determining new procedures to prevent, detect, and investigate fraudulent activity. - Reviews fraud data to ensure accuracy for reporting and audit purposes. - Assist with computer crime investigations and investigate breaches of information security policies as requested. - Prepares recommendations as to whether a member’s transactional activity is fraudulent and thereby requiring a BSA UAR referral. - Reviews individuals’ and entities’ accounts reported in a police report utilizing different management systems to determine if other suspicious activity noted in the accounts should be reported. - Prepares police report and/or BSA UAR referral if necessary. - Performs red flag alert reviews on account activity for submitted fraud closures, determines if the previously reported fraudulent activity has continued or ceased. - Files supplemental police report if additional suspicious activity is identified and works with BSA SAR Investigator on continued 90-day fraud referrals. - Assist with auditing Investigator I BSA narratives prior to submitting to BSA department. - Maintains current information on various systems as well as required files and documentation. - Ensures records are complete and available for review and audit as needed. - Complies with regulatory requirements, security, and applicable policies and identifies control and procedural issues. - Serves as resource to branches/departments inquiries related to financial investigations questions. - Assists with the timely completion and investigation of assigned 314(b) requests. - Completes annual BSA/AML/OFAC training requirements and keeps current with Money Laundering and Terrorist Financing trends. - Provides support, guidance, and training of new staff and serves as the quality control reviewer for alerts, cases, and BSA UAR referrals. - Assists in collecting documentation for examiners, auditors, law enforcement, and governmental agencies regarding fraudulent activity and BSA/AML monitoring records. - Participates in moderate to complex project initiatives as the primary subject matter expert. - Maintain a thorough understanding of state and federal laws and regulations related to credit union compliance. - Assists and identifies other investigative efforts within the department, including creating and working moderately complex cases. - Understand CTR filing requirements and be able to answer basic questions. - Assists with the training of new staff and acts as a resource for all team members regarding a variety of loss prevention and fraud scenarios. - Assists in development and facilitation of fraud prevention and awareness for all branch and HQ staff as applicable. - Maintain accurate tracking of work performed, which will be used in department performance measurements. - Prepare police reports for all losses over the established thresholds or established behaviors outlined in department procedures. - Work with law enforcement as required, providing updates or additional information as needed. - Responds to law enforcement agencies and financial institutions requesting documentation and/or images to support investigations involving credit union losses. - Perform other duties as assigned. Qualifications - Bachelor’s degree or combination of experience and education. - Minimum of 5-6 years of financial institution or law enforcement experience and Fraud, AML, or card fraud experience. Knowledge / Skills - Ability to effectively communicate with internal and external contacts. - Knowledge of Credit Union products, services, policies & procedures. - Operating knowledge of Visa regulations, AML/BSA, OFAC and Federal/State Regulations. - Good organizational skills, including the ability to prioritize daily activities and multi-task to complete assignments. - Strong attention to detail in working and investigating files with emphasis on deadlines. - Effective oral and written communication skills. - Basic Excel skills. - Knowledge to operate facsimile machine, ten key, microfiche, electronic banking equipment, basic PC knowledge of Windows environment, and office filing logic. - Must be self-motivated and capable of working both independently as well as in a team environment. - Must be aware of high-risk activities to ensure regulatory compliance with check fraud regulations and Reg. E, Customer Identification Program (CIP), Customer Due Diligence/Enhanced Due Diligence, 314(b) Information Sharing requests, OFAC, and all investigations pertaining to potential fraud schemes or cybercrime. Physical Requirements - Prolonged sitting throughout the workday with occasional mobility required. - Corrected vision within the normal range. - Hearing within normal range. A device to enhance hearing will be provided if needed. - Occasional movements throughout the department daily to interact with staff, accomplish tasks, etc. Licenses / Certifications - None required with a goal of attaining at least one of the following certifications or equivalent: Professional Certified Investigator (PCI), Certified Fraud Investigator (CFI), Certified Financial Crimes Investigator (CFCI), Certified Credit Union Compliance Expert (CUCE), Certified Fraud Examiner (CFE), Bank Secrecy Act Compliance Specialist (BSACS), or Certified Anti-Money Laundering Specialist (CAMS).