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3Rd Shift Fraud Investigator Jobs (NOW HIRING)

Koalafi

Fraud Investigator

Richmond, VA · On-site

$61K - $74K/yr

Fraud Investigators have several tools available to assist in their research, such as application data, internal system of record data, internet search data, and third-party fraud prevention tools.

Koalafi

Fraud Investigator

Richmond, VA

$61K - $74K/yr

Leverage tools such as application data, internal system of record data, internet search data, and third-party fraud prevention tools to reach accurate investigation conclusions * Collaborate across ...

Koalafi

Fraud Investigator

Richmond, VA · On-site

$61K - $74K/yr

Leverage tools such as application data, internal system of record data, internet search data, and third-party fraud prevention tools to reach accurate investigation conclusions * Collaborate across ...

Koalafi

Fraud Investigator

Arlington, VA

$61K - $74K/yr

Leverage tools such as application data, internal system of record data, internet search data, and third-party fraud prevention tools to reach accurate investigation conclusions * Collaborate across ...

United Community Bank

Fraud Investigator I

Greenville, SC · On-site

$19.10 - $28.52/hr

Overview The Fraud Investigator I plays a key role in protecting the bank and its customers from ... Gather and evaluate evidence from customers, internal systems, external institutions, and third ...

SCCU

Fraud Investigator I

Melbourne, FL · Hybrid

$28.13 - $29.79/hr

As a Fraud Investigator I, you will help protect the credit union and its members by investigating ... With 67 branches spanning Florida's east coast, we are the third-largest credit union in the state.

Global Credit Union

Fraud Investigator I

Anchorage, AK · On-site

$63K - $99K/yr

Conduct investigations into fraud claims related to online transactions, pre-authorized drafts, altered checks, forged endorsements, unauthorized third-party transfers, financial exploitation ...

SCCU

Fraud Investigator I

Melbourne, FL · On-site

$28.13 - $29.79/hr

As a Fraud Investigator I, you will help protect the credit union and its members by investigating ... With 67 branches spanning Florida's east coast, we are the third-largest credit union in the state.

SCCU

Fraud Investigator I

Miramar, FL · On-site

$28.13 - $29.79/hr

As a Fraud Investigator I, you will help protect the credit union and its members by investigating ... With 67 branches spanning Florida's east coast, we are the third-largest credit union in the state.

SCCU

Fraud Investigator I

Miramar, FL · Hybrid

$28.13 - $29.79/hr

As a Fraud Investigator I, you will help protect the credit union and its members by investigating ... With 67 branches spanning Florida's east coast, we are the third-largest credit union in the state.

Global Credit Union

Fraud Investigator I

Anchorage, AK

$69K - $112K/yr

Conduct investigations into fraud claims related to online transactions, pre-authorized drafts, altered checks, forged endorsements, unauthorized third-party transfers, financial exploitation ...

State of Georgia

$50/hr

Investigator - Medicaid Fraud Job Requisition ID ... JR0000000386 Number of Openings: 1 Shift: Day (United States of America) Compensation Details:

State of Georgia

$70/hr

Criminal Investigator - Medicaid Fraud Division Job Requisition ID ... JR0000001107 Number of Openings: 2 Shift: Day (United States of America) Compensation Details:

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3Rd Shift Fraud Investigator information

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How much do 3rd shift fraud investigator jobs pay per hour?

As of Aug 28, 2026, the average hourly pay for 3rd shift fraud investigator in the United States is $30.83, according to ZipRecruiter salary data. Most workers in this role earn between $22.12 and $35.34 per hour, depending on experience, location, and employer.

What is a 3rd shift fraud investigator?

A 3rd Shift Fraud Investigator is a professional who works overnight hours, typically between 11 p.m. and 7 a.m., to detect and prevent fraudulent activities within an organization, such as a bank or financial institution. Their responsibilities include monitoring transactions, analyzing suspicious patterns, and investigating potential cases of fraud during the late-night or early-morning hours when fraudulent activity can be more prevalent. By working the third shift, these investigators help ensure continuous security and protection of assets around the clock.

What are the key skills and qualifications needed to thrive as a 3rd shift fraud investigator?

To thrive as a 3rd Shift Fraud Investigator, you need strong analytical skills, attention to detail, and typically a background in finance, criminal justice, or a related field. Familiarity with fraud detection software, case management systems, and sometimes certifications like CFE (Certified Fraud Examiner) are highly valuable. Excellent problem-solving, communication, and the ability to work independently during off-hours are crucial soft skills. These skills and qualities ensure swift, accurate identification and resolution of fraudulent activities, protecting organizational assets around the clock.

What are the unique challenges of working as a 3rd shift fraud investigator?

As a 3rd Shift Fraud Investigator, you'll often face the challenge of monitoring accounts and transactions during late-night hours when fraudulent activity can spike and fewer staff are present. This requires strong attention to detail and the ability to make quick, accurate decisions independently. Communication with daytime teams is crucial for ensuring seamless handovers and thorough reporting. While the shift may offer a quieter environment, it also demands adaptability to evolving fraud tactics and maintaining alertness throughout non-traditional hours.

What is the difference between 3Rd Shift Fraud Investigator vs 3Rd Shift Fraud Analyst?

Aspect3Rd Shift Fraud Investigator3Rd Shift Fraud Analyst
CredentialsTypically requires a bachelor’s degree in criminal justice, finance, or related field; certifications like CFE are commonSimilar credentials; often holds a bachelor’s degree and certifications such as CFE or ACFE
Work EnvironmentInvestigates fraud cases, interviews, reviews evidence, often in a law enforcement or corporate settingAnalyzes data, reviews reports, and monitors transactions, usually in an office environment
Employer & IndustryEmployers include banks, insurance companies, and retail firmsCommonly employed by financial institutions, insurance companies, and corporations

Both roles focus on detecting and preventing fraud, requiring similar credentials and working in related environments. The main difference lies in their focus: investigators actively pursue fraud cases, while analysts primarily analyze data to identify suspicious activity.

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3Rd Shift Fraud Investigator jobs near you
Infographic showing various 3Rd Shift Fraud Investigator job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 72% Full Time, 21% Part Time, 4% Contract, and 2% Nights. Highlights an 99% Physical, and 1% Remote job distribution, with an average salary of $64,132 per year, or $30.8 per hour.

Fraud Investigator

Richmond, VA • On-site

Koalafi
Finance and Insurance • 51 - 200 employees
Learn more about Koalafiexternal

$61K - $74K/yr

Full-time

Posted 6 days ago

Job description

What You'll Do 

Koalafi partners with thousands of merchants across the country to offer point-of-sale financing and receives over a million customer applications per year. As a Fraud Investigator, you will monitor and research risk signals for both customers and merchants that could indicate some form of fraud is being committed. This includes a risk assessment during onboarding of new merchants, ongoing monitoring/review of merchant performance, and review of applications flagged for potential fraud. 

As a Fraud Investigator, you will look for systemic patterns in suspicious customer and merchant behavior and conduct deep dives/investigations to determine legitimacy. This includes identity theft, synthetic IDs, manipulated IDs, taking advantage of vulnerable persons, and taking advantage of family or friends. Fraud Investigators have several tools available to assist in their research, such as application data, internal system of record data, internet search data, and third-party fraud prevention tools. You will be expected to use these tools and proactively call potential fraud victims to reach as accurate a conclusion as possible. 

In this role you will: 

  • Identify systemic patterns in suspicious customer and merchant behavior and conduct investigations 
  • Review and evaluate all new merchant partners during onboarding to ensure we establish partnerships with properly licensed merchants that align with our intent 
  • Manage inbound fraud claims and perform ad hoc research into uncommon scenarios that could indicate foul play 
  • Leverage tools such as application data, internal system of record data, internet search data, and third-party fraud prevention tools to reach accurate investigation conclusions 
  • Collaborate across multiple departments, such as Sales, Operations, Fraud Analytics, and Compliance 

About You (Qualifications) 

  • 2+ years of relevant experience in fraud detection, investigation, or related financial services experience 
  • Strong pattern recognition and attention to detail, with a strong commitment to quality, accuracy, consistency, and confidentiality  
  • Ability to conduct thorough research using multiple data sources 
  • Experience documenting processes, procedures, and investigation findings 
  • Excellent verbal and written communication skills 
  • Strong interpersonal skills; you're comfortable having difficult conversations with merchants 
  • Strong sense of ownership and motivation to stop fraudsters 
  • Proficiency in tools like Microsoft Excel and Word; familiarity with fraud databases or investigative platforms is a plus 
  • Ability to work independently and efficiently, both in-person and on work from home days 
  • Experience working in a fast-paced, dynamic environment, with strong prioritization skills and ability to handle multiple responsibilities at once 
  • Bilingual (English/Spanish) preferred 
  • High school diploma, GED, or equivalent certification 

Location: Richmond, VA; Arlington, VA; or Remote (U.S.). Associates near one of our office locations may work in-office, hybrid, or remotely. Remote opportunities are available to candidates throughout the United States. 

Salary Range: $61,000-$74,000 per year (depending on experience and location)

Additional Compensation: This position will be eligible to participate in company bonus plan. 

The final salary offer will depend on factors including, but not limited to, experience, skills, and geographic location. The actual annualized salary amount offered to any candidate at the time of hire will be reflected solely in the candidate's offer letter.

Applications will be accepted until position is filled.

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