Fraud Client Services Specialist (Advanced)

Key Responsibilities

Fraud Lead Intake and End-to-End Ownership

- Receive and take ownership of fraud leads escalated from Primary Fraud Client Services

- Transition cases seamlessly, ensuring continuity of client experience and risk management

- Assume full accountability for resolving referred cases from intake through closure

- Serve as the single point of contact for the client and internal partners once a case is owned

- Ensure clear documentation of case history, prior actions, and next steps during handoff

End-to-End Case Ownership and Resolution

- Own and manage fraud cases from intake through final resolution across assigned typologies (e.g., NAF, NAPF, no money movement)

- Drive all investigative, servicing, and resolution activities needed to close cases

- Manage a book of business, prioritizing cases based on risk, complexity, and client impact

- Monitor case aging, proactively address delays, and ensure closure within service expectations

- Ensure strong follow-through on all actions, including client communication and internal coordination

Client Engagement and High-Value Servicing

- Serve inbound and outbound interactions for high-net-worth (HNW) and Workplace Solutions client segments

- Re-engage clients on cases referred from primary to gather additional information, validate activity, and provide updates

- Act as a trusted advisor in high-risk or sensitive fraud situations

- Clearly communicate case status, decisions, and next steps to clients

- Manage complex or escalated client interactions with professionalism and confidence

- Escalate cases to Senior Investigators as needed for defined Fraud typologies

Fraud Analysis, Decisioning, and Risk Assessment

- Conduct in-depth analysis of account activity, transaction behaviors, and fraud indicators

- Apply advanced judgment to differentiate good users from bad actors

- Determine and execute appropriate actions, including restriction, escalation, or closure

- Identify patterns or trends within caseload and escalate emerging risks

- Resolve more complex or ambiguous cases that require deeper expertise beyond initial servicing

Specialized Fraud Typology Ownership

- Maintain deep expertise in assigned fraud typologies (NAF, NAPF, no money movement)

- Apply consistent handling practices and decision frameworks across similar case types

- Serve as an escalation point for complex scenarios within these typologies

- Partner with investigation, prevention, and product teams to refine handling strategies

Operational Flexibility and Volume Management

- Support Primary Fraud Client Services coverage during periods of high demand

- Balance direct client interaction, lead intake, and case management responsibilities based on volume

- Adjust priorities in real time to meet operational needs without compromising quality

- Maintain productivity across servicing, escalations, and case resolution work

Identity Verification and Risk Controls

- Perform enhanced authentication and identity validation in complex or high-risk scenarios

- Verify information gathered during initial servicing and identify red flags

- Detect social engineering, impersonation, and suspicious behaviors

- Execute appropriate risk controls including account restrictions and fraud prevention measures

Operational Excellence and Compliance

- Maintain accurate, detailed, and audit-ready case documentation across the full lifecycle

- Ensure continuity and completeness of documentation from primary handoff through closure

- Adhere to fraud policies, regulatory requirements, and internal controls

- Identify opportunities to improve handoffs, workflows, and case handling practices

Internal Consultation and Leadership Support

- Serve as a subject matter resource for primary fraud specialists and partners

- Provide guidance on which cases should be escalated for advanced handling

- Support feedback loops to Primary on trends, quality of intake, and improvement opportunities

- Partner across fraud, servicing, and technology teams to improve outcomes and scalability

Required Skills and Capabilities

Core Skills

- Strong analytical thinking and advanced risk assessment capabilities

- Ability to independently manage and resolve complex cases end to end

- Strong prioritization and book of business management skills

- Ability to take ownership of cases midstream and drive to resolution

- Effective communication with high-value clients and internal stakeholders

- Sound decision-making in ambiguous or high-pressure situations

- Attention to detail with disciplined case documentation

Qualifications

- Minimum of three years related work experience.
- Undergraduate degree or equivalent combination of training and experience.
- Certified Fraud Examiner (CFE) certification preferred. Candidates who do not currently hold the certification must successfully obtain it within one year of employment via self-study. Vanguard sponsors the certification process.

Special Factors

Sponsorship
Vanguard is not offering visa sponsorship for this position.

About Vanguard

At Vanguard, we don't just have a mission—we're on a mission.

To work for the long-term financial wellbeing of our clients. To lead through product and services that transform our clients' lives. To learn and develop our skills as individuals and as a team. From Malvern to Melbourne, our mission drives us forward and inspires us to be our best.

How We Work

Vanguard has implemented a hybrid working model for the majority of our crew members, designed to capture the benefits of enhanced flexibility while enabling in-person learning, collaboration, and connection. We believe our mission-driven and highly collaborative culture is a critical enabler to support long-term client outcomes and enrich the employee experience.