Senior Investigator, Automotive Finance Fraud Investigations

Requisition ID: 276645

Join a purpose driven winning team, committed to results, in an inclusive and high-performing culture.

Reporting to the Senior Manager, Automotive Fraud Investigation, the Senior Investigator supports the prevention, detection, investigation, response, and reporting of suspected criminal activity, application fraud, and dealer concerns within Scotiabank’s automotive finance business. The role coordinates complex investigations and contributes to strategies designed to mitigate financial, operational, regulatory, and reputational risk to the Bank. As a member of a national investigative team, the Senior Investigator collaborates with internal and external partners to ensure investigations are conducted effectively, thoroughly, objectively, and in accordance with applicable Bank policies and legal and regulatory requirements.

Prevention:

- Contribute to the development of national automotive finance fraud-awareness initiatives by providing information and intelligence on emerging organized and opportunistic fraud trends.

- Develop intelligence through key national and international information sources and work with law enforcement agencies and relevant business lines to proactively identify and mitigate risk.

- Prepare and deliver clear, accurate, and comprehensive reports that document investigative findings, identify policy or procedural gaps, and provide actionable recommendations to reduce ongoing or recurring risk.

- Educate Automotive Finance employees and external partners on evolving fraud trends, emerging risks, and appropriate preventative measures.

Detection:

- Identify fraud schemes and criminal threats affecting the Bank, its employees, customers, assets, programs, and automotive finance operations through intelligence analysis and effective communication with key stakeholders and senior leaders.

- Identify indicators of organized criminal activity and ensure investigations are conducted thoroughly, documented appropriately, and escalated when required.

- Educate Bank employees and external partners on recognizing fraud indicators and complying with established escalation and reporting requirements.

- Cultivate and manage intelligence sources to support the identification, development, and advancement of investigations on behalf of the Bank.

- Prepare and deliver fraud prevention and detection presentations approved by management.

Response (Investigation):

- Conduct medium- to high-complexity investigations involving suspected financial crime, application fraud, misconduct, and related risks.

- Respond to incidents as a member of an investigative team by assessing risk, developing and executing investigative action plans, and ensuring the timely progression of assigned cases.

- Provide management with clear, concise, accurate, and timely updates on investigative findings, emerging risks, and recommended actions.

- Maintain high standards of investigative reporting, recognizing that senior Bank leaders may rely on these reports to make critical business, legal, regulatory, and risk-management decisions.

- Establish and maintain appropriate quality-control standards for the collection, preservation, preparation, and presentation of evidence in criminal, regulatory, and civil matters.

- Conduct investigations in accordance with applicable legal and regulatory requirements, Bank policies, and established investigative standards.

Team Leadership and Performance:

- Support employee development by fostering a positive and motivating work environment and contributing to training, coaching, and career development activities, as required.

- Promote a collaborative team environment that supports strong individual and collective performance.

- Provide effective and relevant feedback concerning specific areas of Bank operations.

- Encourage collaboration across teams and business lines when responding to unusual, complex, or emerging events.

- Share investigative knowledge, intelligence, and leading practices with colleagues and relevant partners.

Education and Experience:

- Post-secondary degree, diploma, or relevant university or college coursework in business, law, criminology, law enforcement, or a related discipline, or an equivalent combination of education, training, and experience.

- Minimum of five years of experience conducting complex financial crime, fraud, or due diligence investigations.

- Strong knowledge of investigative practices, methodologies, interviewing techniques, and enforcement strategies.

- Working knowledge of applicable federal, provincial, and local laws and regulations in the jurisdictions in which the Bank operates.

- Working knowledge of criminal and civil judicial processes, including the collection, preservation, and admissibility of evidence.

- Working knowledge of information technology applications, systems, data sources, and security controls.

- Excellent analytical, organizational, interpersonal, oral communication, and written communication skills.

- Ability to prepare clear, concise, accurate, and defensible investigative reports.

- Bilingual proficiency in English and French is required.

- Knowledge of the automotive finance environment is considered an asset.

- Formal training in investigation, interviewing, intelligence gathering, or negotiation is considered an asset.

In addition to French, the successful candidate must also have sufficient knowledge of English, as the work involves interacting and collaborating regularly with groups and individuals based in Toronto, as well as constantly interacting with other people, including clients, who speak English, locally and elsewhere.

Location(s): Canada : Quebec : Montreal

Scotiabank is a leading bank in the Americas. Guided by our purpose: "for every future", we help our customers, their families and their communities achieve success through a broad range of advice, products and services, including personal and commercial banking, wealth management and private banking, corporate and investment banking, and capital markets.

At Scotiabank, we value the unique skills and experiences each individual brings to the Bank, and are committed to creating and maintaining an inclusive and accessible environment for everyone. If you require accommodation (including, but not limited to, an accessible interview site, alternate format documents, ASL Interpreter, or Assistive Technology) during the recruitment and selection process, please let our Recruitment team know. If you require technical assistance, please click here . Candidates must apply directly online to be considered for this role. We thank all applicants for their interest in a career at Scotiabank; however, only those candidates who are selected for an interview will be contacted.