Fraud Investigator Jobs in USA with Visa Sponsorship
Fraud Investigator roles qualify for H-1B visa and EB-2 sponsorship when tied to a bachelor's degree in criminology, finance, or a related field. Employers in banking, insurance, and government contracting regularly sponsor experienced investigators for full-time positions. For detailed occupation requirements, see the O*NET profile.
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Identifies root cause of fraud incidents and determines next steps to mitigate financial loss utilizing a wide range of systems to obtain evidence. Gathers evidence, analyzes information and documents findings relevant to reports of known or suspected fraudulent activity perpetrated against or through the Bank by a customer or non-customer.
Primary Responsibilities:
- Utilize multiple delivery channels to conduct transaction monitoring, fraud detection, investigations, and risk mitigation processes including customer and account verification, deposit item monitoring, and prevention.
- Review output from multiple behavioral models and other reporting sources and complete additional research in various internal and external systems to identify anomalous activity and determine threat to consumer base and/or Bank.
- Develop and expand fraud knowledge to determine holistic picture of fraud trends beyond monetary loss monitoring and decipher the intent of fraudster's attempt of social engineering.
- Review and investigate referrals submitted from internal Financial Crimes departments, as well as external sources in the Bank, to determine scope of fraud, confirm victim and/or suspect, and propose action to mitigate.
- Substantiate nefarious activity through intelligence gathered by data query to extract information ad-hoc in real time.
- Communicate with compromised and/or suspected customers to evaluate fraud occurrence beyond transaction legitimacy verification. Interview victims and/or suspects to determine point of compromise that initiated fraudulent activity.
- Analyze fraud trends. Identify and investigate root cause of fraud loss and recommend policies and procedures to mitigate exposure. Collaborate with other functional areas and management to implement risk remediation processes.
- Build and maintain case files to document assigned investigations by gathering evidence, analyzing information and documenting findings.
- Keep abreast of fraud patterns and schemes impacting the financial services industry and determine how these can transpire on M&T systems, channels, and products.
- Identify opportunities to enhance use of fraud detection tools to increase efficiency and ability to address evolving fraud trends. Assist in the testing and development of detection instruments and fraud prevention process workflow and procedure.
- Understand and adhere to the Company’s risk and regulatory standards, policies and controls in accordance with the Company’s Risk Appetite. Identify risk-related issues needing escalation to management.
- Promote an environment that supports belonging and reflects the M&T Bank brand.
- Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable.
- Complete other related duties as assigned.
Scope of Responsibilities:
Supervisory/Managerial Responsibilities:
No supervisory responsibilities.
Education and Experience Required:
- Bachelor’s degree and a minimum of 1 year relevant work experience in Bank Secrecy Act (BSA), Anti-Money Laundering (AML), financial crimes, risk management, compliance or another relevant field. In lieu of a degree, a combination of 5 years of higher education and/or relevant work experience, including a minimum of 1 year experience in BSA, AML, financial crimes, risk management, compliance, or other relevant field.
- Strong written and verbal communication skills.
- Strong analytical skills.
Education and Experience Preferred:
- Bachelor’s degree in applied sciences, mathematics, statistics, economics, finance or criminal justice.
- Solid understanding of fraud typologies (deposit, internal, card, ACH, wire, kiting and money movements).
- Banking experience.
- Certified Insurance Fraud Investigator (CIFI) and/or Certified Fraud Investigator (CFE) certification.
Physical Requirements:
M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $66,000.00 - $110,000.00 Annual (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.
Location:
Bridgeport, Connecticut, United States of America
Overview:
Identifies root cause of fraud incidents and determines next steps to mitigate financial loss utilizing a wide range of systems to obtain evidence. Gathers evidence, analyzes information and documents findings relevant to reports of known or suspected fraudulent activity perpetrated against or through the Bank by a customer or non-customer.
Primary Responsibilities:
- Utilize multiple delivery channels to conduct transaction monitoring, fraud detection, investigations, and risk mitigation processes including customer and account verification, deposit item monitoring, and prevention.
- Review output from multiple behavioral models and other reporting sources and complete additional research in various internal and external systems to identify anomalous activity and determine threat to consumer base and/or Bank.
- Develop and expand fraud knowledge to determine holistic picture of fraud trends beyond monetary loss monitoring and decipher the intent of fraudster's attempt of social engineering.
- Review and investigate referrals submitted from internal Financial Crimes departments, as well as external sources in the Bank, to determine scope of fraud, confirm victim and/or suspect, and propose action to mitigate.
- Substantiate nefarious activity through intelligence gathered by data query to extract information ad-hoc in real time.
- Communicate with compromised and/or suspected customers to evaluate fraud occurrence beyond transaction legitimacy verification. Interview victims and/or suspects to determine point of compromise that initiated fraudulent activity.
- Analyze fraud trends. Identify and investigate root cause of fraud loss and recommend policies and procedures to mitigate exposure. Collaborate with other functional areas and management to implement risk remediation processes.
- Build and maintain case files to document assigned investigations by gathering evidence, analyzing information and documenting findings.
- Keep abreast of fraud patterns and schemes impacting the financial services industry and determine how these can transpire on M&T systems, channels, and products.
- Identify opportunities to enhance use of fraud detection tools to increase efficiency and ability to address evolving fraud trends. Assist in the testing and development of detection instruments and fraud prevention process workflow and procedure.
- Understand and adhere to the Company’s risk and regulatory standards, policies and controls in accordance with the Company’s Risk Appetite. Identify risk-related issues needing escalation to management.
- Promote an environment that supports belonging and reflects the M&T Bank brand.
- Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable.
- Complete other related duties as assigned.
Scope of Responsibilities:
Supervisory/Managerial Responsibilities:
No supervisory responsibilities.
Education and Experience Required:
- Bachelor’s degree and a minimum of 1 year relevant work experience in Bank Secrecy Act (BSA), Anti-Money Laundering (AML), financial crimes, risk management, compliance or another relevant field. In lieu of a degree, a combination of 5 years of higher education and/or relevant work experience, including a minimum of 1 year experience in BSA, AML, financial crimes, risk management, compliance, or other relevant field.
- Strong written and verbal communication skills.
- Strong analytical skills.
Education and Experience Preferred:
- Bachelor’s degree in applied sciences, mathematics, statistics, economics, finance or criminal justice.
- Solid understanding of fraud typologies (deposit, internal, card, ACH, wire, kiting and money movements).
- Banking experience.
- Certified Insurance Fraud Investigator (CIFI) and/or Certified Fraud Investigator (CFE) certification.
Physical Requirements:
M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $66,000.00 - $110,000.00 Annual (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation.
Location:
Bridgeport, Connecticut, United States of America
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Get Access To All JobsTips for Finding Fraud Investigator Jobs
Target regulated industries first
Banks, insurance carriers, and healthcare organizations face federal compliance mandates that drive consistent fraud investigator hiring. These employers have established immigration infrastructure and are more likely to sponsor H-1B or permanent residence petitions for qualified candidates.
Clarify your degree field upfront
Specialty occupation approval depends on a direct link between your degree and the role. Degrees in criminal justice, finance, accounting, or information systems align most cleanly. If your degree is in a different field, document how your coursework directly prepared you for fraud investigation work.
Certifications strengthen your petition
Credentials like CFE (Certified Fraud Examiner) or CAMS (Certified Anti-Money Laundering Specialist) signal industry-specific expertise to USCIS. They also give employers an easier case to make that the role genuinely requires specialized knowledge, not just general analytical skills.
Distinguish your specialization clearly
Financial fraud, insurance fraud, and cyber fraud investigations are treated differently by employers and USCIS. Being specific about your subspecialty, whether claims analysis, transaction monitoring, or digital forensics, helps employers match you to roles and strengthens the specialty occupation argument.
Government contractor roles carry extra scrutiny
Federal contractor positions often require security clearances, which can complicate or delay H-1B sponsorship for foreign nationals. Ask employers directly about their clearance sponsorship policy before investing time in an application process that may stall at the background investigation stage.
Search Migrate Mate for pre-vetted sponsoring employers
Not every fraud investigator posting comes with sponsorship. Migrate Mate filters specifically for employers willing to sponsor work visas, saving you from applying to roles that will close the door once you mention your visa status. Browse current openings there directly.
Frequently Asked Questions
Does a Fraud Investigator role qualify as a specialty occupation for H-1B purposes?
It depends on how the employer defines the role. Fraud Investigator positions that require a bachelor's degree in a specific field, such as accounting, finance, or criminal justice, typically meet the specialty occupation standard. Roles framed as general investigative work without a degree requirement in a particular discipline are more likely to face a Request for Evidence. The job description wording matters significantly, and employers experienced with H-1B visa filings know how to document the requirement correctly.
Which visa categories do Fraud Investigators typically use for U.S. work authorization?
H-1B is the most common path for employer-sponsored fraud investigators. O-1A is an option for investigators with exceptional recognition in financial crime, forensic accounting, or regulatory compliance, though it requires substantial evidence. Australians can explore the E-3 visa as a faster, lottery-free alternative to H-1B. For permanent residence, EB-2 is the typical category when the role requires an advanced degree or the investigator qualifies for a National Interest Waiver tied to financial system integrity work.
Do Fraud Investigator positions at banks or insurance companies sponsor visas more readily than other employers?
Yes, in practice. Financial institutions and large insurance carriers operate compliance and fraud departments at scale, employ in-house immigration counsel, and file H-1B petitions regularly. They're more familiar with the process and less likely to withdraw sponsorship when complications arise. Smaller employers or staffing agencies may offer fraud investigator titles but lack the infrastructure or willingness to navigate a multi-year visa process. Migrate Mate lists employers that have confirmed sponsorship, which narrows the field considerably.
Does a security clearance requirement disqualify foreign nationals from Fraud Investigator roles?
Not automatically, but it complicates things. Most U.S. government security clearances require U.S. citizenship or at minimum lawful permanent residence, which means H-1B holders are typically ineligible. Federal contractor fraud investigator roles that require a clearance are effectively off-limits until you hold a green card or citizenship. Roles in private-sector banking, insurance, and healthcare fraud don't require clearances and remain fully accessible to sponsored workers.
What degree does USCIS expect for a sponsored Fraud Investigator petition?
USCIS looks for a direct relationship between the degree field and the job duties. Accounting, finance, criminal justice, and information systems degrees are the strongest fits. A business administration degree may work if the employer can demonstrate the role requires specific financial or analytical coursework. Experience alone, without a qualifying degree, won't satisfy the specialty occupation requirement for H-1B. If your degree is in an unrelated field, three years of relevant professional experience can substitute for one year of formal education under the equivalency standard.
What is the prevailing wage requirement for sponsored Fraud Investigator jobs?
U.S. employers sponsoring a visa must pay at least the prevailing wage, which is what workers in the same role, area, and experience level typically earn. The Department of Labor sets this rate to make sure companies aren't hiring foreign workers simply because they'd accept lower pay than a U.S. worker. It varies by job title, location, and experience. You can look up current prevailing wage rates for any occupation and location using the OFLC Wage Search page.