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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Get Access To All JobsINTRODUCTION
Ascensus is the leading independent technology and service platform powering savings plans across America, providing products and expertise that help nearly 16 million people save for a better today and tomorrow.
Position Summary
The Senior Fraud Investigator is a senior individual contributor responsible for leading complex or high-impact investigations, identifying emerging fraud patterns, and serving as a subject matter expert within the fraud function. This role is expected to operate with a high degree of independence and sound judgment while managing complex casework and contributing to broader fraud risk strategies. In addition to conducting investigations, the Senior Fraud Investigator helps strengthen the fraud program by identifying root causes, recommending control or process improvements, and partnering across the organization to improve fraud prevention and response.
JOB FUNCTIONS, ESSENTIAL DUTIES AND RESPONSIBILITIES
- Lead complex fraud investigations involving multiple accounts, transactions, channels, and/or subjects
- Identify and analyze emerging fraud trends, typologies, and risk indicators
- Conduct root cause analysis of fraud events and identify opportunities to strengthen fraud controls
- Use internal systems, reporting, and available data sources to investigate linked activity and suspicious patterns
- Prepare clear, concise, and comprehensive case documentation, investigative summaries, and escalation materials
- Support high-priority escalations and complex fraud events requiring timely containment and coordination
- Partner with operations, compliance, legal, technology, and other stakeholders to support investigative outcomes
- Help improve investigative procedures, documentation standards, and case management practices
- Provide subject matter expertise and guidance to business partners and team members as needed
- Identify opportunities for process improvement and stronger fraud mitigation practices
- Responsible for protecting, securing, and proper handling of all confidential data held by Ascensus to ensure against unauthorized access, improper transmission, and/or unapproved disclosure of information that could result in harm to Ascensus or our clients.
- At Ascensus we are guided by our Core Values of People Matter, Quality First and Integrity Always®. They inspire us every day to prioritize an environment of respect for those we serve and one another and should be visible in your actions on a day-to-day.
SUPERVISION
- N/A
EXPERIENCE, SKILLS, KNOWLEDGE REQUIREMENTS
- Minimum of 3–7 years of progressive experience in fraud investigations, financial crimes, or financial services risk management
- Strong experience conducting complex investigations involving multiple data points, linked accounts, and suspicious activity patterns
- Strong knowledge of fraud typologies, investigative techniques, and fraud risk management practices
- Proven ability to identify emerging fraud patterns and translate findings into actionable recommendations
- Ability to operate independently and exercise sound judgment in high-risk or ambiguous matters
- Strong analytical, critical thinking, and problem-solving skills
- Exceptional written and verbal communication skills
- Demonstrated ability to communicate with senior stakeholders and cross-functional partners
- Strong attention to detail and commitment to quality
- Proficiency with case management, monitoring, and reporting tools
- Experience in banking, financial services, retirement services, wealth services, fintech, or law enforcement
- Experience supporting fraud control improvements or investigative process enhancements
- Certifications such as CFE, CAMS, or CFCS are a plus
- Bachelor’s degree or equivalent combination of education and relevant experience preferred
For all virtual remote positions, in order to ensure associates can effectively perform their job duties with no distractions, we require an uninterrupted virtual workspace and there is also an expectation of family care being in place during business hours. Additionally, there is an internet work speed requirement of 25 Mbps or better for individual use. If more than one person is utilizing the same internet connection in the same household or building, then a stronger connection is required. If you are unsure of your internet speed, please check with your service provider. Note: For call center roles specifically, it is a requirement to either hardwire your equipment directly to the internet router or ensure your workstation is in close proximity to the router. Please ensure that you are able to meet these expectations before applying.
We are proud to be an Equal Opportunity Employer
Be aware of employment fraud. All email communications from Ascensus or its hiring managers originate from @ascensus.com or @futureplan.com email addresses. We will never ask you for payment or require you to purchase any equipment. If you are suspicious or unsure about validity of a job posting, we strongly encourage you to apply directly through our website.
INTRODUCTION
Ascensus is the leading independent technology and service platform powering savings plans across America, providing products and expertise that help nearly 16 million people save for a better today and tomorrow.
Position Summary
The Senior Fraud Investigator is a senior individual contributor responsible for leading complex or high-impact investigations, identifying emerging fraud patterns, and serving as a subject matter expert within the fraud function. This role is expected to operate with a high degree of independence and sound judgment while managing complex casework and contributing to broader fraud risk strategies. In addition to conducting investigations, the Senior Fraud Investigator helps strengthen the fraud program by identifying root causes, recommending control or process improvements, and partnering across the organization to improve fraud prevention and response.
JOB FUNCTIONS, ESSENTIAL DUTIES AND RESPONSIBILITIES
- Lead complex fraud investigations involving multiple accounts, transactions, channels, and/or subjects
- Identify and analyze emerging fraud trends, typologies, and risk indicators
- Conduct root cause analysis of fraud events and identify opportunities to strengthen fraud controls
- Use internal systems, reporting, and available data sources to investigate linked activity and suspicious patterns
- Prepare clear, concise, and comprehensive case documentation, investigative summaries, and escalation materials
- Support high-priority escalations and complex fraud events requiring timely containment and coordination
- Partner with operations, compliance, legal, technology, and other stakeholders to support investigative outcomes
- Help improve investigative procedures, documentation standards, and case management practices
- Provide subject matter expertise and guidance to business partners and team members as needed
- Identify opportunities for process improvement and stronger fraud mitigation practices
- Responsible for protecting, securing, and proper handling of all confidential data held by Ascensus to ensure against unauthorized access, improper transmission, and/or unapproved disclosure of information that could result in harm to Ascensus or our clients.
- At Ascensus we are guided by our Core Values of People Matter, Quality First and Integrity Always®. They inspire us every day to prioritize an environment of respect for those we serve and one another and should be visible in your actions on a day-to-day.
SUPERVISION
- N/A
EXPERIENCE, SKILLS, KNOWLEDGE REQUIREMENTS
- Minimum of 3–7 years of progressive experience in fraud investigations, financial crimes, or financial services risk management
- Strong experience conducting complex investigations involving multiple data points, linked accounts, and suspicious activity patterns
- Strong knowledge of fraud typologies, investigative techniques, and fraud risk management practices
- Proven ability to identify emerging fraud patterns and translate findings into actionable recommendations
- Ability to operate independently and exercise sound judgment in high-risk or ambiguous matters
- Strong analytical, critical thinking, and problem-solving skills
- Exceptional written and verbal communication skills
- Demonstrated ability to communicate with senior stakeholders and cross-functional partners
- Strong attention to detail and commitment to quality
- Proficiency with case management, monitoring, and reporting tools
- Experience in banking, financial services, retirement services, wealth services, fintech, or law enforcement
- Experience supporting fraud control improvements or investigative process enhancements
- Certifications such as CFE, CAMS, or CFCS are a plus
- Bachelor’s degree or equivalent combination of education and relevant experience preferred
For all virtual remote positions, in order to ensure associates can effectively perform their job duties with no distractions, we require an uninterrupted virtual workspace and there is also an expectation of family care being in place during business hours. Additionally, there is an internet work speed requirement of 25 Mbps or better for individual use. If more than one person is utilizing the same internet connection in the same household or building, then a stronger connection is required. If you are unsure of your internet speed, please check with your service provider. Note: For call center roles specifically, it is a requirement to either hardwire your equipment directly to the internet router or ensure your workstation is in close proximity to the router. Please ensure that you are able to meet these expectations before applying.
We are proud to be an Equal Opportunity Employer
Be aware of employment fraud. All email communications from Ascensus or its hiring managers originate from @ascensus.com or @futureplan.com email addresses. We will never ask you for payment or require you to purchase any equipment. If you are suspicious or unsure about validity of a job posting, we strongly encourage you to apply directly through our website.
See all 1,139+ Fraud Investigator Jobs
Sign up for free to unlock all listings, filter by visa type, and get alerts for new Fraud Investigator roles.
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.