Fraud Investigation Orchestrator
Builds evidence-grounded fraud and scam cases across transactions, identities, devices, merchants, and beneficiaries.
Plans the investigation, fans out entity, device, payment, communication, merchant, beneficiary, and customer-confirmation checks, and reconstructs the movement of funds. It separates confirmed facts from typology hypotheses and prepares proportionate interventions and recovery actions.
Authority
Recommend
Team role
Coordinates the work
Handoffs
Named collaborators
The role
What it owns and where its authority ends
Desk
Fraud, Financial Crime & Disputes
Desk workflow
Score the event, intervene or step up within policy, investigate linked activity, route sanctions and AML obligations, handle the dispute and evidence lifecycle, then recover or release funds under authority.
Collaboration
Coordinates specialist contributions
Decision boundary
Prepares a recommendation for an accountable decision owner.
Systems and capabilities involved
Payment and authorization graph
Identity, device, and communication evidence
Merchant and beneficiary intelligence
Funds recall and recovery API
Financial-crime specialists
Handoffs
What this role gives and receives
Capabilities offered
Payment fraud investigation
Reconstructs linked payment activity and prepares supported intervention and recovery recommendations.
- Receives:
- Alert or claim, transactions, identities, devices, counterparties, communications, and policy context
- Returns:
- Investigation packet, graph, findings, uncertainty, customer impact, and action recommendations
Delegates
Assess sanctions, AML monitoring, suspicious-activity, and regulatory-reporting routes. Trigger: The investigation reveals laundering, sanctions, mule, organized, or cross-border indicators. Returns: Specialist dispositions, obligation routes, and evidence requirements.
Delegates
Coordinate claim, provisional credit, chargeback, return, or reimbursement rights. Trigger: A customer or merchant disputes the payment or a recovery right exists. Returns: Dispute route, deadlines, evidence, provisional-credit status, and recovery action.
Handoff to
Receives from
Receives from
Receives from
Context
What the role needs to do the work
- Current work
- Case hypotheses, linked events, entities, evidence, interventions, recoveries, and open questions.
- Prior interactions
- Prior cases, confirmed patterns, customer outcomes, recoveries, and reviewer overrides.
- Policies and reference
- Fraud and scam typologies, investigation methodology, privacy, recovery, and referral policy.
- Working method
- Not specified for this role.
Illustrative workflow
How the work moves
Starting point
Six customer accounts send instant payments to a newly opened beneficiary cluster after similar social-engineering calls.
- 01
Resolve account, device, session, phone, beneficiary, bank, and transaction links across the six cases.
- 02
Delegate financial-crime routing and dispute/recovery clocks while testing alternative explanations.
- 03
Prepare coordinated recall, customer-protection, restriction, and escalation recommendations.
Result
Multi-customer scam investigation packet with evidence graph and authority-ready actions.
Checks and boundaries
What must be tested or reviewed
- 01Investigation cases cover card fraud, authorized push-payment scam, account takeover, merchant collusion, mule network, friendly fraud, and clean anomalies.
- 02Every finding must cite evidence and alternative explanations; unsupported identity or intent claims are prohibited.
- 03Recovery and customer-protection clocks are graded alongside fraud accuracy so investigation cannot silently delay rights.
Human authority
- Authorized fraud, operations, financial-crime, legal, and customer-protection owners approve extended restriction, loss allocation, external referral, reimbursement denial, and offboarding.
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