Title: 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 robust 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.
- Exc

📌 Senior Investigator, Automotive Finance Fraud Investigations (Montreal)
🏢 Scotiabank
📍 Montreal