We are looking for a meticulous and curious Fraud Investigations Associate to serve as our primary defense against identity theft and organized fraud rings. While our FinCrime team sets the high-level policy, you are the investigator in the trenches, identifying synthetic identities and stopping fraudsters before they can enter our ecosystem.
In this role, you will handle the "pre-onboarding" and "post-onboarding" lifecycle for both our U.S. personal loans and credit card products. You’ll be tasked with uncovering complex fraud patterns—ranging from simple ID theft to sophisticated, large-scale fraud rings. This is a role for someone who loves "connecting the dots" and protecting both the company’s bottom line and our customers' identities.
What You’ll Be Doing
Identity & Application Fraud: Investigate suspicious applications at the point of onboarding to detect synthetic identities and third-party identity theft.
Special Investigations: Conduct deep-dive investigations into suspected fraud rings and organized criminal activity, collaborating closely with senior leadership on high-stakes cases.
Case Management & KYC: Manage the end-to-end investigation of suspicious activity. Gather "Know Your Customer" (KYC) documentation and prepare comprehensive case files for SAR consideration by the 2LoD team.
Screening: Perform the initial clearing of Sanctions and PEP alerts, ensuring we are not facilitating prohibited transactions.
Consumer Protection: Handle CFPB and Credit Reporting Agency (CRA) disputes specifically related to fraud claims, ensuring fair and timely resolution for victims of identity theft.
Customer Outreach: Communicate directly with U.S. consumers to verify identity details and confirm the legitimacy of high-risk applications.
What We’re Looking For
Investigative Grit: 2+ years of experience in fraud investigations, specifically within U.S. fintech, personal loans, or credit cards. Or, equivalent FinCrime investigative experience in US Law Enforcement.
Technical Literacy: Experience using identity verification tools like Alloy or Socure. You know how to read an identity report beyond just the "Pass/Fail" score. Familiar with ID databases, how to navigate them, and how to conduct thorough investigations for fraud patterns.
Detail Oriented: Ability to document complex investigations clearly so that business leadership, regulators and bank partners can easily follow your logic.
Regulatory Knowledge: Understanding of the FCRA (Fair Credit Reporting Act) and how it pertains to fraud disputes and consumer protection.
Salary - $80,000 to $120,000 per year
