Fraud Investigation Associate

About The Role

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.

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.

Skill Set

• Experience in fraud investigations, preferably within U.S. fintech, personal loans, or credit cards.
• Technical proficiency in identity verification tools.
• Strong analytical and problem-solving skills.
• Understanding of regulatory frameworks such as the FCRA.

Qualifications

• 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.
• Experience using identity verification tools like Alloy or Socure.
• Ability to conduct thorough investigations and document findings clearly.
• Understanding of the FCRA and its implications for fraud disputes and consumer protection.

Pay

$80,000 to $120,000 per year

Benefits

• Winning team: the opportunity to scale up one of the world’s most successful fintech companies.
• Flexible working: flexible approach tailored to each role. Hybrid roles require three days in-office weekly; fully remote roles include regular opportunities for in-person connection through socials and off-sites.
• Socials & connection: opportunities and events to come together, socialise, and get to know each other beyond the office walls.
• Health coverage: support for your physical and mental wellbeing, including private health cover.
• Retirement & savings: long-term financial wellbeing through retirement savings plans.
• Employee referral programme: earn a competitive bonus when you refer successful new team members.
• Office meals & snacks: enjoy a fully stocked kitchen, plus complimentary lunches prepared by in-house chefs on in-office days at select locations.
• Sustainable commuting: cycle-to-work and electric vehicle salary sacrifice schemes available in select locations.