Fraud Investigator
Veros Credit · Santa Ana, CA · 1 mo ago
On-siteQuality Assurance$24–$29/hrFull-time
We need to output HTML fragment with sections: About the role? Actually we have "About The Position". The instruction: use for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule). So we need headings like "About the role", "Responsibilities", "Qualifications", "Skills", "Benefits", "Pay". We must not repeat job title as heading. Also we must not include Job ID etc. Remove boilerplate like EEO, E-Verify, etc. Also remove navigation, cookie, legal, duplicated lines. Preserve all substantive info.
We need to parse the posting.
Content:
- About Us: description of company, benefits etc. This is about company, not role. Should we include? The instruction: include sections only when posting has real specific content for it. The "About Us" is not a standard heading list but could be considered "About the role"? Actually "About Us" is company overview. Might be considered not needed? The instruction says use headings for section headings (e.g. About the role, Responsibilities...). So we likely should not include "About Us" as a heading unless we map it to "About the role"? But "About the role" is about the position, not company. The posting includes "About The Position" which describes role responsibilities etc. That could map to "About the role". So we can put that content under
for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule). So we need headings like "About the role", "Responsibilities", "Qualifications", "Skills", "Benefits", "Pay". We must not repeat job title as heading. Also we must not include Job ID etc. Remove boilerplate like EEO, E-Verify, etc. Also remove navigation, cookie, legal, duplicated lines. Preserve all substantive info.
We need to parse the posting.
Content:
- About Us: description of company, benefits etc. This is about company, not role. Should we include? The instruction: include sections only when posting has real specific content for it. The "About Us" is not a standard heading list but could be considered "About the role"? Actually "About Us" is company overview. Might be considered not needed? The instruction says use headings for section headings (e.g. About the role, Responsibilities...). So we likely should not include "About Us" as a heading unless we map it to "About the role"? But "About the role" is about the position, not company. The posting includes "About The Position" which describes role responsibilities etc. That could map to "About the role". So we can put that content under About the role
.
Then we have "Key Responsibilities:" with bullet list. That maps to Responsibilities.
Then "Qualifications:" with subparts Education & Experience, Knowledge & Skills, Preferred Certifications. That maps to Qualifications (maybe also Skills). The instruction includes Skills as separate heading; but we can combine knowledge & skills under Qualifications or Skills. Since they said prefer few substantive sections over many thin ones. We could have Qualifications covering education, experience, knowledge & skills, certifications. Or we could split into Qualifications and Skills. But we have both Knowledge & Skills subsection; we could put that under Skills heading. However we also have Education & Experience under Qualifications. To avoid thin sections, maybe combine into one Qualifications section that includes education, experience, knowledge & skills, certifications. That seems fine.
Then "Work Environment & Travel:" - not a standard heading; could be omitted or maybe included under "About the role"? But instruction: include a section only when posting has real specific content for it. This is substantive but not in list of headings. Could we create a custom heading? The instruction says use for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule). It gives examples but not exclusive list? It says use for section headings (e.g. ...). Likely we should stick to those headings; other headings not needed. So we may drop Work Environment & Travel or incorporate into About the role? It mentions primarily office-based; occasional travel required. Could be part of About the role description. We'll incorporate into About the role paragraph.
Then "Compensation & Benefits:" with bullet list: Competitive salary based on experience, Annual bonus eligibility, Health, dental, and vision insurance, 401(k) with company match, Paid time off and holidays, Professional development reimbursement. Also later they give Salary: $24.00 - $29.00 per hour + Bonus. So we need Pay and Benefits sections. Pay: salary range + bonus eligibility. Benefits: list of insurance, 401(k), PTO, holidays, professional development reimbursement, etc. Also earlier in About Us they listed many benefits (medical, dental, vision, life insurance, FSA, accident, hospital, indemnity, STD/LTD, EAP, 401(k), tuition reimbursement, paid holidays, PTO, transportation reimbursement, referral bonus, quarterly lunches, daily fresh fruit, office starbucks, etc). That's also benefits. We should combine all benefits info, preserving all substantive info, not inventing. So we need to include all benefits mentioned: from About Us: Medical, Dental, Vision Insurance; Life Insurance; Flexible Spending Accounts (FSA); Accident, Hospital, Indemnity Insurance; Short Term Disability (STD) and Long-Term Disability (LTD) Insurance; Employee Assistance Program (EAP); 401(k) Plan; Tuition Reimbursement; Paid Holidays; Paid Time Off (PTO); Transportation Reimbursement Benefit (Mass Transit, Carpool, and Plug-In Electric Vehicle); Referral Bonus; Quarterly lunches; Daily fresh fruit; Office Starbucks Coffee/Latte/Espresso Machine; And a lot more! Also from Compensation & Benefits: Health, dental, and vision insurance (duplicate), 401(k) with company match, Paid time off and holidays, Professional development reimbursement. Also Annual bonus eligibility (belongs to Pay). Also Salary range.
Thus Benefits section should include all unique benefits: Medical, Dental, Vision Insurance; Life Insurance; FSA; Accident, Hospital, Indemnity Insurance; STD/LTD; EAP; 401(k) Plan (with company match); Tuition Reimbursement; Paid Holidays; Paid Time Off (PTO); Transportation Reimbursement Benefit (Mass Transit, Carpool, Plug-In Electric Vehicle); Referral Bonus; Quarterly lunches; Daily fresh fruit; Office Starbucks Coffee/Latte/Espresso Machine; Professional development reimbursement. Also maybe "And a lot more!" but we should not include vague filler. So we omit that phrase.
Pay section: Competitive salary based on experience; Annual bonus eligibility; Salary: $24.00 - $29.00 per hour + Bonus. We'll combine.
Now About the role: we need to combine the "About The Position" description plus maybe work environment & travel. Let's extract:
About The Position: The Fraud Investigator / Loss Mitigation Analyst is responsible for identifying, investigating, and resolving fraudulent activities and losses related to auto loan originations and servicing across a nationwide portfolio. This role plays a critical part in mitigating risk by conducting in-depth investigations of suspected fraud, collaborating with internal departments and external agencies, and developing strategies to prevent future occurrences. The ideal candidate will have a strong understanding of auto lending, credit risk, dealer relations, and asset recovery.
Then Work Environment & Travel: Primarily office-based; occasional travel required for dealer audits, court testimony, or field investigations (up to 10%).
We can incorporate that into About the role paragraph.
Now Responsibilities: list from Key Responsibilities: bullet points.
We need to output - for each.
Responsibilities list:
- Serve as the primary point of contact for dealer fraud or misconduct allegations routed from various departments, review leads and determine the appropriate course of action.
- Investigate dealer misconduct or collusion, including power booking, payment packing, fake down payments, and document tampering.
- Analyze auto loan applications, funding packages, and account activity for indicators of fraud, including identity theft, straw purchases, income/occupancy misrepresentation, synthetic identities, and forged documents.
- Conduct full reviews of dealer fraud claims, including high-volume or active dealers, to substantiate or verify allegations, and manage any resulting referrals, actions or communication.
- Maintain primary responsibility for analyzing and reviewing, and improving reports, to communicate findings/patterns/trends to the appropriate stakeholders.
- Conduct post-funding reviews and contract audits using internal and third-party data sources (e.g., LexisNexis, TLO, Clear, MVR).
- Interview applicants, dealers, and internal staff to gather statements and verify facts.
- Prepare detailed fraud case reports, summaries, and recommendations for internal stakeholders and legal counsel.
- Loss Mitigation & Recovery: Analyze early payment defaults, charge-offs, and skip accounts to determine root causes and possible fraud involvement.
- Collaborate with Repossession and Skip Tracing teams to locate and recover collateral.
- Recommend and support litigation efforts against fraudulent dealers or borrowers.
- Track and report financial impact of fraud and loss mitigation efforts on recoveries.
- Monitor and follow up on restitution payments, police reports, and insurance claims when applicable.
- Prevention & Compliance: Assist in developing and enhancing fraud detection rules, models, and early warning indicators in collaboration with Credit Risk and Decision Science.
- Support the development and delivery of fraud prevention training to internal teams (Sales, Funding, Credit, Servicing).
- Maintain accurate records and documentation in accordance with internal policies and regulatory requirements.
- Stay current on fraud trends, schemes, and technologies in auto lending.
We need to ensure each bullet is a
- . Some bullets have sub-bullets? Not needed.
Now Qualifications: we need to include Education & Experience, Knowledge & Skills, Preferred Certifications.
We can format as
- for each bullet? But there are sub-sections. Could do a
for prose then
for lists. Let's extract:
Education & Experience:
- Bachelor’s degree in Criminal Justice, Finance, Business Administration, or related field preferred.
- 3+ years of experience in auto finance, consumer lending, fraud investigations, or loss prevention.
- Experience in working with indirect auto lending and dealer fraud is highly preferred.
Knowledge & Skills:
- Strong knowledge of fraud typologies in subprime and prime auto lending environments.
- Familiarity with credit bureaus, vehicle valuation tools (e.g., NADA, KBB, BLACKBOOK, MMR), DMV documentation, and funding practices.
- Proficient in investigative tools such as LexisNexis, Accurint, CLEAR, TLOxp, CARFAX, and skip tracing databases.
- Understanding of relevant laws and regulations, including FCRA, UDAAP, GLBA, and ID theft laws.
- Ability to analyze large sets of data to identify anomalies or patterns indicative of fraud.
- Excellent written and verbal communication skills for case reporting and cross-functional collaboration.
- High level of integrity, confidentiality, and sound judgment in high-stakes situations.
Preferred Certifications (a plus, but not required):
- Certified Fraud Examiner (CFE)
- Certified Anti-Money Laundering Specialist (CAMS)
- Skip Tracer Certification
- Law Enforcement or Regulatory Agency experience (a plus)
We could output as a single Qualifications section with - for each bullet, but we need to keep the grouping? Not required. We'll just list all qualifications as bullet points.
But we might want to separate into subheadings? Not allowed because only allowed headings are the given list. So we cannot add subheadings like Knowledge & Skills. So we just list all qualifications as bullet points under Qualifications.
Now Benefits: list as
- .
Pay: we can put as
maybe with bullet? Since it's not a list but we can use
. The instruction: use
for prose. So Pay can be a
containing the salary range and bonus eligibility.
Now we need to ensure we don't include boilerplate: "Veros Credit, LLC is an equal opportunity employer. This Organization Participates in E-Verify." Remove.
Also remove duplicated lines: e.g., "Health, dental, and vision insurance." appears both in About Us and Compensation & Benefits; we should include only once in benefits list.
Now produce HTML fragment.
Structure:
About the role
... (combined description)
Responsibilities
- ...
...
Qualifications
- ...
...
Benefits
- ...
...
Pay
...
We should not include Schedule heading because not present.
Check that we didn't miss any substantive info: The About Us also mentions company events, free meals quarterly, holiday activities, etc. Those are benefits? They are part of company culture but could be considered benefits
for section headings (e.g. ...). Likely we should stick to those headings; other headings not needed. So we may drop Work Environment & Travel or incorporate into About the role? It mentions primarily office-based; occasional travel required. Could be part of About the role description. We'll incorporate into About the role paragraph.
Then "Compensation & Benefits:" with bullet list: Competitive salary based on experience, Annual bonus eligibility, Health, dental, and vision insurance, 401(k) with company match, Paid time off and holidays, Professional development reimbursement. Also later they give Salary: $24.00 - $29.00 per hour + Bonus. So we need Pay and Benefits sections. Pay: salary range + bonus eligibility. Benefits: list of insurance, 401(k), PTO, holidays, professional development reimbursement, etc. Also earlier in About Us they listed many benefits (medical, dental, vision, life insurance, FSA, accident, hospital, indemnity, STD/LTD, EAP, 401(k), tuition reimbursement, paid holidays, PTO, transportation reimbursement, referral bonus, quarterly lunches, daily fresh fruit, office starbucks, etc). That's also benefits. We should combine all benefits info, preserving all substantive info, not inventing. So we need to include all benefits mentioned: from About Us: Medical, Dental, Vision Insurance; Life Insurance; Flexible Spending Accounts (FSA); Accident, Hospital, Indemnity Insurance; Short Term Disability (STD) and Long-Term Disability (LTD) Insurance; Employee Assistance Program (EAP); 401(k) Plan; Tuition Reimbursement; Paid Holidays; Paid Time Off (PTO); Transportation Reimbursement Benefit (Mass Transit, Carpool, and Plug-In Electric Vehicle); Referral Bonus; Quarterly lunches; Daily fresh fruit; Office Starbucks Coffee/Latte/Espresso Machine; And a lot more! Also from Compensation & Benefits: Health, dental, and vision insurance (duplicate), 401(k) with company match, Paid time off and holidays, Professional development reimbursement. Also Annual bonus eligibility (belongs to Pay). Also Salary range.
Thus Benefits section should include all unique benefits: Medical, Dental, Vision Insurance; Life Insurance; FSA; Accident, Hospital, Indemnity Insurance; STD/LTD; EAP; 401(k) Plan (with company match); Tuition Reimbursement; Paid Holidays; Paid Time Off (PTO); Transportation Reimbursement Benefit (Mass Transit, Carpool, Plug-In Electric Vehicle); Referral Bonus; Quarterly lunches; Daily fresh fruit; Office Starbucks Coffee/Latte/Espresso Machine; Professional development reimbursement. Also maybe "And a lot more!" but we should not include vague filler. So we omit that phrase.
Pay section: Competitive salary based on experience; Annual bonus eligibility; Salary: $24.00 - $29.00 per hour + Bonus. We'll combine.
Now About the role: we need to combine the "About The Position" description plus maybe work environment & travel. Let's extract:
About The Position: The Fraud Investigator / Loss Mitigation Analyst is responsible for identifying, investigating, and resolving fraudulent activities and losses related to auto loan originations and servicing across a nationwide portfolio. This role plays a critical part in mitigating risk by conducting in-depth investigations of suspected fraud, collaborating with internal departments and external agencies, and developing strategies to prevent future occurrences. The ideal candidate will have a strong understanding of auto lending, credit risk, dealer relations, and asset recovery.
Then Work Environment & Travel: Primarily office-based; occasional travel required for dealer audits, court testimony, or field investigations (up to 10%).
We can incorporate that into About the role paragraph.
Now Responsibilities: list from Key Responsibilities: bullet points.
We need to output - for each.
Responsibilities list:
- Serve as the primary point of contact for dealer fraud or misconduct allegations routed from various departments, review leads and determine the appropriate course of action.
- Investigate dealer misconduct or collusion, including power booking, payment packing, fake down payments, and document tampering.
- Analyze auto loan applications, funding packages, and account activity for indicators of fraud, including identity theft, straw purchases, income/occupancy misrepresentation, synthetic identities, and forged documents.
- Conduct full reviews of dealer fraud claims, including high-volume or active dealers, to substantiate or verify allegations, and manage any resulting referrals, actions or communication.
- Maintain primary responsibility for analyzing and reviewing, and improving reports, to communicate findings/patterns/trends to the appropriate stakeholders.
- Conduct post-funding reviews and contract audits using internal and third-party data sources (e.g., LexisNexis, TLO, Clear, MVR).
- Interview applicants, dealers, and internal staff to gather statements and verify facts.
- Prepare detailed fraud case reports, summaries, and recommendations for internal stakeholders and legal counsel.
- Loss Mitigation & Recovery: Analyze early payment defaults, charge-offs, and skip accounts to determine root causes and possible fraud involvement.
- Collaborate with Repossession and Skip Tracing teams to locate and recover collateral.
- Recommend and support litigation efforts against fraudulent dealers or borrowers.
- Track and report financial impact of fraud and loss mitigation efforts on recoveries.
- Monitor and follow up on restitution payments, police reports, and insurance claims when applicable.
- Prevention & Compliance: Assist in developing and enhancing fraud detection rules, models, and early warning indicators in collaboration with Credit Risk and Decision Science.
- Support the development and delivery of fraud prevention training to internal teams (Sales, Funding, Credit, Servicing).
- Maintain accurate records and documentation in accordance with internal policies and regulatory requirements.
- Stay current on fraud trends, schemes, and technologies in auto lending.
We need to ensure each bullet is a
- . Some bullets have sub-bullets? Not needed.
Now Qualifications: we need to include Education & Experience, Knowledge & Skills, Preferred Certifications.
We can format as
- for each bullet? But there are sub-sections. Could do a
for prose then
for lists. Let's extract:
Education & Experience:
- Bachelor’s degree in Criminal Justice, Finance, Business Administration, or related field preferred.
- 3+ years of experience in auto finance, consumer lending, fraud investigations, or loss prevention.
- Experience in working with indirect auto lending and dealer fraud is highly preferred.
Knowledge & Skills:
- Strong knowledge of fraud typologies in subprime and prime auto lending environments.
- Familiarity with credit bureaus, vehicle valuation tools (e.g., NADA, KBB, BLACKBOOK, MMR), DMV documentation, and funding practices.
- Proficient in investigative tools such as LexisNexis, Accurint, CLEAR, TLOxp, CARFAX, and skip tracing databases.
- Understanding of relevant laws and regulations, including FCRA, UDAAP, GLBA, and ID theft laws.
- Ability to analyze large sets of data to identify anomalies or patterns indicative of fraud.
- Excellent written and verbal communication skills for case reporting and cross-functional collaboration.
- High level of integrity, confidentiality, and sound judgment in high-stakes situations.
Preferred Certifications (a plus, but not required):
- Certified Fraud Examiner (CFE)
- Certified Anti-Money Laundering Specialist (CAMS)
- Skip Tracer Certification
- Law Enforcement or Regulatory Agency experience (a plus)
We could output as a single Qualifications section with - for each bullet, but we need to keep the grouping? Not required. We'll just list all qualifications as bullet points.
But we might want to separate into subheadings? Not allowed because only allowed headings are the given list. So we cannot add subheadings like Knowledge & Skills. So we just list all qualifications as bullet points under Qualifications.
Now Benefits: list as
- .
Pay: we can put as
maybe with bullet? Since it's not a list but we can use
. The instruction: use
for prose. So Pay can be a
containing the salary range and bonus eligibility.
Now we need to ensure we don't include boilerplate: "Veros Credit, LLC is an equal opportunity employer. This Organization Participates in E-Verify." Remove.
Also remove duplicated lines: e.g., "Health, dental, and vision insurance." appears both in About Us and Compensation & Benefits; we should include only once in benefits list.
Now produce HTML fragment.
Structure:
About the role
... (combined description)
Responsibilities
- ...
...
Qualifications
- ...
...
Benefits
- ...
...
Pay
...
We should not include Schedule heading because not present.
Check that we didn't miss any substantive info: The About Us also mentions company events, free meals quarterly, holiday activities, etc. Those are benefits? They are part of company culture but could be considered benefits
- for each bullet? But there are sub-sections. Could do a
for prose then
- for lists. Let's extract:
Education & Experience:
- Bachelor’s degree in Criminal Justice, Finance, Business Administration, or related field preferred.
- 3+ years of experience in auto finance, consumer lending, fraud investigations, or loss prevention.
- Experience in working with indirect auto lending and dealer fraud is highly preferred.
Knowledge & Skills:
- Strong knowledge of fraud typologies in subprime and prime auto lending environments.
- Familiarity with credit bureaus, vehicle valuation tools (e.g., NADA, KBB, BLACKBOOK, MMR), DMV documentation, and funding practices.
- Proficient in investigative tools such as LexisNexis, Accurint, CLEAR, TLOxp, CARFAX, and skip tracing databases.
- Understanding of relevant laws and regulations, including FCRA, UDAAP, GLBA, and ID theft laws.
- Ability to analyze large sets of data to identify anomalies or patterns indicative of fraud.
- Excellent written and verbal communication skills for case reporting and cross-functional collaboration.
- High level of integrity, confidentiality, and sound judgment in high-stakes situations.
Preferred Certifications (a plus, but not required):
- Certified Fraud Examiner (CFE)
- Certified Anti-Money Laundering Specialist (CAMS)
- Skip Tracer Certification
- Law Enforcement or Regulatory Agency experience (a plus)
We could output as a single Qualifications section with
- for each bullet, but we need to keep the grouping? Not required. We'll just list all qualifications as bullet points.
But we might want to separate into subheadings? Not allowed because only allowed headings are the given list. So we cannot add subheadings like Knowledge & Skills. So we just list all qualifications as bullet points under Qualifications.
Now Benefits: list as
- .
Pay: we can put as
maybe with bullet? Since it's not a list but we can use
. The instruction: use
for prose. So Pay can be a
containing the salary range and bonus eligibility. Now we need to ensure we don't include boilerplate: "Veros Credit, LLC is an equal opportunity employer. This Organization Participates in E-Verify." Remove. Also remove duplicated lines: e.g., "Health, dental, and vision insurance." appears both in About Us and Compensation & Benefits; we should include only once in benefits list. Now produce HTML fragment. Structure:
About the role
... (combined description)
Responsibilities
- ... ...
Qualifications
- ... ...
Benefits
- ... ...
Pay
...
We should not include Schedule heading because not present. Check that we didn't miss any substantive info: The About Us also mentions company events, free meals quarterly, holiday activities, etc. Those are benefits? They are part of company culture but could be considered benefits
- .
Pay: we can put as
- for each bullet, but we need to keep the grouping? Not required. We'll just list all qualifications as bullet points.
But we might want to separate into subheadings? Not allowed because only allowed headings are the given list. So we cannot add subheadings like Knowledge & Skills. So we just list all qualifications as bullet points under Qualifications.
Now Benefits: list as