Fraud Operations Investigator II

Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without any hidden fees or compounding interest.

As a company that underwrites and services loans, we are extremely attentive to fraud prevention. We will not be successful unless we maintain and scale out our exceptional fraud monitoring and deterrence processes, keeping would-be fraudsters at bay.   What You’ll Do

• Research unauthorized loan claims to ensure accurate and appropriate responses to our customers
• Investigate and review FCRA disputes received from credit reporting agencies
• Review chargebacks and compile evidence for the process of representment
• Regularly review suspicious account activities, spot trends and identify links to deter fraud attacks
• Work collaboratively with our Back Office team to resolve incoming customer complaints
• Influence development of risk models and review procedures
• Assist with ad-hoc projects as needed

What We Look For

• Passion and drive to change consumer banking for the better
• 1-2 years of queue based fraud review and disputes review experience
•  A keen eye for detecting and deterring fraud and risk
• Experience with investigation tools such as: TLO, LexisNexis, Emailage, Ekata, Pipl, Etc.
• Excellent analytical and problem solving skills
• Working knowledge of SQL and some programming language preferred
• SQL/Snowflake experience is a plus

Pay Grade - D
Equity Grade - 1

Employees new to Affirm typically come in at the start of the pay range. Affirm focuses on providing a simple and transparent pay structure which is based on a variety of factors, including location, experience and job-related skills.

Base pay is part of a total compensation package that may include equity rewards, monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents.)

USA base pay range (CA, WA, NY, NJ, CT) per year: $70,000 - $90,000
USA base pay range (all other U.S. states) per year: $62,000 - $82,000

Please note that visa sponsorship is not available for this position.

#LI-Remote

Affirm is proud to be a remote-first company! The majority of our roles are remote and you can work almost anywhere within the country of employment. Affirmers in proximal roles have the flexibility to work remotely, but will occasionally be required to work out of their assigned Affirm office. A limited number of roles remain office-based due to the nature of their job responsibilities.

We’re extremely proud to offer competitive benefits that are anchored to our core value of people come first. Some key highlights of our benefits package include: 

• Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents 
• Flexible Spending Wallets - generous stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses
• Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge
• ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount

We believe It’s On Us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process.

[For U.S. positions that could be performed in Los Angeles or San Francisco] Pursuant to the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, Affirm will consider for employment qualified applicants with arrest and conviction records.

By clicking "Submit Application," you acknowledge that you have read Affirm's Global Candidate Privacy Notice and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

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