Senior Fraud Investigation Analyst

Self Financial is a venture-backed, high-growth FinTech company with a mission to increase economic inclusion and financial resilience by empowering people to build credit and build savings.

We're looking for people who share our passion and are driven to tackle challenges, find solutions and make the financial space better for the communities we serve.

Our team is passionate about challenging the status quo of the credit industry by providing people accessible tools to take control of their credit. Executing on our mission requires deep collaboration across our teams to ensure our products reach the people who can benefit from them the most, particularly the 100 million+ Americans who have no or low credit.

We celebrate diversity and are committed to creating an inclusive environment for all employees. To that end, we seek to recruit, develop and retain the most talented people from a diverse candidate pool.

About the Role:

Self is building a community of people who are looking to better their lives by building a credit history. You will join our Fraud Investigation team and be responsible for daily operational workflows supporting document reviews, fraud investigations, and customer verification. You will be challenged to use judgment to make decisions that will detect and mitigate fraud. You will be researching and investigating various red flag reviews and escalations as they relate to suspicious activity. You will be empowered to tackle daily fraud reviews and escalations to help our company scale and mitigate fraud loss.

Responsibilities may evolve within the above description as you become more tenured in the role. 

Responsibilities:

• Complete daily operational investigation tasks; including incoming document reviews, red flag reviews, and customer verifications which includes interacting with customers over email.
• Utilizes internal systems to analyze and research trends related to transaction and payment activity for complicated cases
• Investigate and monitors financial activity and transactions that appear to be suspicious
• Monitor internal channels for prioritized workflow processes, balancing quality with quantity
• Investigate accounts for loss mitigation leveraging industry knowledge and various systemic tools
• Analyze statistical data on complex cases to determine linkage across customers using various data elements
• Support product and company objectives as a SME to provide insight and feedback on current workflow processes and recommendations
• Make outbound contacts (email communication and phone calls) to customers to further investigate possible suspicious activity, identity theft, fraudulent applications etc.
• Use detective analysis on suspicious activity to identify control gaps and offer opportunities for improvement.

Qualifications:

• 5+ years of experience in fraud investigations, fraud, payment risk, account takeovers, document verification, KYC reviews, and knowledge of BSA/AML oversights (required)
• Extensive knowledge in 1st party/3rd party fraud, synthetic ID fraud, ID Theft, account takeover, and other fraud trends and use of tools to identify those
• Knowledge of BSA, AML, OFAC/Sanctions, and other AML regulatory policies

• Exceptional communication skills and experience in customer-facing interactions
• High EQ and ability to build rapport with team members
• Ability to adapt to change in a fast-paced environment and make judgmental
  business decisions with minimal need for managerial support
• Strong technical skills and knowledge of common rules such as Adverse Action
  notices, The Bank Secrecy Act, USA PATRIOT ACT, etc.
• Experience with tools such as Sentilink, Jira Service desk, Google Suite, Lexis Nexis,
  etc.

Base salary range: $72,000-88,000 annually.  Individual pay is based on factors unique to each candidate, including skill set, experience, and other job-related reasons.

Benefits and Perks:

We have the compensation and benefits you expect. But there's one thing that Self Financial can offer that many companies cannot: we can positively change the world, while making a profit. We are a team of Builders, empowering our customers to build their dreams. We have a Do the Right Thing ethos in all that we do, and we hope you value that approach, too. 

Our perks include:

• Company Equity in the form of Stock Options
• Quarterly performance-based bonuses
• Generous employer-paid health, vision and dental insurance coverage
• Flexible vacation policy
• Educational assistance
• Free gym membership
• Casual dress code
• Team building events and activities
• Remote work arrangements/ flexible work schedule
• Paid parental leave 

Self Financial requires all employees hired to successfully pass a background check.

We are an Equal Opportunity Employer.