Fiu Analyst

Summary

Join Oportun's Financial Intelligence Unit (FIU) as a Fraud Analyst and play a crucial role in minimizing and preventing financial losses from fraudulent transactions. You will conduct thorough investigations, analyze suspicious activity, and report findings according to departmental procedures and federal regulations. This role demands strong analytical and problem-solving skills, excellent communication, and the ability to collaborate effectively with internal and external partners. You will contribute to the ongoing evolution of Oportun's risk management policies and procedures, while providing exceptional customer service. The position requires a minimum of 4-6 years of experience in AML and fraud investigation within installment loans, credit cards, or auto finance. Bilingual English/Spanish proficiency is highly recommended.

Requirements

• Minimum 4 – 6 years of experience
• Functional skills: AML and fraud experience in installment loans, AML investigations, credit cards or auto finance
• Must possess strong knowledge of AML, fraud and risk management strategies and principles
• A keen eye for detail and self-driven; a high degree of independence is necessary to succeed
• Problem-solving and analytical skills required
• Ability to provide a detailed analysis when identifying fraud trends
• Exceptional interpersonal skills
• Demonstrate a strong work ethic and professional integrity
• Excellent oral and written communication skills
• Excellent organizational skills
• Ability to collaborate and execute with all levels of the organization
• Ability to execute with a sense of urgency
• Ability to resolve complex issues
• Must demonstrate experience in answering customer inquiries and providing a positive exceptional customer experience
• Strong knowledge of desktop computer applications, such as Microsoft Word, PowerPoint, and Excel
• Ability to work well under strict deadlines in a high paced and agile environment

Responsibilities

• Provide an independent and objective approach of fraud prevention and analysis within Oportun
• Lead root cause analysis on internal and external AML and fraud investigations
• Required to abide by all applicable regulatory and departmental practices and procedures
• Provide a high level of service to customers, claimants, internal partners, and external partners
• Ability to track and monitor a high volume fraud trends and escalate to upper management
• Review accounts flagged for potential fraud or other violations such as potentially false information, identity theft, potential collusion with company employees in originating fraudulent loans, etc
• Address AML, OFAC, and Fraud alerts on time and in accordance with agreed upon service level agreements (SLA)
• Conduct thorough investigations of reported fraud or suspicious activity and be able to create reports/summaries to be distributed to affected members of the organization
• Develop and maintain partnerships with internal business owners to continually improve and strengthen fraud investigations and mitigate potential fraud risk
• Contribute to the ongoing evolution of Oportun’s risk management policies & procedures
• Assess current and new business processes to identify and enhance alerts to prevent fraudulent activity
• Develop and recommend new alert methodologies and means to detect and prevent fraud
• Additional responsibilities as requested
• Special projects as requested
• Participate in industry working groups as requested
• Extended working hours may be required per business need if requested
• Some domestic and international travel may be necessary
• Experience working with overseas and remote employees
• Rotating Weekend coverage per business need, if requested

Preferred Qualifications

Bilingual English/Spanish (Written and Oral) is highly recommended