FIU Specialist

Summary

Join Oportun as a Specialist, FIU and manage an ongoing fraud queue to detect and prevent fraudulent transactions. Review suspicious accounts using internal and external fraud tools and take action according to policies and procedures. Research and analyze data to detect fraudulent activity, track high-volume fraud trends, and escalate issues to leadership. Analyze fraud trends from case reviews and provide recommendations for process improvements related to fraud mitigation strategies. Gather and analyze evidence, interact with members over the phone, conduct outbound calls, and perform KYC/CDD checks for new and existing members. This role requires strong analytical, problem-solving, and communication skills, along with experience in fraud operations and AML/KYC document reviews.

Requirements

• 0-2 years of professional experience, including 1+ years conducting fraud operations and/or AML, KYC document reviews
• Ability to analyze, summarize, and communicate findings and issues drawn from facts
• Knowledge of fraud investigative techniques and practices
• A keen eye for detail and self-driven; a high degree of independence is necessary to succeed
• Problem-solving and analytical skills required
• Exceptional interpersonal skills
• Demonstrate a strong work ethic and professional integrity
• Excellent oral and written communication skills
• Excellent organizational skills
• 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

Responsibilities

• Manage an ongoing fraud queue to detect and prevent fraudulent transactions
• Review suspicious accounts using internal and external fraud tools, and take action in accordance with our policies and procedures
• Research and analyze data to detect fraudulent activity such as potentially false information, identity theft, potential collusion with company employees in originating fraudulent loans, etc
• Ability to track and monitor high-volume fraud trends and escalate to leadership
• Through case reviews, analyze fraud trends and provide recommendations for process improvements or procedures related to fraud mitigation strategies
• Gather and analyze evidence, including transaction records, communication logs, and other relevant information
• As needed, can interact over the phone with members to assist with fraud related challenges or investigations as needed (inbound calls)
• Conduct outbound calls in an attempt to contact applicants as required by processes (FACTA calls)
• Perform comprehensive KYC/CDD checks and verification processes for both new and existing members
• Additional responsibilities as requested

Preferred Qualifications

• Bilingual English/Spanish (Written and Oral) is highly preferred
• Knowledge of KYC, SAR, AML, BSA, OFAC/FinCen is a plus