Fraud And Compliance Specialist

Summary

Join Mosaic, a company dedicated to financing clean energy for homes, as a Fraud, Compliance and Complaint Specialist. This remote-first role involves investigating and resolving complex fraud and compliance cases, protecting Mosaic from legal and financial risks. You will conduct thorough investigations, analyze data, collaborate with internal stakeholders, and develop fraud prevention strategies. The ideal candidate possesses strong analytical and problem-solving skills, experience in fraud investigation, and knowledge of relevant regulations. Mosaic offers a competitive salary, bonus potential, and a comprehensive benefits package.

Requirements

• Basic knowledge of lending regulations, and some or all: FCRA, SCRA, Reg Z, UDAAP, BSA/AML, TILA, OFAC
• Able to solve problems independently and prioritize effectively
• Comfortable reviewing loan and financial transaction information
• Google Suite, Salesforce, Purecloud, Periscope, LexisNexis, Bridger, DataTree, Emailage
• Ability to see patterns and spot suspicious behavior
• Proven experience (3 years or more) as a Fraud Investigation Specialist, conducting complex investigations, preferably in a corporate or financial institution setting
• Strong knowledge of fraud detection and prevention techniques, as well as a solid understanding of relevant laws, regulations, and industry standards
• Proficient in utilizing data analysis tools and techniques to identify patterns, anomalies, and trends indicative of fraudulent activities
• Excellent analytical and problem-solving skills, with the ability to think critically and make sound decisions under pressure
• Exceptional attention to detail and strong organizational skills to handle multiple investigations simultaneously
• Effective verbal and written communication skills, with the ability to articulate complex findings and recommendations to both technical and non-technical stakeholders
• Strong collaboration and interpersonal skills, with the ability to work effectively in cross-functional teams
• High ethical standards and integrity, maintaining confidentiality and professionalism throughout investigations

Responsibilities

• Investigate and solve fraud and compliance cases using various tools available: LexisNexis, DataTree, Emailage, and others
• Resolve borrower complaints including Social Media disputes (BBB, Yelp, Facebook)
• Resolve FCRA disputes
• Perform investigations for Legal department and write up first-pass legal responses with recommendations
• Come up with necessary risk prevention processes and continuously look for ways to mitigate risk
• Conduct thorough investigations into suspected fraudulent activities, including but not limited to Installer fraud, borrower fraud, and 3rd party fraud
• Gather and analyze evidence, employing a variety of investigative techniques, such as forensic accounting, call listening, data analysis, and interviews, to uncover fraudulent schemes and identify responsible parties
• Collaborate with internal stakeholders, including legal, compliance, and Risk, to ensure appropriate actions are taken to address identified fraud cases
• Develop and implement fraud prevention strategies and controls to mitigate risks and safeguard company assets
• Stay up-to-date with emerging fraud trends, industry best practices, and regulatory requirements related to fraud detection and prevention
• Create comprehensive investigative reports, documenting findings, recommendations, and actions taken to address fraud or complaint incidents
• Assist in the development and implementation of fraud detection tools and systems to enhance the company's ability to identify potential fraudulent activities
• Collaborate with cross-functional teams to ensure a proactive and coordinated approach to fraud prevention and detection across the organization

Preferred Qualifications

• Bilingual (Spanish and English) is a plus, but not required
• Advanced certifications such as Certified Fraud Examiner (CFE) or similar are highly desirable
• Experience with fraud detection software and knowledge of relevant technologies would be advantageous

Benefits

• Robust Health, Dental, and Vision Plans
• Generous paid time off
• 401k Match
• Lifestyle Spending accounts for professional wellness
• Mental Health: Headspace subscription, online therapy sessions