Fraud Investigation Analyst

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 senior 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.
• Conduct thorough investigations into suspected cases of financial fraud, including but not limited to account takeovers, identity theft, payment fraud, and unauthorized transactions.
• Document investigation findings, maintain detailed case records, and prepare findings in reports for management as necessary.
• Utilize advanced analytical tools and techniques to identify patterns, anomalies, and potential fraud indicators 
• 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 
• 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:

• 2+ years of experience in financial fraud investigation or related role within the fintech, banking, or payments industry working on payment and identity investigations, fraud typologies, document verification, and/or KYC reviews (required)
• Experience working with Visa, ACH, Check payments and chargebacks
• 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.
• Knowledge of relevant regulations and compliance requirements pertaining to financial fraud prevention, such as Anti-Money Laundering (AML) and Know Your Customer (KYC) regulations.
• Austin, Texas based preferred or willing to travel for training or ongoing business needs.

Personality Traits:

• Enjoys tackling repetitive tasks and offering ideas for process improvement
• Ability to work both independently and on a small team with minimal supervision
• Brings high energy and interest to customer inquiries and remains calm under pressure 
• Strong written, verbal, and organization skills
• Can join team culture and build rapport remotely

Base salary range: $58,500- $71,500 annually.  Individual pay is based on factors unique to each candidate, including skill set, experience, and other job-related reasons.