FIU Analyst

SUMMARY
 
As a Fraud Analyst within the Financial Intelligence Unit (FIU), you will minimize and prevent losses resulting from high-risk fraudulent transactions. You will work under general supervision and demonstrate judgment capability to review and/or investigate risk transactions or reports. Per departmental procedures and Federal Regulations, you will take proactive measures to prevent losses through any of the following: performing investigations, restricting accounts, analyzing suspicious account activity and properly reporting and categorizing activity that has created loss exposure. You will operate in a team environment and often have customer communications as a key component of your job responsibility. You will also rely on effective relationships with representatives from various lines of business and outside financial institutions.
 

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

Other Functions:

• Additional responsibilities as requested
• Special projects as requested
• Participate in industry working groups as requested

Working Conditions:

• 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

Qualifications

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

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