Fraud Investigation Associate

Responsibilities

• Investigate suspicious applications at the point of onboarding to detect synthetic identities and third-party identity theft.
• Conduct deep-dive investigations into suspected fraud rings and organized criminal activity, collaborating closely with senior leadership on high-stakes cases.
• Manage the end-to-end investigation of suspicious activity. Gather "Know Your Customer" (KYC) documentation and prepare comprehensive case files for SAR consideration by the 2
  
  LoD team.
• Perform the initial clearing of Sanctions and PEP alerts, ensuring we are not facilitating prohibited transactions.
• Handle CFPB and Credit Reporting Agency (CRA) disputes specifically related to fraud claims, ensuring fair and timely resolution for victims of identity theft.
• Communicate directly with U.S. consumers to verify identity details and confirm the legitimacy of high-risk applications.

• 2+ years of experience in fraud investigations, specifically within U.S. fintech, personal loans, or credit cards.
• Equivalent Fin Crime investigative experience in US Law Enforcement.
• Experience using identity verification tools like Alloy or Socure.
• You know how to read an identity report beyond just the "Pass/Fail" score.
• Familiar with , how to navigate them, and how to conduct thorough investigations for fraud patterns.
• Ability to document complex investigations clearly so that business leadership, regulators and bank partners can easily follow your logic.
• Understanding of the FCRA (Fair Credit Reporting Act) and how it pertains to fraud disputes and consumer protection.

Demonstrates expertise in fraud investigations within U.S. fintech, focusing on identity verification and compliance with the Fair Credit Reporting Act. Capable of managing complex investigations and effectively communicating findings to stakeholders.