Fraud Operations Analyst

Overview

Collaborative. Respectful. A place to dream and do. These are just a few words that describe what life is like  one of the world’s most admired brands, Toyota is growing and leading the future of mobility through innovative, high‑quality solutions designed to enhance lives and delight those we serve. We’re looking for talented team members who want to Dream. Do. Grow.

with us.

An important part of the Toyota family is Toyota Financial Services (TFS), the finance and insurance brand for Toyota and Lexus in North America. While TFS is a separate business entity, it is an essential part of this world‑changing company‑ delivering on Toyota's vision to move people beyond what's possible. At TFS, you will help create best‑in‑class customer experience in an innovative, collaborative environment.

To save time applying, Toyota does not offer sponsorship of job applicants for employment‑based visas or any other work authorization for this position at this time.

Toyota’s Fraud Operations Department is looking for a passionate and highly motivated Fraud Operations Analyst.

The primary responsibility of this role is the identification, evaluation and disposition of consumer and commercial financial fraud alerts and investigations including retail and online banking, mortgage transactions, commercial lending and indirect auto loans. The position requires deep knowledge of fraud in banking and financial services including all aspects of fraud prevention, detection, investigation, and recovery.

The position will also support the Sr. Fraud Analyst in the implementation of a robust anti‑fraud program which will provide oversight and controls for Toyota Financial Savings Bank and its affiliates. The Fraud Operations Analyst must have experience responding to fraud alerts including without limitation, identity theft, application fraud, account take‑over, fraud on lending products, customer scams and mule activities while balancing customer experience and minimizing friction.

Strong experience with fraud investigations.

Reporting to the Fraud Operations Manager, the person in this role will support the Fraud department's objective to enhance fraud risk mitigation for Toyota Financial Savings Bank and its affiliates.

• Effectively review fraud alerts using internal systems and external tools to recommend appropriate resolutions.
• Timely creation and decision of alerts to fraud cases of which some may result in the drafting of a Suspicious Activity Report (SAR).
• Analyze customer accounts, transactional data, and behavioral patterns to identified anomalies; ensuring that cases are investigated, if necessary escalated and properly dispositioned.
• Identify the characteristics of fraud of each when present including identity theft, account takeover, scams, disputes and all other relevant 1st and 3rd party fraud experienced by online/digital banks and immediately bring to the attention of management.
• Strengthen the development and execution of loss prevention and recovery strategies.
• Analyze, identify, and communicate to leadership the links between fraudulent transactions to prevent current or future exposure.
• Demonstrate intellectual agility to work in an unstructured environment with the ability to organize and prioritize assignments, day‑to‑day responsibilities and unplanned action items that must be completed to meet management expectations and compliance deadlines.
• Identify and recommend enhancements and process improvements based on assessment of fraud systems and processes.
• Manage or work on department projects at the direction of the Fraud Operations Manager and/or the department Director.
• Work closely with internal departments and have active participation in team and department meetings to discuss fraud rends or specific events and countermeasures.
• Ensure timely response to fraud events to follow incident response plans and maximize chances of recovery.

• Stay informed of fraud trends, schemes, and regulatory updates to proactively improve fraud controls.
• Support Fraud Operations leadership in the execution…