Fraud Investigator - Auto Consumer Fraud

Ally and Your Career Ally Financial only succeeds when its people do - and that’s more than some cliché people put on job postings. We love this stuff! We see our people as, well, people - with interests, families, friends, dreams, and causes that are all important to them. Our focus is on the health and safety of our teammates as well as work-life balance and diversity and inclusion.

From generous benefits to a variety of employee resource groups, we strive to build paths that encourage employees to stretch themselves professionally. We want to help you grow, develop, and learn new things. You’re constantly evolving, so shouldn’t your opportunities be, too?

• (1) fully on-site
• (2) hybrid
• (3) fully remote

Hybrid roles are generally expected to be in the office a certain number of days per week as indicated by your manager. Your hiring manager will discuss this role's specific work requirements with you during the hiring process. All work requirements are subject to change at any time based on leader discretion and/or business need.

The position is responsible for investigating suspected fraud and financial crimes impacting the Auto Finance business, identifying control weaknesses, recommending risk mitigation strategies, and preparing investigative reports for management and regulatory purposes. The role partners closely with Legal, Compliance, Risk, Audit, law enforcement, and Enterprise Fraud Security & Investigations (EFSI) to identify, investigate, and mitigate fraud risks while supporting the organization's risk appetite and compliance objectives.

• Conduct fraud and financial crime investigations involving consumer auto finance accounts.
• Develop investigative plans, gather evidence, analyze data, and document findings.
• Research fraud trends, schemes, and emerging risks using internal systems and external sources.
• Evaluate fraud controls and recommend enhancements to strengthen the control environment.
• Execute fraud mitigation and loss prevention strategies.
• Prepare clear investigative reports for senior leadership, regulatory reporting, and FinCEN requirements.
• Support recovery efforts including repossessions, restitution, insurance claims, and assumptions.
• Partner with EFSI on high-risk or complex investigations.
• Ensure adherence to enterprise fraud policies, standards, and procedures.
• Support portfolio risk management activities and risk appetite monitoring.
• Collaborate with Legal, Compliance, Risk, Audit, vendors, and law enforcement.

• Associate/Bachelor’s/MBA degree in Business, Criminal Justice, or related field preferred.
• Experience in fraud investigations/Consumer Fraud Industry experience (auto, bank, card, mortgage, etc.).
• Certification in area of specialization-CFE (Certified Fraud Examiner Certification) or equivalent-strongly preferred.
• Fraud investigations and risk assessment.
• Report writing and documentation.
• Regulatory compliance awareness.
• Relationship management and collaboration.
• Strong verbal and written communication skills.
• Critical thinking skills.
• Organizational and project management skills.

• 1+ years of experience
• High school Diploma or GED equivalent

• Time Away:
  Program starts at 20 paid time off days in addition to 11 paid holidays and 8 hours of volunteer time off yearly (time off days are prorated based on start date and program varies based on full or part-time status and management level).
• Planning for the Future: plan for the near and long term with an industry-leading 401K retirement savings plan with matching and company contributions, student loan pay downs and 529 educational save up assistance programs, tuition reimbursement, employee stock purchase plan, and financial…