FIU Analyst (R12780) at Oportun

Oportun is seeking a Fraud Analyst to join its Financial Intelligence Unit (FIU). This role is pivotal in minimizing and preventing losses from high-risk fraudulent transactions. The Fraud Analyst will work under general supervision, demonstrating strong judgment in reviewing and investigating risk transactions or reports.

The role involves taking proactive measures to prevent losses through investigations, restricting accounts, analyzing suspicious account activity, and properly reporting and categorizing activity that has created loss exposure. The Fraud Analyst will operate within a team environment, frequently communicating with customers and maintaining effective relationships with representatives from various lines of business and outside financial institutions.

Responsibilities:

• Provide an independent and objective approach to fraud prevention and analysis.
• Lead root cause analysis on internal and external AML and fraud investigations.
• Track and monitor high volume fraud trends and escalate to upper management.
• Review accounts flagged for potential fraud or other violations.
• Conduct thorough investigations of reported fraud or suspicious activity.
• Develop and maintain partnerships with internal business owners.
• Contribute to the ongoing evolution of Oportun’s risk management policies & procedures.
• Assess current and new business processes to identify and enhance alerts.
• Develop and recommend new alert methodologies and means to detect and prevent fraud.

Requirements:

• Bilingual English/Spanish (Written and Oral) is highly recommended
• Minimum 4 – 6 years of experience
• AML and fraud experience in installment loans, AML investigations, credit cards or auto finance
• Strong knowledge of AML, fraud and risk management strategies and principles
• Excellent oral and written communication skills
• Excellent organizational skills
• Ability to execute with a sense of urgency
• Strong knowledge of desktop computer applications

Oportun offers:

• A diverse, equitable, and inclusive culture.
• Opportunity to work in a mission-driven fintech company.
• Being part of a team that fosters a sense of belonging.