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Associate, Fraud Investigator

Remote

OppFi is a tech-enabled, mission-driven specialty finance platform that broadens the reach of community banks to extend credit access to everyday Americans. Through best-in-class customer service, transparency, responsible lending, and financial inclusion, we support consumers, who are turned away by mainstream options, to build better financial health.

We are a team of caring, innovative, and inclusive individuals who thrive in being immersed in diverse talents, expertise, perspectives, and backgrounds. Our employees approach every new challenge with an unparalleled ability to see what could be rather than settle for what is. Our business principles guide us and create an open and collaborative culture where we improve 1% every day, and the best ideas always win! We welcome individuals who want to make an impact in the financial system by facilitating credit access, expanding financial inclusion, promoting financial health, and delivering exceptional customer service.

A few other fun facts about us. OppFi is one of the top consumer-rated financial platforms online, maintaining a 4.5/5.0-star rating on Trustpilot. We are a 2023 Crain’s Fast 50™ company and were named on Built In's 2024 Best Places to Work in Chicago.

About the job:

As a Fraud Investigator, you will play a crucial role in protecting both our customers and the organization from fraudulent activities. Your primary responsibility will be to review customer disputes and claims related to suspected fraud, and review application documents to determine if fraud did occur, and what type of fraud was perpetrated.

The main purpose of this position is to determine the validity of fraud claims, providing support to victims as they navigate the complexities of identity theft. By investigating these cases thoroughly, you will help safeguard our customers' financial well-being while also mitigating potential losses for the company.

In this role, you will conduct detailed analyses of customer accounts and transactions, gather relevant evidence, and collaborate with other departments as needed. Your findings will not only assist in clearing victims' credit records but will also inform the organization’s broader strategies for fraud prevention and risk management. You will be an advocate for our customers, ensuring they receive the guidance and support necessary to resolve their issues and restore their confidence in our services.  Your efforts will directly contribute to enhancing the overall security and integrity of our organization, making you an essential part of our commitment to providing a safe and reliable experience for our customers.

What you get to do:

  • Investigate and research cases of identified fraud, fraud loss, or suspicious events to identify fraud rings and patterns, assist victims in resolving fraud events, and denying fraud claims identified as false through investigation
  • Thoroughly investigate cases of potential and suspected fraud to determine validity of claims.
  • Perform independent, comprehensive, investigative reviews related to financial fraud types like Identity Theft, Payment Fraud, Elder Financial Abuse etc.
  • Provide timely and accurate response to ensure customers receive the best service when verification is requested
  • Communicate risk decisions effectively in both verbal and written communication to customers, internal business partners, agent offices and management.
  • Maintain accurate records of investigations, findings, and actions taken, adhering to confidentiality and data protection standards.
  • Provide consultation and day-to-day support to internal associates related to fraud investigations and loss mitigation opportunities
  • Perform other jobs as assigned such as assisting to train department personnel 
  • Maintain and manage a caseload while meeting competing SLA requirements.

What you will bring to the team:

  • Bachelor’s Degree in a business related discipline preferred. Equivalent work experience in business management or criminal justice may substitute education requirement
  • 2+ years of work experience with minimum 1 year of fraud Investigations experience required
  • In depth knowledge and understanding of fraud
  • Proficiency with Microsoft Office products including Word and Excel and knowledge of Databases
  • Strong research skills
  • Excellent verbal, written, and interpersonal communication skills
  • Ability to meet stringent deadlines
  • Ability to achieve high production and quality standards
  • Ability to work effectively, as well as independently, in a team environment
  • The ability to deal with ambiguity and a changing work environment

Reports to: Fraud Investigation Manager

Job Level:  Associate

Total Rewards and Benefits:

The starting base salary for this position is $46,792 per year. The actual offer, reflecting the total compensation package and benefits, will be at the company’s sole discretion and determined by a myriad of factors including, but not limited to, years of experience, depth of experience, and other relevant business considerations. The total compensation package includes eligibility and potential for performance-based bonuses as well as equity grants dependent upon the role and job level.

OppFi offers a flexible, remote environment, 401(k) matching program, and generous paid time off. Other benefits include medical, dental, and vision coverage, and tuition reimbursement. There are also additional benefits, including DoorDash DashPass, Figo pet insurance, Rocket Lawyer, and access to LinkedIn Learning. OppFi also offers Fringe, which is a lifestyle benefits platform that allows employees to decide how to spend rewards from dozens of vendors like Uber, DoorDash, and UrbanSitter. #LI-Remote

EEO Statement:

OppFi is an equal opportunity employer and does not discriminate based on any actual or perceived legally recognized protected bases under local, state, federal law, or regulations. Our goal as a company is to build an equitable workplace that actively works to dismantle systems of oppression in our processes, procedures, and interactions. We aim to help our employees thrive where they work and beyond. Check out our Culture page here.

As part of OppFi’s commitment to providing equal opportunity to qualified individuals, OppFi will ensure that persons with disabilities are provided reasonable accommodation as defined by applicable laws and organizational policies. If reasonable accommodation is needed to participate in the job application or interview processes or job requirements, please contact our People Team at recruiting@oppfi.com.

Pursuant to the requirements of the California Consumer Privacy Act, OppFi is providing the "OppFi California Employee Privacy Policy", which details the categories of personal information collected and your rights under the policy. If you are a California resident, please review the policy here: https://www.oppfi.com/careers/.

The information in this document is for general informational purposes only. It is not intended to be an all-inclusive list or description of the organization and its requirements for positions and employees. OppFi reserves the right to modify or change the information on this document at its discretion.

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