Fraud Monitoring Analyst

Upgrade is a fintech company that provides affordable and responsible credit, mobile banking, and payment products to everyday consumers. We were the fastest growing company in the Americas last year according to the Financial Times and Upgrade Card was the fastest growing credit card in America two years in a row. We have delivered over $33 billion in affordable and responsible credit to our 5.5M customers. The company is backed by some of the most prominent technology investors and was recently valued at $6.3B.

We have built an energizing, collaborative and inclusive culture where team members help each other, learn and innovate to move the company and its customers in the right direction, and own the outcome of their efforts.

Upgrade has been named a “Best Place to Work in the Bay Area” three years in a row, “Top Companies to work for in Arizona” and one of the "Best Engineering Department" awarded annually by Comparably. We've also received recognition for being a best company for Diversity, Women, Culture, and Veterans.

We are looking for new team members who get excited about designing and delivering new and better products to join a team of 1850 talented and dedicated professionals. Come work with us if you like to tackle big problems and make a meaningful difference in people's lives.

About the Role: 

We're looking for a Fraud Monitoring Analyst that will be responsible for monitoring, identifying and investigating suspicious transactions. The Fraud Monitoring Analyst will also provide feedback to data teams regarding rule development as well develop processes and best practices. They will play an integral role in assisting with the growth and development of the team and improving processes and procedures. This role will be based in our San Francisco office. 

What You'll Do: 

• Conduct thorough investigations on suspicious transactions, including generated alerts generated by detected systems, by utilizing internal data and open-source research tools to detect fraudulent activity.
• Monitor loss prevention controls (reports and other functions) to minimize losses and assist with the development of these controls
• Comprehend the risks associated with AML and fraud typologies that are presented by Upgrade’s product offerings and services, including lending and deposit products
• Recognize and escalate potentially suspicious trends for further review.
• Assist the Fraud Monitoring Manager with additional tasks and/or service level agreements to support the Fraud Investigations and Operations Department and its business partners
• Conduct second reviews evaluations on FRIO tickets to ensure quality and consistency in fraud decisioning
• Meet individual key performance indicators (KPIs) including accuracy and productivity

What We Look For:

• 2-3 years of BSA/AML, Investigations, or Fraud related experience
• Bachelor's degree required
• Outstanding verbal and written communication skills, attention to detail, and the ability to work independently
• Good organizational skills and attention to detail are essential
• Ability to work well in fast-paced, multi-task environment, and be team oriented
• Proficiency in SQL

Nice to Have:

• Advanced Excel knowledge
• CAMS, CFE, Zendesk and/or CGSS preferred
• Prior experience in FinTech or start-up environment

What We Offer You: 

• Competitive salary and stock option plan
• 100% paid coverage of medical, dental and vision insurance 
• Flexible PTO
• Opportunities for professional growth and development  
• Paid parental leave
• Health & wellness initiatives

The compensation range of this position in San Francisco, CA is USD $70,000-$85,000 annually plus equity and benefits. Within this range, an individual's base pay will be dependent on a variety of factors, including without limitation, job-related knowledge, skills, education, and experience.

We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.