ABOUT OPORTUN

Oportun (Nasdaq: OPRT) is a mission-driven fintech that puts its 2.0 million members financial goals within reach. With intelligent borrowing, savings, and budgeting capabilities, Oportun empowers members with the confidence to build a better financial future. Since inception, Oportun has provided more than $16.6 billion in responsible and affordable credit, saved its members more than $2.4 billion in interest and fees, and helped its members save an average of more than $1,800 annually. Oportun has been certified as a Community Development Financial Institution (CDFI) since 2009.

WORKING AT OPORTUN

Working at Oportun means enjoying a differentiated experience of being part of a team that fosters a diverse, equitable and inclusive culture where we all feel a sense of belonging and are encouraged to share our perspectives. This inclusive culture is directly connected to our organizations performance and ability to fulfill our mission of delivering affordable credit to those left out of the financial mainstream. We celebrate and nurture our inclusive culture through our employee resource groups.

POSITION OVERVIEW

The Specialist, FIU role entails managing an ongoing fraud queue to detect and prevent fraudulent transactions, reviewing suspicious accounts using internal and external fraud tools, and taking necessary actions within established policies and procedures. This professional is expected to research and analyze data to identify fraudulent activities like false information, identity theft, or collusion with employees, track high-volume fraud trends, and escalate findings to leadership. Through case reviews, they provide insights into fraud trends and suggest process improvements. Additionally, they gather and analyze evidence, interact with members over the phone for fraud-related issues, and conduct comprehensive KYC/CDD checks.

RESPONSIBILITIES

Manage an ongoing fraud queue to detect and prevent fraudulent transactions
Review suspicious accounts using internal and external fraud tools, and take action in accordance with our policies and procedures
Research and analyze data to detect fraudulent activity such as potentially false information, identity theft, potential collusion with company employees in originating fraudulent loans, etc.
Ability to track and monitor high-volume fraud trends and escalate to leadership
Through case reviews, analyze fraud trends and provide recommendations for process improvements or procedures related to fraud mitigation strategies
Gather and analyze evidence, including transaction records, communication logs, and other relevant information
As needed, can interact over the phone with members to assist with fraud related challenges or investigations as needed
Perform comprehensive KYC/CDD checks and verification processes for both new and existing members
Additional responsibilities as requested

REQUIREMENTS

0-2 years of professional experience, including 1+ years conducting fraud operations and/or AML, KYC document reviews
Bilingual English/Spanish (Written and Oral) is highly preferred
Knowledge of KYC, SAR, AML, BSA, OFAC/FinCen is a plus Ability to analyze, summarize, and communicate findings and issues drawn from facts
Knowledge of fraud investigative techniques and practices
A keen eye for detail and self-driven; a high degree of independence is necessary to succeed
Problem-solving and analytical skills required
Exceptional interpersonal skills
Demonstrate a strong work ethic and professional integrity
Excellent oral and written communication skills
Excellent organizational skills
Ability to execute with a sense of urgency
Ability to resolve complex issues
Must demonstrate experience in answering customer inquiries and providing a positive exceptional customer experience
Strong knowledge of desktop computer applications, such as Microsoft Word, PowerPoint, and Excel

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We are proud to be an Equal Opportunity Employer and consider all qualified applicants for employment opportunities without regard to race, age, color, religion, gender, national origin, disability, sexual orientation, veteran status or any other category protected by the laws or regulations in the locations where we operate.

California applicants can find a copy of Oportuns CCPA Notice here: https://oportun.com/privacy/california-privacy-notice/.

We will never request personal identifiable information (bank, credit card, etc.) before you are hired. We do not charge you for pre-employment fees such as background checks, training, or equipment. If you think you have been a victim of fraud by someone posing as us, please report your experience to the FBI’s Internet Crime Complaint Center (IC3).