Fraud Investigator, Credit Card

1 month ago

Salt Lake, Utah, United States SoFi Full time

Employee Applicant Privacy Notice
Who we are:
Shape a brighter financial future with us.
Together with our members, we're changing the way people think about and interact with personal finance.
We're a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we're at the forefront. We're proud to come to work every day knowing that what we do has a direct impact on people's lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world.
The role:
We are seeking a talented and self-motivated Fraud Investigator to join our Fraud Operations team. Our candidate's main focus will be investigating SoFi's Credit Card fraud, specifically application fraud, account activity fraud, and fraud claims. An Investigation will include reviewing all SoFi products associated with the case (Credit Cards, Loans, Investment, and Checking/Savings). The Investigator will determine if the activity identified requires to file or not to file Suspicious Activity Reports. The ideal candidate will be able to advise and assist Management with creating and implementing strategic decisions, while driving business objectives.
What you'll do:

  • Conducts thorough investigations on identified and suspicious accounts within the specified systems. Ability to create a case file with documentation to support the final decision.
  • Monitoring of fraud claims to ensure the validity of the claim, which may include contacting merchants, and financial institutions and/or clarifying customer statements as necessary. Gathering appropriate documentation to support the final determination
  • Identify fraud trends, make recommendations for new strategies to prevent additional losses, and assume responsibility for special projects as assigned by Management
  • Review alerts/reports to detect unusual activity including writing narrative, and gathering supporting documentation
  • Ensure compliance with departmental standards and processes to increase production and accommodate work volumes
  • Assist Management with creating short-term and long-term plans identifying associated benefits of strategies that are to be developed to reduce fraud exposure
  • Builds and maintains thriving relationships between partners and vendors, cultivating a culture of collaboration, transparency, and mutual success
  • Fosters a culture of accountability, collaboration, speed, innovation, excellence, and a fun work environment while focusing on continuous improvment.

What you'll need:

  • 3+ years of relevant fraud investigation experience in the banking or financial services industry
  • Strong knowledge of credit cards while also having a working knowledge of check, ACH, wire, debit card, and other payment channels operating rules. Understanding of electronic crimes as they relate to card fraud and theft of credentials
  • Thorough understanding of credit card operations, regulations, industry trends & best practices.
  • Working knowledge of banking operations and applicable regulations
  • Must be able to establish peer relationships; communicate and work effectively with all levels within the organization/vendors/external financial institutions
  • Excellent project management, organizational, and negotiation skills are required
  • Excellent Skills in: time management, decision-making, judgment, problem-solving, and prioritization
  • Accepts responsibility, ownership, and accountability for work results and actions
  • Thrives in a high-volume, energetic, and team-focused environment

Compensation and Benefits
The base pay range for this role is listed below. Final base pay offer will be determined based on individual factors such as the candidate's experience, skills, and location.
To view all of our comprehensive and competitive benefits, visit our Benefits at SoFi page
SoFi provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion (including religious dress and grooming practices), sex (including pregnancy, childbirth and related medical conditions, breastfeeding, and conditions related to breastfeeding), gender, gender identity, gender expression, national origin, ancestry, age (40 or over), physical or medical disability, medical condition, marital status, registered domestic partner status, sexual orientation, genetic information, military and/or veteran status, or any other basis prohibited by applicable state or federal law.
The Company hires the best qualified candidate for the job, without regard to protected characteristics.
Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.
New York applicants: Notice of Employee Rights
SoFi is committed to embracing diversity. As part of this commitment, SoFi offers reasonable accommodations to candidates with physical or mental disabilities. If you need accommodations to participate in the job application or interview process, please let your recruiter know or email
Due to insurance coverage issues, we are unable to accommodate remote work from Hawaii or Alaska at this time.
Internal Employees
If you are a current employee, do not apply here - please navigate to our Internal Job Board in Greenhouse to apply to our open roles.

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