Fraud Risk Assessment Specialist

1 week ago

Phoenix, Arizona, United States Upgrade, Inc. Full time

About Upgrade, Inc.:
Upgrade is a financial technology firm dedicated to offering accessible and responsible credit, mobile banking, and payment solutions to everyday consumers. Recognized as the fastest growing company in the Americas by the Financial Times, Upgrade Card has also been acknowledged as the fastest growing credit card in the United States for two consecutive years. We have successfully provided over $31 billion in responsible credit to our 5 million customers. Our company is supported by leading technology investors and has recently achieved a valuation of $6.3 billion.

At Upgrade, we foster a dynamic, collaborative, and inclusive workplace culture where team members support one another, learn, innovate, and take ownership of their contributions. Our commitment to excellence has earned us accolades such as "Best Place to Work in the Bay Area" for three consecutive years, recognition as a top employer in Arizona, and distinctions for having one of the "Best Engineering Departments" according to Comparably. We have also been celebrated for our dedication to diversity, women, culture, and veterans.

Position Overview:
We are seeking a Fraud Investigation Analyst to play a crucial role in reviewing incoming identity theft claims, account takeover claims, and assessing consumer relationships for potential risks. This position requires on-site presence in our office and operates Monday through Friday.

Key Responsibilities:

  • Perform comprehensive investigations into customer fraud claims using internal data and open-source research tools to validate or invalidate claims.
  • Understand the risks associated with Anti-Money Laundering (AML) and fraud typologies relevant to Upgrade's product offerings, including lending and deposit services.
  • Identify and escalate potentially suspicious activities and high-risk customers for further examination.
  • Take ownership of assigned claims, conducting consumer interviews to establish timelines, gather additional information, and provide guidance on safeguarding their information.
  • Support the Fraud Investigations Manager with additional tasks and service level agreements to enhance the Fraud Investigations and Operations Department and its partners.
Qualifications:
  • 2-3 years of experience in BSA/AML, investigations, or fraud-related roles.
  • Bachelor's degree is required.
  • Experience in a production-based environment managing an assigned workload.
  • Strong analytical, problem-solving, and interpersonal skills.
  • Excellent verbal and written communication abilities, attention to detail, and capacity to work independently.
  • Experience with large datasets is preferred.
Preferred Skills:
  • Advanced proficiency in Excel.
  • Certifications such as CAMS, CFE, Zendesk, and/or CGSS are advantageous.
  • Prior experience in a fintech or startup environment.
  • Proficiency in SQL is a plus.
What We Offer:
  • Competitive salary and stock option plan.
  • Comprehensive medical, dental, and vision insurance coverage.
  • Flexible paid time off.
  • Opportunities for professional growth and development.
  • Paid parental leave.
  • Health and wellness initiatives.

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