Fraud Investigations Associate
We are looking for a meticulous and curious Fraud Investigations Associate to serve as our primary defense against identity theft and organized fraud rings. While our FinCrime team sets the high-level policy, you are the investigator in the trenches, identifying synthetic identities and stopping fraudsters before they can enter our ecosystem.
In this role, you will handle the "pre-onboarding" and "post-onboarding" lifecycle for both our U.S. personal loans and credit card products. You'll be tasked with uncovering complex fraud patterns—ranging from simple ID theft to sophisticated, large-scale fraud rings. This is a role for someone who loves "connecting the dots" and protecting both the company's bottom line and our customers' identities.
What You'll Be Doing
Investigate suspicious applications at the point of onboarding to detect synthetic identities and third-party identity theft.
Conduct deep-dive investigations into suspected fraud rings and organized criminal activity, collaborating closely with senior leadership on high-stakes cases.
Manage the end-to-end investigation of suspicious activity. Gather "Know Your Customer" (KYC) documentation and prepare comprehensive case files for SAR consideration by the 2LoD team.
Perform the initial clearing of Sanctions and PEP alerts, ensuring we are not facilitating prohibited transactions.
Handle CFPB and Credit Reporting Agency (CRA) disputes specifically related to fraud claims, ensuring fair and timely resolution for victims of identity theft.
Communicate directly with U.S. consumers to verify identity details and confirm the legitimacy of high-risk applications.
What We're Looking For
2+ years of experience in fraud investigations, specifically within U.S. fintech, personal loans, or credit cards. Or, equivalent FinCrime investigative experience in US Law Enforcement.
Experience using identity verification tools like Alloy or Socure. You know how to read an identity report beyond just the "Pass/Fail" score. Familiar with ID databases, how to navigate them, and how to conduct thorough investigations for fraud patterns.
Ability to document complex investigations clearly so that business leadership, regulators and bank partners can easily follow your logic.
Regulatory Knowledge: Understanding of the FCRA (Fair Credit Reporting Act) and how it pertains to fraud disputes and consumer protection.
Salary - $80,000 to $120,000 per year
Life at Lendable
Winning team: the opportunity to scale up one of the world's most successful fintech companies
Flexible working: flexible approach tailored to each role. Hybrid roles require three days in-office weekly; fully remote roles include regular opportunities for in-person connection through socials and off-sites
Socials & connection: opportunities and events to come together, socialise, and get to know each other beyond the office walls
Health coverage: support for your physical and mental wellbeing, including private health cover
Retirement & savings: long-term financial wellbeing through retirement savings plans
Employee referral programme: earn a competitive bonus when you refer successful new team members
Office meals & snacks: enjoy a fully stocked kitchen, plus complimentary lunches prepared by in-house chefs on in-office days at select locations
Sustainable commuting: cycle-to-work and electric vehicle salary sacrifice schemes available in select locations
Please note: The availability and details of specific benefits vary by location and role. For more information, please speak to your Talent Partner.
Compensation Range: $80K - $140K