Oportun. Inc Fraud Analyst in Leon, Mexico

Oportun is a financial technology company founded in 2005 with the mission of providing establishing credit, affordable loans to the approximately 45 million Latinos and others with little or no credit history so they can establish credit scores and build a better future.

Oportun uses advanced data analytics and technology to “score” and lend money to individuals with limited credit history – people other lenders consider “unscorable.” We offer bilingual (English/Spanish) servicing and documentation via telephone, Web, mobile, or in-person in over 200 locations in Arizona, California, Illinois, Nevada, Texas, and Utah.

In recognition of Oportun’s goals of increasing economic opportunity for its clients, promoting community development, and serving low-income or underserved communities, Oportun has been certified by the United States Department of Treasury as a Community Development Financial Institution since November 2009.

Oportun is a great place to work if you are as enthusiastic about helping others as you are about your own professional development and career. We commit to our employees that they will do meaningful work in an environment that attracts and retains talent, enables professional growth and achievement, and leads to the realization of personal potential. At Oportun, everything we do reflects our corporate values of Service, Care, Innovation, Courage, Excellence, and Empowerment.

As our Chief Executive Officer Raul Vazquez says, “Earning a paycheck to support yourself and your family is critical. Satisfying career ambitions is rewarding. But there is no greater privilege than having a challenging job where you are growing and learning professionally, while having a strong positive impact on the lives of others… And that is what we do here every day.”

As a fraud analyst, you will minimize and prevent losses resulting from high risk and fraudulent monetary and non-monetary transactions. You will work under general supervision and demonstrate judgment capability to review and/or investigate routine risk transactions or reports. In accordance with departmental procedures and Federal Regulations, you will take proactive measures to prevent losses through any of the following: performing investigations, placing deposit holds, returning checks, restricting accounts, analyzing suspicious account activity and properly reporting and categorizing activity that has created loss exposure. You will operate in a team environment and often have customer communications as a key component of your job responsibility. You will also rely upon effective relationships with representatives from various lines of business and outside financial institutions.

  • Provide an independent and objective approach of fraud prevention and analysis within Oportun

  • Lead root cause analysis on internal and external fraud investigations

  • Required to abide by all applicable regulatory and department practices and procedures

  • Provide high level of service to customers, claimants, internal partners, and external partners

  • Ability to track and monitor fraud trends and escalate to upper management

  • Review accounts flagged for potential fraud or other violations such as potentially false information, identity theft, potential collusion with company employees in originating fraudulent loans, etc.

  • Address AML, OFAC, and Fraud alerts in a timely manner

  • Review high risk transactions and help reduce loss due to chargebacks

  • Conduct thorough investigations of reported fraud or suspicious activity and be able to create reports/summaries to be distributed to affected members of the organization

  • Develop and maintain partnerships with internal business owners to continually improve and strengthen fraud investigations and mitigate potential fraud risk

  • Contribute to ongoing evolution of Oportun’s risk management policies & procedures

  • Assess current and new business processes in order to identify and enhance alerts to prevent fraudulent activity

  • Develop new alerts and means to detect and prevent fraud

  • Provide ongoing product feedback to analytical team to improve quality and efficiency of Oportun’s fraud management techniques

Other Functions:

  • Additional responsibilities as requested

  • Special projects as requested

  • Participate in industry working groups as requested

Working Conditions:

  • Extended working hours may be required per business need, if requested

  • Some domestic and international travel may be necessary

  • Experience working with overseas and remote employees

  • Bilingual English/Spanish (Written and Oral)

  • Must possess strong knowledge of fraud and risk management strategies and principles

  • Keen eye for detail with a sense of urgency

  • Strong analytical skills

  • Exceptional interpersonal skills

  • Demonstrate strong work ethic and professional integrity

  • Ability to collaborate and execute with all levels of the organization

  • Functional skills: Must have more than two years of experience in banking, risk management, fraud investigations, internal audit, or auto finance.

  • Analytical self-starter who makes well informed decisions in a timely manner

  • Must possess a strong understanding of business transactions, knowledge of account flow, and financial documents

  • Must demonstrate experience in answering customer inquiries and providing a positive exceptional customer experience

Req No.: 2016-4171