Fraud Analyst

Azora Finance Group; Sydney; On-site; AUD 80,000 - 110,000; Full time

Job summary

Azora Finance Group is seeking a thorough Fraud Analyst to investigate and assess potential fraud indicators across the application, settlement and post‑settlement lifecycle. You will provide specialist verification, support risk decisions and protect Azora from fraud‑related loss.

The role involves fraud checks, reviewing identity and income documentation, and escalating any concerns with clear recommendations. You will work with IT on fraud indicators and assist quarterly focus meetings.

Qualifications

• 2+ years in a fraud investigation or related role.
• Working knowledge of credit risk, financial crime, lending operations, compliance and collections.
• Practical experience reviewing identity, income, banking, credit and supporting documents for authenticity and inconsistency.

Responsibilities

• Assess referred applications and matters where fraud indicators or authenticity concerns have been identified.
• Undertake proportionate fraud checks based on risk indicators and procedures.
• Review credit files, customer information, addresses, income documents and other documents for inconsistencies or indicators of fraud.
• Use internal verification tools and industry sources to validate information.
• Conduct online presence and open-source checks where lawful.
• Contact employers, agents, brokers or other parties for verification.
• Investigate post-settlement referrals and potential identity takeover or fraud indicators.
• Identify emerging fraud trends and improve verification controls and procedures.
• Maintain confidentiality and accurate records throughout investigations.

Skills

Fraud investigation

Credit risk

Financial crime

Lending operations

Compliance

Collections

Identity verification

Attention to detail

Time management

Stakeholder engagement

Tools

Internal verification tools

Job description

Join a growing non-bank lender with big ambitions

Permanent, full-time position

Competitive remuneration package

Azora is a fast growing non-bank lender specialising in commercial asset finance, consumer car loans and home loans. We are seeking a thorough Fraud Analyst to investigate and assess potential fraud indicators arising during the application, settlement and post-settlement lifecycle, providing a specialist layer of verification that supports sound risk decisions and protects Azora from fraud-related loss.

Your Responsibilities | How you will make a difference

Assess referred applications and matters where fraud indicators or authenticity concerns have been identified.

Undertake proportionate fraud checks based on the nature of the matter, identified risk indicators and approved procedures.

Review credit files, customer information, addresses, employment history, income documents, bank information, peer enquiries and other supporting documentation for inconsistencies or indicators of fraud.

Use approved internal and external verification tools and industry information sources to validate customer, broker, supplier, dealer, asset and application information.

Conduct online presence, contact detail and open-source checks where lawful, appropriate and permitted under Azora procedures.

Contact employers, real estate agents, brokers, suppliers or other relevant parties where verification is required and authorised.

Review biometric or identity verification exceptions and determine whether identified concerns can be cleared or require escalation.

Investigate post-settlement referrals, including suspected identity takeover, identity theft, skipped customers & disputed loan origination.

Investigate potential sanctions flagged via ID Matrix or PEPs where potential conflict of interest may arise.

Investigate accreditation or introducer concerns and contribute to the maintenance of approved watchlists and risk indicators.

Document the scope of checks undertaken, evidence reviewed, findings, rationale, recommendations and final outcomes.

Clear fraud concerns where satisfied, or refer the matter to the relevant decision-maker with a clear recommendation and any additional information required.

Escalate suspected fraud, misconduct, control breakdowns or systemic issues promptly and support internal reporting or external information‑sharing processes where authorised.

Identify emerging fraud trends, recurring control weaknesses and opportunities to improve referral rules, verification controls, training, systems and procedures.

Maintain confidentiality, procedural fairness, privacy and accurate records throughout all investigations.

Run quarterly internal fraud focus meetings including credit and settlements Team Leaders (using real examples).

Work with IT on Product and Development including system enhancements, early warning triggers, automation for fraud indicators

AML red flag investigations (investigating applications or customers displaying unusual structures, conflicting information or other potential financial‑crime indicators

Your Skills & Experience | A little bit about you…

2+ years in a fraud investigation or related role.

Working knowledge of credit risk, financial crime, lending operations, compliance and collections.

Practical experience reviewing identity, income, banking, credit and supporting documents for authenticity and inconsistency.

Elite analytical skills & attention to detail

A self-starter with strong time management and organisation skills

Able to work autonomously and take accountability of outcomes

A positive, can do attitude and capable of taking a flexible approach to solve problems

Strong stakeholder engagement and interpersonal skills

Unwaivering integrity and resilience