Auto Fraud Investigator BL Risk Analyst II

Ally Financial; United States; Remote; USD 55,000 - 95,000; Full time

Job summary

A leading financial services company is seeking an Auto Fraud Investigator to conduct investigations on consumer auto loans and assess risk within the portfolio. This role requires strong analytical skills, knowledge of financial crimes, and the ability to collaborate across departments. Candidates should have a bachelor's degree in a relevant field and at least 3 years of experience in fraud investigations. A competitive compensation package is offered, including flexible health benefits and a 401K plan.

Benefits

20 paid time off days

401K retirement savings plan

Flexible health and insurance options

Qualifications

• Minimum of 3+ years’ experience in fraud investigations.
• Strong understanding of automotive line of business operating practices.
• Excellent organizational, management, and communication skills.

Responsibilities

• Conduct investigations on auto consumer loans.
• Prepare independent investigative reports.
• Work with various departments to manage risk.

Skills

Fraud investigation

Financial crime analysis

Risk management

Research and analysis

Relationship management

Education

Bachelor’s degree in Business, Finance, Economics, Mathematics or Statistics

CFE (Certified Fraud Examiner Certification)

Job description

Overview

Pay Competitive

Location Remote

Employment type Full-Time

Job Description

• Req#: 15148

General information

Career area Risk

Work Location(s) AL, AR, AZ, CA, CA, CO, CT, DC, DE, FL, GA, GA, IA, ID, IL, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PA, RI, SC, SD, TN, TX, TX, VA, VT, WA, WI, WV

Remote? Yes

Ref # 20915

Posted Date 10-09-25

Anticipated Application Closing Date 10-16-25

Working time Full time

Ally and Your Career

Ally Financial only succeeds when its people do - and that’s more than some cliché people put on job postings. We live this stuff! We see our people as, well, people - with interests, families, friends, dreams, and causes that are all important to them. Our focus is on the health and safety of our teammates as well as work-life balance and diversity and inclusion. From generous benefits to a variety of employee resource groups, we strive to build paths that encourage employees to stretch themselves professionally. We want to help you grow, develop, and learn new things. You’re constantly evolving, so shouldn’t your opportunities be, too?

Work Schedule: Ally designates roles as (1) fully on-site, (2) hybrid, or (3) fully remote. Hybrid roles are generally expected to be in the office a certain number of days per week as indicated by your manager. Your hiring manager will discuss this role's specific work requirements with you during the hiring process. All work requirements are subject to change at any time based on leader discretion and/or business need.

The Opportunity

At Ally, every individual is a risk manager. In alignment with our risk culture, this position will ensure the appropriate identification, assessment, and measurement of risk related to the Consumer Auto portfolio. When vital, identified risks will be raised to the appropriate channels to ensure reasonable resolution. The Auto Fraud Investigator is responsible for conducting sophisticated investigations and in-depth research on auto consumer loans across Ally’s Consumer Auto portfolio.

The Work Itself

• Provide investigative and fraud risk services in support of the Automotive Finance Line of Business. Position is responsible for investigating external financial crimes; reviewing current controls, recommending control improvements, ensuring applicable regulatory compliance, and preparing investigative reports for both senior leadership and FinCEN.
• Apply good judgment and knowledge of financial investigative tools/techniques to establish an investigative plan; initiate investigation by capturing facts and evidence; prepare independent investigative reports that document findings while examining the current control environment; prepare confidential investigative reports; perform research and analysis using back-end customer profile and transactional systems; conduct appropriate research with industry peers and law enforcement.
• Evaluate investigative findings, draft clear and concise investigative reports, connect with referring source and supervisor and resolve need for additional investigative activity.
• Maintain current knowledge and awareness of investigative fraud techniques, privacy laws, bank regulations, investigation and security incident handling policy and procedure. Possess a strong solid understanding of an automotive line of business operating practices and policies; and maintain strong working relationships with appropriate industry groups and governmental agencies. Position will work closely with Legal, Compliance, LOB representatives, Risk, Audit, Human Resources, vendors and law enforcement.
• Effectively complete countermeasures and various mitigation strategies to prevent additional losses to the company.
• Work with other Ally functions to ensure optimal efforts are taken to recover potential losses (e.g. repo, restitutions, assumptions, insurance claims, etc.).
• Work cooperatively with EFSI and collaborate on higher risk investigations, some interaction may be necessary with other industry partners and/or local, state and federal authorities.
• Ensure enterprise-wide compliance with established standards, policies and procedures for auto, set by Enterprise Fraud, Security and Investigations or other Ally departments.
• Support the development and refinement of the Risk Appetite Statement by maintaining and implementing Consumer Auto Portfolio risk appetites that align with the enterprise according to manager guidance.
• Participate and attend fraud conferences throughout the year when designated and share best practices with others.

The Skills You Bring

• Associate/Bachelor’s/MBA degree in Business, Finance, Economics, Mathematics or Statistics preferred.
• Minimum of 3+ years’ experience in fraud investigations/Consumer Fraud Industry experience (auto, card, mortgage, etc) required
• Certification in area of specialization-CFE (Certified Fraud Examiner Certification) or equivalent-strongly preferred.
• Should have knowledge of auto and bank fraud investigative techniques preferred.
• Work cooperatively with EFSI and collaborate on higher risk investigations, some interaction may be necessary with other industry partners and/or local, state and federal authorities.
• Understanding of risk management concepts and key performance drivers within consumer lending portfolios.
• Strong understanding of the threats relating to both direct and indirect auto financing operations
• Excellent organizational, management, and communications skills
• Ability to foster collaborative work partnerships and influence people at all organizational levels
• Relationship management with the ability to influence without authority.
• Must have knowledge of fraud risks and schemes
• Demonstrates the ability to work collaboratively and effectively at all levels of the organization

How We\'ll Have Your Back

Ally's compensation program offers market-competitive base pay and pay-for-performance incentives (bonuses) based on achieving personal and company goals. Our Total Rewards program includes industry-leading compensation and benefits plus additional incentives that are designed to meet your needs and those of your family so you can get the most out of your career and your life, including:

• Time Away: Program starts at 20 paid time off days in addition to 11 paid holidays and 8 hours of volunteer time off yearly (time off days are prorated based on start date and program varies based on full or part-time status and management level).
• Planning for the Future: plan for the near and long term with an industry-leading 401K retirement savings plan with matching and company contributions, student loan pay downs and 529 educational save up assistance programs, tuition reimbursement, employee stock purchase plan, and financial learning center and financial coach access.
• Supporting your Health & Well-being: flexible health and insurance options including medical, dental and vision, employee, spouse and child life insurance, short- and long-term disability, pre-tax Health Savings Account with employer contributions, Healthcare FSA, critical illness, accident & hospital indemnity insurance, and a total well-being program that helps you and your family stay on track physically, socially, emotionally, and financially.
• Building a Family: adoption, surrogacy and fertility assistance as well as paid parental and caregiver leave, Dependent Day Care FSA back-up child and adult/elder care days and childcare discounts.
• Work-Life Integration: other benefits including Mentally Fit Employee Assistance Program, subsidized and discounted Weight Watchers® program and other employee discount programs.
• Other compensations: depending on the role for which you are considered, you may be eligible for travel allowances, relocation assistance, a signing bonus and/or equity.
• To view more detailed information about Ally’s Total Rewards, please visit this link: https://www.ally.com/content/dam/pdf/corporate/ally-total-rewards-snapshot.pdf

Who We Are:

Ally Financial is a customer-centric, leading digital financial services company with passionate customer service and innovative financial solutions. We are relentlessly focused on "Doing it Right" and being a trusted financial-services provider to our consumer, commercial, and corporate customers. For more information, visit www.ally.com.

Ally is an equal opportunity employer committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to age, race, color, sex, religion, national origin, disability, sexual orientation, gender identity or expression, pregnancy status, marital status, military or veteran status, genetic disposition or any other reason protected by law.

We are committed to working with and providing reasonable accommodation to applicants with physical or mental disabilities. For accommodation requests, email us at [e-mail]. Ally will not discriminate against any qualified individual who is capable of performing the essential functions of the job with or without reasonable accommodation.

Base Pay Range: $55000 - $95000 USD An individual\'s position in the range is determined by the specific role, the scope and responsibilities of the role, work experience, education, certification(s), training, and additional qualifications. We review internal pay, the competitive market, and business environment prior to extending an offer. Incentive Compensation: This position is eligible to participate in our annual incentive plan.

About the company

Ally Financial is a bank holding company organized in Delaware and headquartered in Detroit, Michigan.

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