Fraud Investigation Associate

Lendable; Virginia (MN); Hybrid; USD 80,000 - 120,000; Full time

Benefits offered by this job

Health coverage

Retirement savings

Employee referral programme

Job summary

Lendable in the United States seeks a meticulous Fraud Investigations Associate to defend against identity theft and organized fraud rings within our US personal loan and credit card products.

You will handle pre- and post-onboarding lifecycle, uncovering complex fraud patterns and protecting customers and the company. Collaborate with senior leadership on high-stakes cases and document investigations for regulators and partners.

Qualifications

• 2+ years of fraud investigations in US fintech or equivalent FinCrime work in US law enforcement.
• Ability to read identity reports beyond pass/fail and navigate identity databases.
• Detail oriented with clear investigative documentation for leadership and regulators.

Responsibilities

• Identity & Application Fraud: investigate suspicious onboarding to detect synthetic identities.
• Special Investigations: deep-dive cases on suspected fraud rings with senior leadership.
• Case Management & KYC: manage end-to-end investigations and prepare SAR files.
• Screening: clear sanctions and PEP alerts to prevent prohibited transactions.
• Consumer Protection: handle CFPB/CRA disputes related to fraud claims.
• Customer Outreach: verify identity details with high-risk applicants.

Skills

Fraud investigations

Identity verification

Documentation & reporting

Tools

Alloy

Socure

Job description

About Lendable

Lendable is on a mission to build the world's best technology to help people get credit and save money. We're building one of the world’s leading fintech companies and are off to a strong start:

• One of the UK’s newest unicorns with a team of just over 700 people
• Among the fastest-growing tech companies in the UK
• Profitable since 2017
• Backed by top investors including Balderton Capital and Goldman Sachs
• Loved by customers with the best reviews in the market (4.9 across 10,000s of reviews on Trustpilot)

So far, we’ve rebuilt the Big Three consumer finance products from scratch: loans, credit cards and car finance. We get money into our customers’ hands in minutes instead of days.

We’re growing fast, and there’s a lot more to do: we’re going after the two biggest Western markets (UK and US) where trillions worth of financial products are held by big banks with dated systems and painful processes.

Join us if you want to

1. Take ownership across a broad remit. You are trusted to make decisions that drive a material impact on the direction and success of Lendable from day 1
2. Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo
3. Build the best technology in-house, using new data sources, machine learning and AI to make machines do the heavy lifting

About the Role

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

• Identity & Application Fraud: Investigate suspicious applications at the point of onboarding to detect synthetic identities and third-party identity theft.
• Special Investigations: Conduct deep-dive investigations into suspected fraud rings and organized criminal activity, collaborating closely with senior leadership on high-stakes cases.
• Case Management & KYC: 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.
• Screening: Perform the initial clearing of Sanctions and PEP alerts, ensuring we are not facilitating prohibited transactions.
• Consumer Protection: Handle CFPB and Credit Reporting Agency (CRA) disputes specifically related to fraud claims, ensuring fair and timely resolution for victims of identity theft.
• Customer Outreach: Communicate directly with U.S. consumers to verify identity details and confirm the legitimacy of high-risk applications.

What We’re Looking For

• Investigative Grit: 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.
• Technical Literacy: 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.
• Detail Oriented: 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.

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