Fraud Investigator - Auto Consumer Fraud

Ally; Montana; Hybrid; USD 55,000 - 95,000; Full time

Job summary

Ally Financial is seeking a fraud investigations professional to join our Auto Finance risk team. You will investigate suspected fraud and financial crimes, identify control weaknesses, and prepare investigative reports for management and regulatory purposes.

Collaborating with Legal, Compliance, Risk, Audit, and law enforcement, you will develop plans, collect evidence, analyze data, and support recovery and portfolio risk efforts while adhering to enterprise fraud policies.

Qualifications

• Associate/Bachelor’s/MBA in Business or Criminal Justice.
• Experience in fraud investigations and consumer fraud industry (auto, banking, mortgage, etc.).
• CFE certification or equivalent preferred.
• Fraud investigations and risk assessment.
• Report writing and documentation.
• Regulatory compliance awareness.

Responsibilities

• Conduct fraud and financial crime investigations involving consumer auto finance accounts.
• Develop investigative plans, gather evidence, analyze data, and document findings.
• Research fraud trends, schemes, and emerging risks using internal systems and external sources.
• Evaluate fraud controls and recommend enhancements to strengthen the control environment.
• Execute fraud mitigation and loss prevention strategies.
• Prepare clear investigative reports for senior leadership, regulatory reporting, and FinCEN requirements.
• Support recovery efforts including repossessions, restitution, insurance claims, and assumptions.
• Partner with EFSI on high-risk or complex investigations.
• Ensure adherence to enterprise fraud policies, standards, and procedures.
• Support portfolio risk management activities and risk appetite monitoring.
• Collaborate with Legal, Compliance, Risk, Audit, vendors, and law enforcement.

Skills

Fraud investigations

CFE certification

Regulatory compliance

Report writing

Communication skills

Risk assessment

Education

Bachelor's/MBA in Business or Criminal Justice

Job description

Remote

Remote TX

Costa Mesa, CA

Remote CA

Remote IA

Remote IL

Remote DC

Remote FL

Remote ID

Remote MD

Remote MN

Remote AR

Remote NM

Remote IN

Remote KS

Remote KY

Remote LA

Remote MO

Remote MS

Remote ND

Remote OK

Remote MT

Remote NV

Remote SD

Remote VA

Remote NC

Remote OH

Remote MI

Remote NY

Remote OR

Remote SC

Remote TN

Remote UT

Remote NE

Remote PA

Remote WI

Remote WV

Remote WY

Remote WA

Remote CT

Remote ME

Remote NH

Remote NJ

Lawrenceville, GA

Remote RI

Downers Grove, IL

Remote AZ

Cranberry Township, PA

Remote DE

Plano, TX

Remote VT

Remote MA

Remote AL

Remote CO

Remote GA

Full time

R2600838

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 love 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

The position is responsible for investigating suspected fraud and financial crimes impacting the Auto Finance business, identifying control weaknesses, recommending risk mitigation strategies, and preparing investigative reports for management and regulatory purposes. The role partners closely with Legal, Compliance, Risk, Audit, law enforcement, and Enterprise Fraud Security & Investigations (EFSI) to identify, investigate, and mitigate fraud risks while supporting the organization's risk appetite and compliance objectives.

The Work Itself

• Conduct fraud and financial crime investigations involving consumer auto finance accounts.


• Develop investigative plans, gather evidence, analyze data, and document findings.


• Research fraud trends, schemes, and emerging risks using internal systems and external sources.


• Evaluate fraud controls and recommend enhancements to strengthen the control environment.


• Execute fraud mitigation and loss prevention strategies.


• Prepare clear investigative reports for senior leadership, regulatory reporting, and FinCEN requirements.


• Support recovery efforts including repossessions, restitution, insurance claims, and assumptions.


• Partner with EFSI on high-risk or complex investigations.


• Ensure adherence to enterprise fraud policies, standards, and procedures.


• Support portfolio risk management activities and risk appetite monitoring.


• Collaborate with Legal, Compliance, Risk, Audit, vendors, and law enforcement.

The Qualifications We’re Looking For

• Associate/Bachelor’s/MBA degree in Business, Criminal Justice, or related field preferred.


• Experience in fraud investigations/Consumer Fraud Industry experience (auto, bank. card, mortgage, etc.).


• Certification in area of specialization-CFE (Certified Fraud Examiner Certification) or equivalent-strongly preferred.


• Fraud investigations and risk assessment.


• Report writing and documentation.


• Regulatory compliance awareness.


• Relationship management and collaboration.


• Strong verbal and written communication skills.


• Critical thinking skills. Organizational and project management skills.

Minimum Qualifications

• 1+ years of experience


• High school Diploma or GED equivalent

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.

In accordance with the Americans with Disabilities Act, if after review of the position expectations, you believe that you may need a medical accommodation to fulfill the duties of this role, please email [e-mail] with details of your accommodation request.

Base Pay Range

$55,000.00 - $95,000.00

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.

We all work better as allies. Join a team that thrives on doing it right — whether we're helping people live their best financial lives or helping each other grow in our careers.

We're a leading financial services company serving over 11M customers through banking, auto financing, insurance and investment services. Our team's approach of celebrating differences and lifting each other up is consistently recognized on Fortune's 100 Best Companies to Work For list. Here, you'll find people who care about doing work that matters and making an impact in the communities we serve. Good enough is never enough for us — we're always looking for ways to be better, together.

CCPA Notice (https://www.ally.com/content/dam/pdf/corporate/ally_careers_ccpa_disclosures_ca_residents.pdf)