Fraud Operations Analyst (Hybrid)

Enova International; Chicago (IL); Hybrid; USD 28,929 - 35,817; Full time

Benefits offered by this job

Health, dental, and vision insurance

401(k) matching + Roth option

PTO & paid holidays

Sabbatical program

Summer hours

Paid parental leave

DEI employee groups

Employee recognition and rewards

Charitable matching & volunteer day

Job summary

Enova International is seeking a Fraud Operations Analyst in Chicago, IL to investigate suspicious applications and protect our products from fraud. You will conduct in-depth investigations and leverage SQL and Excel to enhance monitoring and detection systems.

This hybrid role requires cross‑functional collaboration, the ability to manage multiple investigations, and clear written and oral communication. A Bachelor's degree or equivalent experience is preferred, and sponsorship is not available

Qualifications

• 1+ years of relevant fraud experience.
• Proficiency with MS Office.
• Strong communication skills, both written and oral.
• Ability to derive actionable insights from large data sets.
• Willingness to participate in on-call rotation.
• Bachelor's degree or equivalent experience preferred.

Responsibilities

• To monitor, and investigate any suspicious applications and loans for one or more of our products
• Work cross-functionally with other departments to improve procedures, and/or provide advice from a fraud risk perspective
• Maintain reports specific to your designated products, and know when to expand any potential issues that arise, as well as which teams needs to be notified
• Ability to multitask, and mitigate fraud for potentially up to 3 brands

Skills

Fraud experience

MS Office

Data analysis

Communication skills

Multitasking

On-call rotation

Relationship building

Education

Bachelor's degree

Tools

SQL

Excel

Job description

We are interested in every qualified candidate who is eligible to work in the United States. However, we are not able to sponsor visas or take over sponsorship at this time.

About the role

To be a successful Fraud Operations Analyst at Enova, one must have an innate desire to dig deeper, and a willingness to go above and beyond in an effort to protect our products from falling victim to various fraud attempts. On a typical day, your co-workers will find you executing complex, in-depth investigations on suspicious applications as well as using technology-based tools to improve current fraud monitoring and detection systems utilizing SQL and Excel. Managers and key executives will need to depend on your skills and knowledge to ensure the health of the business is being maintained from the fraud risk perspective. Cross-functional projects are highly encouraged and vital to the Fraud Operation Analyst role, as well as assisting in improving our underwriting and verification processes. Innovation is the key in being able to successfully combat fraudsters, so we are seeking a candidate with an imaginative mind who can shed new light on intuitive ways to fight fraud.

Responsibilities

• To monitor, and investigate any suspicious applications and loans for one or more of our products
• Work cross-functionally with other departments to improve procedures, and/or provide advice from a fraud risk perspective
• Maintain reports specific to your designated products, and know when to expand any potential issues that arise, as well as which teams needs to be notified
• Ability to multitask, and mitigate fraud for potentially up to 3 brands

Requirements

• 1+ years of relevant fraud experience, preferred
• Working knowledge of MS Office applications
• Highly self-motivated, and willingness to build networks/relationships with other departments
• Naturally inquisitive, and desire to gain business insight, information and understanding
• Willingness to do what it takes to respond to urgent projects, reports, or issues
• Excellent written and oral communication skills to succinctly and accurately communicate issues and recommendations
• Ability to derive actionable insights from large, complex data sets and take initiative
• Willingness to participate in a rotating on-call schedule with variable weekend availability.
• Bachelor's degree or equivalent experience, preferred

Compensation

The budgeted hourly rate range for this position is $21 to $26. Actual rate will be determined based on qualifications, skills, experience, and level assessed during the hiring process and may fall outside of the range shown. Additional compensation for this role may include a bonus. All full-time employees are eligible to participate in Company benefits, described in more detail here.

• Our hybrid roles require in-office work Tuesday through Thursday, with remote flexibility on Mondays and Fridays. This schedule fosters collaboration, team connection, and strategic planning, enhancing communication and effectiveness to drive results.
• Health, dental, and vision insurance including mental health benefits
• 401(k) matching plus a roth option (U.S. Based employees only)
• PTO & paid holidays off
• Sabbatical program (for eligible roles)
• Summer hours (for eligible roles)
• Paid parental leave
• DEI groups (B.L.A.C.K. @ Enova, HOLA @ Enova, Women @ Enova, Pride @ Enova, South Asians @ Enova, APEX @ Enova, and Parents @ Enova)
• Employee recognition and rewards program
• Charitable matching and a paid volunteer day...Plus so much more!

About Enova

Enova International is a leading financial technology company that provides online financial services through our AI and machine learning-powered Colossus platform. We serve non-prime consumers and businesses alike, while offering world-class technology and services to traditional banks—in order to create accessible credit for millions.

Being a values-driven organization is at the core of Enova’s success. We live our values by listening to our customers, challenging assumptions, thinking big, setting high expectations, and hiring and developing the best. Through our values and our commitment to making Enova an awesome place to work, we maintain an environment of inclusion and culture where our employees can thrive. You can learn more about Enova’s values and culture here.

It is our policy to provide equal employment opportunity for all persons and not discriminate in employment decisions by placing the most qualified person in each job, without regard to any other classification protected by federal, state, or local law. California Applicants: Click here to review our California Privacy Policy for Job Applicants.