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Fraud Investigator

Employee Applicant Privacy Notice

Who we are:

Shape a brighter financial future with us.

Together with our members, we're changing the way people think about and interact with personal finance.

We're a next-generation fintech company using innovative, mobile-first technology to help our nearly 3 million members reach their goals. The industry is going through an unprecedented transformation, and we're at the forefront.

We're proud to come to work every day knowing that what we do has a direct impact on people's lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world.

The role

We are seeking a talented and self-motivated Fraud Investigator to join our Fraud Operations team. Our candidate will be responsible for all aspects of fraud investigations as it relates to Application Fraud, Transactional Reviews, as well as the review of any/all suspicious activity for credit cards, loans and transactional accounts; advising and assisting Management in making and implementing strategic decisions and objectives; and driving business objectives.

What you'll do:

  • Conducts thorough investigations and inquiries on identified and suspicious accounts within the specified systems
  • Investigates and gathers information on fraud cases to include contacting merchants, financial institutions and/or clarifying customer statements as necessary
  • Understand charge-offs involving fraudulent activity and provide resolution to prevent future cases
  • Identify fraud trends, make recommendations for new strategies to prevent additional losses, and assume responsibility for special projects as assigned by Management
  • Reviews alerts/reports to detect Suspicious Activity and file required reports (SARS) as appropriate
  • Conduct periodic internal account/customer reviews to identify potentially fraudulent activity
  • Reviews disputed transactions to investigate fraud claims, identify charge-back opportunities and ensure compliance with Regulations in respect to the timeframes that govern disputed transactions
  • Respond promptly and exercise exceptional communication skills in an effort to optimize each contact with customers, partners, and external vendors/banks
  • Establish and ensure compliance with departmental standards and processes to increase production and accommodate work volumes toward enhanced customer satisfaction
  • Investigate the fraud alerts to protect the institution from fraud-related losses and improve customer experience on lending, credit card and depository accounts
  • Assists with creating and implementing policies and procedures across all teams
  • Assist Management in construction of short term and long-term plans with associated benefits of strategies that are to be developed to reduce fraud exposure
  • Provides internal support to other business units on fraud-related issues
  • Builds and maintains thriving relationships between partners and vendors, cultivating a culture of collaboration, transparency, and mutual success
  • Fosters a culture of accountability, collaboration, speed, innovation, excellence, and a fun work environment while continuously elevating the quality and caliber of our fiscal controls
  • Works effectively across the organization to maximize company resources

What you'll need:

  • 3+ years of relevant fraud investigations experience in the banking or financial services industry
  • Knowledge of mortgage and lending operations rules and fraud investigations
  • Thorough understanding of bank operations, industry trends & best practices, and federal and state banking regulations
  • Outstanding time management skills and interpersonal skills, and the ability to work with all levels within the organization in a collaborative manner
  • Must be able to establish peer relationships and communicate effectively with multiple company disciplines, cross-functional, and external teams
  • Excellent project management, organizational, and negotiation skills are required
  • Proficiency in Word, Excel, Outlook, and PowerPoint
  • Ability to apply sound judgment effectively solves problems and determines fraudulent activity consistently
  • Understanding of electronic crimes as they relate to card fraud and theft of credentials
  • Excellent critical thinking and problem-solving skills
  • Detail-oriented and process-oriented approach
  • Accepts responsibility, ownership, and accountability for work results
  • Finds a high-volume, dynamic, and team-focused environment engaging
  • Ability to organize and prioritize workload

Why you'll love working here:

  • Competitive salary packages and bonuses
  • Comprehensive medical, dental, vision and life insurance benefits
  • Generous vacation and holidays
  • Paid parental leave for eligible employees
  • 401(k) and education on retirement planning
  • Tuition reimbursement on approved programs
  • Monthly contribution up to $200 to help you pay off your student loans
  • Great health & well-being benefits including: telehealth parental support, subsidized gym program
*These benefits are only applicable to full time employees
SoFi provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion (including religious dress and grooming practices), sex (including pregnancy, childbirth and related medical conditions, breastfeeding, and conditions related to breastfeeding), gender, gender identity, gender expression, national origin, ancestry, age (40 or over), physical or medical disability, medical condition, marital status, registered domestic partner status, sexual orientation, genetic information, military and/or veteran status, or any other basis prohibited by applicable state or federal law.
The health and safety of our employees and their families is our top priority. Due to the ongoing nature of the COVID-19 pandemic, and because unvaccinated employees pose a direct threat to the health and safety of others in the workplace, effective on November 1, 2021, U.S. employees must be fully vaccinated to work from any of our offices, travel for business or attend work-related meetings.
The company will make reasonable accommodations when possible for employees who are unable to be vaccinated because of a disability, pregnancy, sincerely held religious belief, or for other legally required reasons..
Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.
New York applicants: Notice of Employee Rights
SoFi is committed to embracing diversity. As part of this commitment, SoFi offers reasonable accommodations to candidates with physical or mental disabilities. If you need accommodations to participate in the job application or interview process, please let your recruiter know or email
Due to insurance coverage issues, we are unable to accommodate remote work from Hawaii or Alaska at this time.
Salary Range
$30,000.00 - $51,000.00
per Year
Salary range estimated by
salary estimation provided by zippia
Jacksonville, FL, 32290, US