Senior FIU Specialist

ABOUT OPORTUN Oportun (Nasdaq: OPRT) is a mission-driven financial services company that puts its members' financial goals within reach. With intelligent borrowing, savings, and budgeting capabilities, Oportun empowers members with the confidence to build a better financial future. Since inception, Oportun has provided more than $21.3 billion in responsible and affordable credit, saved its members more than $2.5 billion in interest and fees, and helped its members set aside an average of more than $1,800 annually. WORKING AT OPORTUN Working at Oportun means enjoying a differentiated experience of being part of a team that fosters a diverse, equitable and inclusive culture where we all feel a sense of belonging and are encouraged to share our perspectives. This inclusive culture is directly connected to our organization's performance and ability to fulfill our mission of delivering affordable credit to those left out of the financial mainstream. We celebrate and nurture our inclusive culture through our employee resource groups. POSITION OVERVIEW The Sr. Specialist, FIU is responsible for managing an ongoing fraud queue to detect and prevent fraudulent transactions, reviewing suspicious accounts using internal and external fraud tools, and taking action in accordance with policies and procedures. They research and analyze data to detect fraudulent activities, track and monitor high-volume fraud trends, and escalate issues to leadership. Through case reviews, they analyze fraud trends, provide recommendations for process improvements, and gather evidence for investigations. The role also involves interacting with members over the phone, performing Enhanced Due Diligence (EDD) reviews, monitoring high-risk members for AML risks, preparing Currency Transaction Reports (CTR), and other related tasks as needed. RESPONSIBILITIES Manage an ongoing fraud queue to detect and prevent fraudulent transactions Review suspicious accounts using internal and external fraud tools, and take action in accordance with our policies and procedures Research and analyze data to detect fraudulent activity such as potentially false information, identity theft, potential collusion with company employees in originating fraudulent loans, etc. Ability to track and monitor high-volume fraud trends and escalate to leadership Through case reviews, analyze fraud trends and provide recommendations for process improvements or procedures related to fraud mitigation strategies Gather and analyze evidence, including transaction records, communication logs, and other relevant information As needed, can interact over the phone with members to assist with fraud related challenges or investigations as needed (inbound calls) Conduct outbound calls in an attempt to contact applicants as required by processes (FACTA calls) Perform timely Enhanced Due Diligence (EDD) reviews in accordance with established procedures Continuously monitor high-risk members to identify, assess, and mitigate the potential risks AML, which might include suspicious activity investigations, currency transaction reporting, global sanctions screening, or other processes as required Prepare Currency Transaction Reports (CTR) Additional responsibilities as requested REQUIREMENTS 3+ years of professional experience, including 1+ years conducting fraud operations and/or AML, KYC document reviews Bilingual English/Spanish (Written and Oral) is highly preferred Must possess knowledge of KYC/AML, fraud and risk management strategies and principles Ability to analyze, summarize, and communicate findings and issues drawn from facts Knowledge of, and experience utilizing fraud investigative techniques and practices A keen eye for detail and self-driven; a high degree of independence is necessary to succeed Problem-solving and analytical skills required Exceptional interpersonal skills Demonstrate a strong work ethic and professional integrity Excellent oral and written communicati ... (truncated, view full listing at source)