Fraud Investigation Associate

Lendable Ltd

Job Overview

Location

Virginia

Job Type

Full-time

Full Job Description

📋 Description

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

🎯 Requirements

• 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.

🏖️ Benefits

• Salary - $80,000 to $120,000 per year
• 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
• 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

Skills & Technologies

Junior

Remote

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Lendable Ltd

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About Lendable Ltd

Lendable is a UK-based fintech that operates an online consumer-lending platform using open-banking data and machine-learning underwriting to offer unsecured personal loans and car finance. Founded in 2014 and headquartered in London, it funds loans through an institutional peer-to-peer model, matching investors with borrowers seeking fast, fixed-rate credit. The company automates identity, affordability and risk assessment, providing near-instant decisions and same-day payouts while giving investors access to diversified consumer credit returns. Regulated by the Financial Conduct Authority, Lendable has originated more than £2 billion in loans without maintaining physical branches, focusing on transparent pricing and mobile-first customer experience.

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