Fraud Analyst

Toyota North America • Plano, TX

1d

About The Position

Toyota Financial Services (TFS), Toyota and Lexus’s finance and insurance brand in North America, is seeking a Fraud Analyst for its Fraud Control Department. The role supports the department’s mission to prevent fraud, mitigate loss, and strengthen enterprise risk controls through timely, accurate, and well-informed fraud decisioning. The analyst leads the review, investigation, and disposition of complex fraud matters involving new credit applications and booked retail and lease contracts across TFS, LFS, MFS, and BPSFS. The role requires independent judgment to identify application-stage fraud, misrepresentation, and emerging fraud typologies, and provides dedicated Saturday coverage for weekend-submitted applications. The position reports to the Fraud Control Manager and serves as a subject matter expert supporting broader risk mitigation objectives.

Requirements

• Bachelor’s degree or at least 3 years of relevant work experience.
• At least 3 years of investigative experience related to auto-finance fraud, including identity theft, application fraud, synthetic identity fraud, and financial fraud.
• At least 3 years of experience understanding auto finance origination and servicing processes.
• Availability and commitment to work Tuesday through Saturday, 9 a.m. to 6 p.m. CST, and provide reliable fraud coverage.
• Ability to work independently and maintain focus.
• Prior experience presenting cross-functionally and to senior leadership.
• Ability to efficiently manage and prioritize multiple tasks, deliver high-quality results under tight deadlines, and maintain attention to detail.
• Adaptability in a high-pressure, demanding environment with potentially changing priorities.
• Must be authorized to work in the United States without Toyota immigration support or sponsorship now or in the future.

Nice To Haves

• Certified Fraud Examiner (CFE), Certified Financial Crimes Investigator (CFCI), or Certified AML and Fraud Professional (CAFP) certification.
• An established network of DMV investigators or law enforcement contacts who investigate auto finance fraud.
• Advanced data analysis skills and Excel proficiency, such as pivot tables.
• Bilingual proficiency in English and Spanish.

Responsibilities

• Lead advanced review and decisioning of complex fraud, credit, and income alerts to detect application-stage fraud, misrepresentation, and emerging fraud typologies across TFS, LFS, MFS, and BPSFS.
• Provide timely fraud coverage, including Saturday operations, for weekend-submitted applications and support DSC and Credit partners.
• Investigate suspected fraud involving retail and lease contracts, including identity theft, synthetic identity fraud, elder abuse, title washing, financial fraud, and other first- and third-party schemes affecting auto and marine finance.
• Assess confirmed fraud cases and drive loss mitigation strategies, including repossession actions, dealer buyback recommendations, law enforcement referrals, restitution recovery, and coordination with motor vehicle agencies, financial institutions, and industry stakeholders.
• Analyze fraud patterns, networked activity, organized crime indicators, and emerging threats; communicate findings to management and senior leadership.
• Build and maintain partnerships with law enforcement, motor vehicle agencies, and industry peers, and represent the organization in the Auto Finance Coalition and at industry forums including ACFE, IAFCI, IAATI, WSATI, and NICB.
• Serve as a fraud subject matter expert on cross-functional initiatives involving technology, training, vendor management, sales, risk, credit reporting, and compliance.
• Partner with the Fraud Control Department Manager to lead training development, support task forces and committees, evaluate vendor solutions, manage reporting and trend analysis, and provide guidance on SOP/FOPP updates and technology testing.

Benefits

• Professional growth and development programs.
• Tuition reimbursement.
• Team Member Vehicle Purchase Discount.
• Toyota Team Member Lease Vehicle Program, if applicable.
• Comprehensive health care and wellness plans for the entire family.
• Toyota 401(k) Savings Plan with company match and an annual retirement contribution, if applicable.
• Paid holidays and paid time off.
• Referral services related to prenatal services, adoption, childcare, schools, and more.
• Tax-advantaged accounts, including Health Savings Account, Health Care FSA, and Dependent Care FSA.
• Relocation assistance, if applicable.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level