Fraud Investigator

OneMain Financial•Baltimore, MD

1d•$50,000 - $70,000•Hybrid

About The Position

The Fraud Investigator supports fraud detection and deterrence in a fast-paced, high-volume environment, with a focus on preventing or recovering at-risk funds and pursuing criminal activity targeting the company's products and customers. The role handles fraud matters escalated from multiple referral sources and works with Fraud Managers, Senior Investigators, management, and departments across the organization. The investigator gathers and documents evidence, provides intelligence for fraud-prevention assessments and decisions, contacts customers to verify transactions and collect case information, and conducts root cause analysis. The position also analyzes fraud patterns, escalates high-risk cases, collaborates across teams on resolutions and preventive measures, and may assist with other fraud-team projects. The role is based in Baltimore, Maryland, with a hybrid schedule Tuesday through Thursday.

Requirements

At least 2 years of experience in financial services, including personal loan origination, credit card servicing, or collections, or in investigations or law enforcement.
Proficiency with basic office software, including Microsoft Word, Excel, and Outlook.
Working knowledge of financial products and associated processes, and an understanding of basic investigative procedures.
Working knowledge of government and regulatory statutes relating to financial services and fraud.
Effective verbal and written communication skills for casework and obtaining cooperation from other parties.
Ability to work independently and as part of a team, as circumstances dictate.
Judgment to escalate high-risk matters to a Fraud Manager, Senior Investigator, and/or management.
Motivation and results orientation, with the ability to work remotely effectively.
Ability to multitask and manage a diverse, high-volume caseload.

Nice To Haves

Some college or equivalent work experience.

Responsibilities

Collect and accurately document investigative evidence in a timely manner, supporting proactive assessments and decisions in coordination with Fraud Managers.
Provide timely, accurate, and formulated intelligence to support fraud-prevention assessments and decision-making, minimize losses, protect customers, and safeguard product integrity.
Assist other members of the fraud team with collateral project assignments as needed.
Initiate communication with individuals potentially affected by fraudulent activity or scams and conduct comprehensive root cause analysis.
Make outbound calls to customers to verify transaction legitimacy, clarify case details, and gather information for investigations.
Identify process gaps, control failures, and behavioral trends contributing to fraud incidents.
Collaborate with cross-functional teams to resolve fraud cases and implement preventive measures.
Analyze fraud patterns and escalate high-risk cases with documented findings and recommendations.