OppFi is a tech-enabled, mission-driven specialty finance platform that broadens the reach of community banks to extend credit access to everyday Americans. Through best-in-class customer service, transparency, responsible lending, and financial inclusion, we support consumers, who are turned away by mainstream options, to build better financial health.
We are a team of caring, innovative, and inclusive individuals who thrive in being immersed in diverse talents, expertise, perspectives, and backgrounds. Our employees approach every new challenge with an unparalleled ability to see what could be rather than settle for what is. Our business principles guide us and create an open and collaborative culture where we improve 1% every day, and the best ideas always win! We welcome individuals who want to make an impact in the financial system by facilitating credit access, expanding financial inclusion, promoting financial health, and delivering exceptional customer service.
A few other fun facts about us. OppFi is one of the top consumer-rated financial platforms online, maintaining a 4.5/5.0-star rating on Trustpilot. We are a 2023 Crain’s Fast 50™ company and were named on Built In's 2024 Best Places to Work in Chicago.
About The Job
As a Fraud Representative, you will play a crucial role in ensuring identity theft disputes through the credit bureaus are reviewed for legitimacy, and within our designated SLA. Collaborating with various departments, you will ensure that our fraud reviews are thorough and descriptive for audit and reporting purposes. Reporting to the Fraud Operations Manager, you will contribute to the monitoring and investigation of suspicious activities, enhancing and contributing to the overall compliance posture of our organization.
This role is ideal for a proactive professional who excels at investigating claims and disputes for accuracy, identifying potential risks, and helping those who are true victims of ID theft.
What you get to do:
- Investigate and research cases of fraud claims from the credit bureaus. Approving or denying those claims by thoroughly investigating cases to determine validity of claims.
- Perform independent, investigative reviews, know when to make a decision on a case or when to detect and alert senior team mates or partnering teams related to financial fraud types like Identity Theft, Payment Fraud, Elder Financial Abuse etc.
- Provide timely and accurate response to ensure customers receive the best service when verification is requested
- Communicate risk decisions effectively in both verbal and written communication to customers, internal business partners, agent offices and management.
- Maintain accurate records of investigations, findings, and actions taken, adhering to confidentiality and data protection standards.
- Provide consultation and day-to-day support to internal associates related to fraud investigations and loss mitigation opportunities
- Provide operational coverage through operational hours
- Maintain and manage a caseload while meeting competing SLA requirements.
What you will bring to the team:
- 1-2 years of work experience with preferred experience in financial services, underwriting, compliance or similar fields
- Knowledge of customer experience and financial services
- Proficiency with Microsoft Office products including Word and Excel and general knowledge of databases
- Ability to research and resolve issues
- Excellent verbal, written, and interpersonal communication skills
- Ability to meet stringent deadlines
- Ability to achieve high production and quality standards
- Ability to work effectively, as well as independently, in a team environment
- Ability to effectively deal with ambiguity and a changing work environment
Total Rewards and Benefits:
At OppFi, we are committed to fostering a fair and equitable workplace. The compensation range for this role reflects our good faith compensation estimate for this position. Final offers are determined based on a myriad of factors including, but not limited to experience, skills, qualifications, and other relevant business considerations. Candidates are encouraged to discuss compensation expectations during the hiring process. In addition to base pay, the total compensation package includes eligibility and potential for performance-based bonuses and equity grants dependent upon the role and job level.
OppFi offers a flexible, remote environment, 401(k) matching program, and generous paid time off. Other benefits include medical, dental, and vision coverage, and tuition reimbursement. Additional benefits include DoorDash DashPass, Figo pet insurance, Rocket Lawyer, and access to LinkedIn Learning. OppFi also offers Fringe, a lifestyle benefits platform that allows employees to decide how to spend rewards from dozens of vendors like Uber, DoorDash, and UrbanSitter. #LI-Remote
EEO Statement:
OppFi is an equal opportunity employer and does not discriminate based on any actual or perceived legally recognized protected bases under local, state, federal law, or regulations. Our goal as a company is to build an equitable workplace that actively works to dismantle systems of oppression in our processes, procedures, and interactions. We aim to help our employees thrive where they work and beyond. Check out our Culture page here.
As part of OppFi’s commitment to providing equal opportunity to qualified individuals, OppFi will ensure that persons with disabilities are provided reasonable accommodation as defined by applicable laws and organizational policies. If reasonable accommodation is needed to participate in the job application or interview processes or job requirements, please contact our People Team at [email protected].
Pursuant to the requirements of the California Consumer Privacy Act, OppFi is providing the "OppFi California Employee Privacy Policy", which details the categories of personal information collected and your rights under the policy. If you are a California resident, please review the policy here: https://www.oppfi.com/careers/.
The information in this document is for general informational purposes only. It is not intended to be an all-inclusive list or description of the organization and its requirements for positions and employees. OppFi reserves the right to modify or change the information on this document at its discretion.
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