Job Description: General Function / Summary: The Fraud Analyst is accountable for maintaining the integrity of the CNG Identity Management Platform through the investigation and analysis of applications identified as high risk. Completely understands the platform, necessary inputs, vendors involved, outputs, and reasons for outputs. Investigates high-risk situations to determine fraud characteristics, determine the fraud type, and determine any appropriate treatments. Resolves reports of identity theft reported by consumers. Conducts investigations with moderate supervision, following facts and evidence to appropriate conclusions. Identifies emerging fraud trends and fraud rings, mitigates on-going fraud threats through swift actions, and analyzes application data to monitor for high-risk activity across CNG products, channels, and companies. Essential Duties: Demonstrate expertise in identity intelligence investigation: Understand device and identity verification technologies, and mode of operations of fraud rings and suspicious actors. Understand and apply regulatory and compliance considerations related to account acquisition. Identify and provide insight into fraud trending and emerging fraud attacks. Conduct defect analysis to understand highly sophisticated organized fraud attacks. Identify system gaps that allow criminals to defeat CNG Identity Management Platform controls. Work with industry associations and colleagues to stay abreast of evolving threats, industry trends, and best practices for detection and mitigation. Understand key concepts in interviewing techniques of witnesses and suspects to drive for truthful results. Provide reliant and consistent communication to credit and fraud management. Recommend solutions to address emerging risks. Collaborate with Credit and Collections Analytics colleagues to discover new predictive methods for identifying fraud. Complete investigations of identity theft cases reported by consumers, including interviewing victims and/or witnesses of identity theft. Document investigative findings in appropriate systems. Prepare documentation for Suspicious Activity Report (SAR) and/or law enforcement reporting. Escalate potential fraudulent schemes identified to management. Provide excellent customer service while balancing risk-based programs for the company. Complete complex investigations and identify and situations of potential organized fraud with moderate supervision. Minimum Education and Experience Required: Bachelor’s degree or equivalent work experience 2 years of experience in lending credit or fraud risk environment, credit and fraud policy, or fraud operations in the unsecured lending industry 2 years of experience with online identity verification processes Working knowledge of fraud detection and mitigation systems Experience with financial investigations preferred Proficient with Microsoft Office programs Strong attention to detail, written and verbal communication, analytical, interpretative, and problem-solving skills; ability to analyze diverse information, develop accurate conclusions, and make recommendations Ability and willingness to consistently live and embrace our core values of accountable, inclusive, transparent, and focused Physical Demands: Standard office environment, remote eligible Extended viewing of computer screens Extended typing Travel: N/A Supervisory Functions: N/A All the above duties and responsibilities are essential job functions. All job requirements listed indicate the minimum level of knowledge, skills and/or ability deemed necessary to perform the job proficiently. This position description is not to be construed as an exhaustive statement of duties, responsibilities or requirements. Associates may be required to perform these and any other job-related instructions as requested by their manager, subject to reasonable accommodation. Nothing in this document alters the at-will nature of employment with CNG Holdings, Inc and its subsidiaries. CNG Holdings, Inc. serves consumers by providing financial solutions which fill a need and deliver value. Our Mission Our mission is to help and to educate our customers, while building and nurturing long-term relationships. We strive to make a difference in our customers’ lives and the communities we serve. Our Vision Our vision is to deliver innovative financial solutions that better fulfill our customer’s unique financial needs so that they can build a better future for themselves and their families. Introduce yourself to our recruiters and we'll get in touch if there's a role that seems like a good match.