Oportun. Inc

Fraud Analyst

Req No.
Operation Control Management
Regular Full-Time
Job Locations




Oportun is a mission-driven, technology-powered provider of inclusive, affordable financial services and a certified Community Development Financial Institution (CDFI).


We seek to serve the 100 million people in the US who are shut out of the financial mainstream because they are credit invisible or are mis-scored because they have limited credit history. By lending money to hardworking, low-to-moderate income individuals, we help them move forward in their lives, demonstrate their creditworthiness, and establish the credit history they need to access new opportunities.


Since 2006, we have lent over $6.8 billion through over 3.1 million affordable small dollar loans and have helped over 730,000 people start establishing credit. In recognition of inventive approach, we were recognized by Time Magazine as one of 50 Genius Companies inventing the future.


The Bay Area News Group recognized Oportun as a Top Workplace in 2019. Come and be a part of our community of employees, partners, and customers who are devoted to expanding financial opportunity for millions. When we work together, we can make life better.




As a Fraud Analyst within the Financial Intelligence Unit (FIU), you will minimize and prevent losses resulting from high risk fraudulent non-monetary transactions. You will work under general supervision and demonstrate judgment capability to review and/or investigate routine risk transactions or reports. Per departmental procedures and Federal Regulations, you will take proactive measures to prevent losses through any of the following: performing investigations, restricting accounts, analyzing suspicious account activity and properly reporting and categorizing activity that has created loss exposure. You will operate in a team environment and often have customer communications as a key component of your job responsibility. You will also rely on effective relationships with representatives from various lines of business and outside financial institutions.



  • Provide an independent and objective approach of fraud prevention and analysis within Oportun
  • Lead root cause analysis on internal and external AML and fraud investigations
  • Required to abide by all applicable regulatory and department practices and procedures
  • Provide a high level of service to customers, claimants, internal partners, and external partners
  • Ability to track and monitor fraud trends and escalate to upper management 
  • Review accounts flagged for potential fraud or other violations such as potentially false information, identity theft, potential collusion with company employees in originating fraudulent loans, etc.
  • Address AML, OFAC, and Fraud alerts on time
  • Conduct thorough investigations of reported fraud or suspicious activity and be able to create reports/summaries to be distributed to affected members of the organization
  • Develop and maintain partnerships with internal business owners to continually improve and strengthen fraud investigations and mitigate potential fraud risk
  • Contribute to the ongoing evolution of Oportun’s risk management policies & procedures
  • Assess current and new business processes to identify and enhance alerts to prevent fraudulent activity
  • Develop new alerts and means to detect and prevent fraud

Other Functions:

  • Additional responsibilities as requested
  • Special projects as requested
  • Participate in industry working groups as requested

Working Conditions:

  • Extended working hours may be required per business need if requested
  • Some domestic and international travel may be necessary 
  • Experience working with overseas and remote employees
  • Rotating Weekend coverage per business need, if requested



  • Bilingual English/Spanish (Written and Oral) is highly recommended
  • Minimum 4 – 6 years of experience
  • Functional skills: AML and fraud experience in instalment loans, AML investigations, credit cards or auto finance
  • Must possess strong knowledge of AML, fraud and risk management strategies and principles 
  • A keen eye for detail and self-driven
  • Problem-solving and analytical skills required
  • Ability to provide a detailed analysis when identifying fraud trends
  • Exceptional interpersonal skills 
  • Demonstrate a strong work ethic and professional integrity
  • Excellent oral and written communication skills
  • Excellent organizational skills
  • Ability to collaborate and execute with all levels of the organization 
  • Ability to execute with a sense of urgency
  • Ability to resolve complex issues
  • Must demonstrate experience in answering customer inquiries and providing a positive exceptional customer experience
  • Strong knowledge of desktop computer applications, such as Microsoft Word, PowerPoint, and Excel



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