Job Description
About Lendable
- Lendable is on a mission to build the world's best technology to help people get credit and save money. We're building one of the world’s leading fintech companies and are off to a strong start:
- One of the UK’s newest unicorns with a team of just over 700 people
- Among the fastest-growing tech companies in the UK
- Profitable since 2017
- Backed by top investors including Balderton Capital and Goldman Sachs
- Loved by customers with the best reviews in the market (4.9 across 10,000s of reviews on Trustpilot)
So far, we’ve rebuilt the Big Three consumer finance products from scratch: loans, credit cards and car finance. We get money into our customers’ hands in minutes instead of days.
We’re growing fast, and there’s a lot more to do: we’re going after the two biggest Western markets (UK and US) where trillions worth of financial products are held by big banks with dated systems and painful processes.
- Join us if you want to
- Take ownership across a broad remit. You are trusted to make decisions that drive a material impact on the direction and success of Lendable from day 1
- Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo
- Build the best technology in-house, using new data sources, machine learning and AI to make machines do the heavy lifting
About the Role
We are looking for a meticulous and curious Fraud Investigations Associate to serve as our primary defense against identity theft and organized fraud rings. While our FinCrime team sets the high-level policy, you are the investigator in the trenches, identifying synthetic identities and stopping fraudsters before they can enter our ecosystem.
In this role, you will handle the "pre-onboarding" and "post-onboarding" lifecycle for both our U.S. personal loans and credit card products. You’ll be tasked with uncovering complex fraud patterns—ranging from simple ID theft to sophisticated, large-scale fraud rings. This is a role for someone who loves "connecting the dots" and protecting both the company’s bottom line and our customers' identities.
- What You’ll Be Doing
- Identity & Application Fraud: Investigate suspicious applications at the point of onboarding to detect synthetic identities and third-party identity theft.
- Special Investigations: Conduct deep-dive investigations into suspected fraud rings and organized criminal activity, collaborating closely with senior leadership on high-stakes cases.
- Case Management & KYC: Manage the end-to-end investigation of suspicious activity. Gather "Know Your Customer" (KYC) documentation and prepare comprehensive case files for SAR consideration by the 2LoD team.
- Screening: Perform the initial clearing of Sanctions and PEP alerts, ensuring we are not facilitating prohibited transactions.
- Consumer Protection: Handle CFPB and Credit Reporting Agency (CRA) disputes specifically related to fraud claims, ensuring fair and timely resolution for victims of identity theft.
- Customer Outreach: Communicate directly with U.S. consumers to verify identity details and confirm the legitimacy of high-risk applications.
- What We’re Looking For
- Investigative Grit: 2+ years of experience in fraud investigations, specifically within U.S. fintech, personal loans, or credit cards. Or, equivalent FinCrime investigative experience in US Law Enforcement.
- Technical Literacy: Experience using identity verification tools like Alloy or Socure. You know how to read an identity report beyond just the "Pass/Fail" score. Familiar with ID databases, how to navigate them, and how to conduct thorough investigations for fraud patterns.
- Detail Oriented: Ability to document complex investigations clearly so that business leadership, regulators and bank partners can easily follow your logic.
Regulatory Knowledge: Understanding of the FCRA (Fair Credit Reporting Act) and how it pertains to fraud disputes and consumer protection.
- Life at Lendable
- The opportunity to scale up one of the world’s most successful fintech companies.
- Best-in-class compensation, including equity.
- You can work from home every Monday and Friday if you wish - on the other days, those based in the UK come together IRL at our Shoreditch office in London to be together, build and exchange ideas.
- Enjoy a fully stocked kitchen with everything you need to whip up breakfast, lunch, snacks, and drinks in the office every Tuesday-Thursday.
- We care for our Lendies’ well-being both physically and mentally, so we offer coverage when it comes to private health insurance
- We're an equal-opportunity employer and are looking to make Lendable the most inclusive and open workspace in London
Check out our blog!
Compensation Range: $80K - $140K
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