Published on

Mar 23, 2024

Published on

Mar 23, 2024

Published on

Mar 23, 2024

Published on

Mar 23, 2024

Lead Investigator, Fraud Investigations

Lead Investigator, Fraud Investigations

Lead Investigator, Fraud Investigations

Lead Investigator, Fraud Investigations

Full-time

/

San Francisco, CA

/

Hybrid

Full-time

/

San Francisco, CA

/

Hybrid

Full-time

/

San Francisco, CA

/

Hybrid

Full-time

/

San Francisco, CA

/

Hybrid

About the job

Upgrade is a fintech company that provides affordable and responsible credit, mobile banking, and payment products to everyday consumers. We were the fastest growing company in the Americas last year according to the Financial Times and Upgrade Card was the fastest growing credit card in America two years in a row. We have delivered over $25 billion in affordable and responsible credit to our 2.7M customers. The company is backed by some of the most prominent technology investors and was recently valued at $6.3B.

We have built an energizing, collaborative and inclusive culture where team members help each other, learn and innovate to move the company and its customers in the right direction, and own the outcome of their efforts.

Upgrade has been named a “Best Place to Work in the Bay Area” three years in a row, “Top Companies to work for in Arizona” and one of the "Best Engineering Department" awarded annually by Comparably. We've also received recognition for being a best company for Diversity, Women, Culture, and Veterans.

We are looking for new team members who get excited about designing and delivering new and better products to join a team of 1600 talented and dedicated professionals. Come work with us if you like to tackle big problems and make a meaningful difference in people's lives.

About the Role:

We're looking for a Lead Investigator, Fraud Investigations who will be responsible for conducting quality control reviews to ensure that investigations are completed according to Upgrade’s best practices. The ideal candidate will play an integral role in assisting with the growth and development of the team and improving processes and procedures. This role will be based in our San Francisco office in a hybrid capacity.

What You’ll Do:



  • Conduct quality control reviews to ensure investigations are completed in adherence to published policies and procedures

  • Providing training and constructive feedback to Investigators on cases reviewed including but not limited to adherence to best practices, quality of investigations, and attention to detail

  • Conduct escalated or complex investigations across all product lines

  • Suggest process improvements to streamline operations and strategies to reduce fraud

  • Assist with the identification of emerging fraud trends and developing strategies to mitigate risk for Upgrade and its customers

  • Assist with developing metrics and KPI’s aimed at evaluating the effectiveness of fraud prevention methods, investigations, and loss mitigation efforts

  • Understand the risks of AML and fraud typologies that are presented by Upgrade’s product offerings and services, including lending and deposit products

  • Assist with the coordination between Fraud teams to recover or chargeback stolen funds



What We Look For:



  • 2-3 years of BSA/AML, Investigations, or Fraud related experience

  • Bachelor's degree required

  • Excellent communication, interpersonal, leadership, coaching, and conflict resolution skills



Nice to Have:



  • Experience managing teams and processes

  • Advanced skills in Excel, SQL, or equivalent query languages

  • Tableau or similar business intelligence or data visualization tool

  • CAMS, CFE, and/or other relevant certifications

  • Prior experience in FinTech or start-up environment



What We Offer You:



  • Competitive salary and stock option plan

  • 100% paid coverage of medical, dental and vision insurance

  • Flexible PTO

  • Opportunities for professional growth and development

  • Paid parental leave

  • Health & wellness initiatives



The compensation range of this position in San Francisco, CA is USD $38.95 - $42.50 hourly plus benefits. Within this range, an individual's base pay will be dependent on a variety of factors, including without limitation, job-related knowledge, skills, education, and experience.

#BI-Hybrid

Notice to California-based Candidates for Employment. This California Candidate Privacy Notice is intended to provide information about how Upgrade collects and uses personal information to California consumers who apply for employment with Upgrade If you are employed by Upgrade, refer to the Employee Handbook for additional information. For any questions about this notice, please contact ccpa@upgrade.com.

Personal Information Upgrade Collects:

Identifiers Including name, address, email, telephone number, social security number, driver license number, passport number, and other personal identifying information. Characteristics of protected classifications under California or federal law, including demographic information and other personal information obtained during the application process, such as gender, race, national origin. Professional or employment-related information, such as salary/compensation and benefits packages, other relocation or job preferences, prior background, experience, skills, and other information in support of your application, reference information, other information obtained through background checks, including employment, credit, and criminal history. Education Information. Any other information you provide as a part of recruitment, job application, or interview process.

Purposes for Collecting Personal Information:

To consider qualifications, skills, and interest for employment. To communicate with you during the recruitment and interview process. To conduct background checks and verify your information if you are offered employment. To provide compensation, including payroll, and administer stock options and benefits, including medical, dental, vision, commuter, and retirement benefits. To provide human resources services and conduct performance evaluations. To monitor work eligibility including work-related licenses, credentials, training, and eligibility to work in the United States. To improve recruitment and interview processes and ensure a safe and efficient working environment. To comply with applicable legal or regulatory requirements including state and federal company reporting obligations.

We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

About the job

Upgrade is a fintech company that provides affordable and responsible credit, mobile banking, and payment products to everyday consumers. We were the fastest growing company in the Americas last year according to the Financial Times and Upgrade Card was the fastest growing credit card in America two years in a row. We have delivered over $25 billion in affordable and responsible credit to our 2.7M customers. The company is backed by some of the most prominent technology investors and was recently valued at $6.3B.

We have built an energizing, collaborative and inclusive culture where team members help each other, learn and innovate to move the company and its customers in the right direction, and own the outcome of their efforts.

Upgrade has been named a “Best Place to Work in the Bay Area” three years in a row, “Top Companies to work for in Arizona” and one of the "Best Engineering Department" awarded annually by Comparably. We've also received recognition for being a best company for Diversity, Women, Culture, and Veterans.

We are looking for new team members who get excited about designing and delivering new and better products to join a team of 1600 talented and dedicated professionals. Come work with us if you like to tackle big problems and make a meaningful difference in people's lives.

About the Role:

We're looking for a Lead Investigator, Fraud Investigations who will be responsible for conducting quality control reviews to ensure that investigations are completed according to Upgrade’s best practices. The ideal candidate will play an integral role in assisting with the growth and development of the team and improving processes and procedures. This role will be based in our San Francisco office in a hybrid capacity.

What You’ll Do:



  • Conduct quality control reviews to ensure investigations are completed in adherence to published policies and procedures

  • Providing training and constructive feedback to Investigators on cases reviewed including but not limited to adherence to best practices, quality of investigations, and attention to detail

  • Conduct escalated or complex investigations across all product lines

  • Suggest process improvements to streamline operations and strategies to reduce fraud

  • Assist with the identification of emerging fraud trends and developing strategies to mitigate risk for Upgrade and its customers

  • Assist with developing metrics and KPI’s aimed at evaluating the effectiveness of fraud prevention methods, investigations, and loss mitigation efforts

  • Understand the risks of AML and fraud typologies that are presented by Upgrade’s product offerings and services, including lending and deposit products

  • Assist with the coordination between Fraud teams to recover or chargeback stolen funds



What We Look For:



  • 2-3 years of BSA/AML, Investigations, or Fraud related experience

  • Bachelor's degree required

  • Excellent communication, interpersonal, leadership, coaching, and conflict resolution skills



Nice to Have:



  • Experience managing teams and processes

  • Advanced skills in Excel, SQL, or equivalent query languages

  • Tableau or similar business intelligence or data visualization tool

  • CAMS, CFE, and/or other relevant certifications

  • Prior experience in FinTech or start-up environment



What We Offer You:



  • Competitive salary and stock option plan

  • 100% paid coverage of medical, dental and vision insurance

  • Flexible PTO

  • Opportunities for professional growth and development

  • Paid parental leave

  • Health & wellness initiatives



The compensation range of this position in San Francisco, CA is USD $38.95 - $42.50 hourly plus benefits. Within this range, an individual's base pay will be dependent on a variety of factors, including without limitation, job-related knowledge, skills, education, and experience.

#BI-Hybrid

Notice to California-based Candidates for Employment. This California Candidate Privacy Notice is intended to provide information about how Upgrade collects and uses personal information to California consumers who apply for employment with Upgrade If you are employed by Upgrade, refer to the Employee Handbook for additional information. For any questions about this notice, please contact ccpa@upgrade.com.

Personal Information Upgrade Collects:

Identifiers Including name, address, email, telephone number, social security number, driver license number, passport number, and other personal identifying information. Characteristics of protected classifications under California or federal law, including demographic information and other personal information obtained during the application process, such as gender, race, national origin. Professional or employment-related information, such as salary/compensation and benefits packages, other relocation or job preferences, prior background, experience, skills, and other information in support of your application, reference information, other information obtained through background checks, including employment, credit, and criminal history. Education Information. Any other information you provide as a part of recruitment, job application, or interview process.

Purposes for Collecting Personal Information:

To consider qualifications, skills, and interest for employment. To communicate with you during the recruitment and interview process. To conduct background checks and verify your information if you are offered employment. To provide compensation, including payroll, and administer stock options and benefits, including medical, dental, vision, commuter, and retirement benefits. To provide human resources services and conduct performance evaluations. To monitor work eligibility including work-related licenses, credentials, training, and eligibility to work in the United States. To improve recruitment and interview processes and ensure a safe and efficient working environment. To comply with applicable legal or regulatory requirements including state and federal company reporting obligations.

We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

About the job

Upgrade is a fintech company that provides affordable and responsible credit, mobile banking, and payment products to everyday consumers. We were the fastest growing company in the Americas last year according to the Financial Times and Upgrade Card was the fastest growing credit card in America two years in a row. We have delivered over $25 billion in affordable and responsible credit to our 2.7M customers. The company is backed by some of the most prominent technology investors and was recently valued at $6.3B.

We have built an energizing, collaborative and inclusive culture where team members help each other, learn and innovate to move the company and its customers in the right direction, and own the outcome of their efforts.

Upgrade has been named a “Best Place to Work in the Bay Area” three years in a row, “Top Companies to work for in Arizona” and one of the "Best Engineering Department" awarded annually by Comparably. We've also received recognition for being a best company for Diversity, Women, Culture, and Veterans.

We are looking for new team members who get excited about designing and delivering new and better products to join a team of 1600 talented and dedicated professionals. Come work with us if you like to tackle big problems and make a meaningful difference in people's lives.

About the Role:

We're looking for a Lead Investigator, Fraud Investigations who will be responsible for conducting quality control reviews to ensure that investigations are completed according to Upgrade’s best practices. The ideal candidate will play an integral role in assisting with the growth and development of the team and improving processes and procedures. This role will be based in our San Francisco office in a hybrid capacity.

What You’ll Do:



  • Conduct quality control reviews to ensure investigations are completed in adherence to published policies and procedures

  • Providing training and constructive feedback to Investigators on cases reviewed including but not limited to adherence to best practices, quality of investigations, and attention to detail

  • Conduct escalated or complex investigations across all product lines

  • Suggest process improvements to streamline operations and strategies to reduce fraud

  • Assist with the identification of emerging fraud trends and developing strategies to mitigate risk for Upgrade and its customers

  • Assist with developing metrics and KPI’s aimed at evaluating the effectiveness of fraud prevention methods, investigations, and loss mitigation efforts

  • Understand the risks of AML and fraud typologies that are presented by Upgrade’s product offerings and services, including lending and deposit products

  • Assist with the coordination between Fraud teams to recover or chargeback stolen funds



What We Look For:



  • 2-3 years of BSA/AML, Investigations, or Fraud related experience

  • Bachelor's degree required

  • Excellent communication, interpersonal, leadership, coaching, and conflict resolution skills



Nice to Have:



  • Experience managing teams and processes

  • Advanced skills in Excel, SQL, or equivalent query languages

  • Tableau or similar business intelligence or data visualization tool

  • CAMS, CFE, and/or other relevant certifications

  • Prior experience in FinTech or start-up environment



What We Offer You:



  • Competitive salary and stock option plan

  • 100% paid coverage of medical, dental and vision insurance

  • Flexible PTO

  • Opportunities for professional growth and development

  • Paid parental leave

  • Health & wellness initiatives



The compensation range of this position in San Francisco, CA is USD $38.95 - $42.50 hourly plus benefits. Within this range, an individual's base pay will be dependent on a variety of factors, including without limitation, job-related knowledge, skills, education, and experience.

#BI-Hybrid

Notice to California-based Candidates for Employment. This California Candidate Privacy Notice is intended to provide information about how Upgrade collects and uses personal information to California consumers who apply for employment with Upgrade If you are employed by Upgrade, refer to the Employee Handbook for additional information. For any questions about this notice, please contact ccpa@upgrade.com.

Personal Information Upgrade Collects:

Identifiers Including name, address, email, telephone number, social security number, driver license number, passport number, and other personal identifying information. Characteristics of protected classifications under California or federal law, including demographic information and other personal information obtained during the application process, such as gender, race, national origin. Professional or employment-related information, such as salary/compensation and benefits packages, other relocation or job preferences, prior background, experience, skills, and other information in support of your application, reference information, other information obtained through background checks, including employment, credit, and criminal history. Education Information. Any other information you provide as a part of recruitment, job application, or interview process.

Purposes for Collecting Personal Information:

To consider qualifications, skills, and interest for employment. To communicate with you during the recruitment and interview process. To conduct background checks and verify your information if you are offered employment. To provide compensation, including payroll, and administer stock options and benefits, including medical, dental, vision, commuter, and retirement benefits. To provide human resources services and conduct performance evaluations. To monitor work eligibility including work-related licenses, credentials, training, and eligibility to work in the United States. To improve recruitment and interview processes and ensure a safe and efficient working environment. To comply with applicable legal or regulatory requirements including state and federal company reporting obligations.

We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

About the job

Upgrade is a fintech company that provides affordable and responsible credit, mobile banking, and payment products to everyday consumers. We were the fastest growing company in the Americas last year according to the Financial Times and Upgrade Card was the fastest growing credit card in America two years in a row. We have delivered over $25 billion in affordable and responsible credit to our 2.7M customers. The company is backed by some of the most prominent technology investors and was recently valued at $6.3B.

We have built an energizing, collaborative and inclusive culture where team members help each other, learn and innovate to move the company and its customers in the right direction, and own the outcome of their efforts.

Upgrade has been named a “Best Place to Work in the Bay Area” three years in a row, “Top Companies to work for in Arizona” and one of the "Best Engineering Department" awarded annually by Comparably. We've also received recognition for being a best company for Diversity, Women, Culture, and Veterans.

We are looking for new team members who get excited about designing and delivering new and better products to join a team of 1600 talented and dedicated professionals. Come work with us if you like to tackle big problems and make a meaningful difference in people's lives.

About the Role:

We're looking for a Lead Investigator, Fraud Investigations who will be responsible for conducting quality control reviews to ensure that investigations are completed according to Upgrade’s best practices. The ideal candidate will play an integral role in assisting with the growth and development of the team and improving processes and procedures. This role will be based in our San Francisco office in a hybrid capacity.

What You’ll Do:



  • Conduct quality control reviews to ensure investigations are completed in adherence to published policies and procedures

  • Providing training and constructive feedback to Investigators on cases reviewed including but not limited to adherence to best practices, quality of investigations, and attention to detail

  • Conduct escalated or complex investigations across all product lines

  • Suggest process improvements to streamline operations and strategies to reduce fraud

  • Assist with the identification of emerging fraud trends and developing strategies to mitigate risk for Upgrade and its customers

  • Assist with developing metrics and KPI’s aimed at evaluating the effectiveness of fraud prevention methods, investigations, and loss mitigation efforts

  • Understand the risks of AML and fraud typologies that are presented by Upgrade’s product offerings and services, including lending and deposit products

  • Assist with the coordination between Fraud teams to recover or chargeback stolen funds



What We Look For:



  • 2-3 years of BSA/AML, Investigations, or Fraud related experience

  • Bachelor's degree required

  • Excellent communication, interpersonal, leadership, coaching, and conflict resolution skills



Nice to Have:



  • Experience managing teams and processes

  • Advanced skills in Excel, SQL, or equivalent query languages

  • Tableau or similar business intelligence or data visualization tool

  • CAMS, CFE, and/or other relevant certifications

  • Prior experience in FinTech or start-up environment



What We Offer You:



  • Competitive salary and stock option plan

  • 100% paid coverage of medical, dental and vision insurance

  • Flexible PTO

  • Opportunities for professional growth and development

  • Paid parental leave

  • Health & wellness initiatives



The compensation range of this position in San Francisco, CA is USD $38.95 - $42.50 hourly plus benefits. Within this range, an individual's base pay will be dependent on a variety of factors, including without limitation, job-related knowledge, skills, education, and experience.

#BI-Hybrid

Notice to California-based Candidates for Employment. This California Candidate Privacy Notice is intended to provide information about how Upgrade collects and uses personal information to California consumers who apply for employment with Upgrade If you are employed by Upgrade, refer to the Employee Handbook for additional information. For any questions about this notice, please contact ccpa@upgrade.com.

Personal Information Upgrade Collects:

Identifiers Including name, address, email, telephone number, social security number, driver license number, passport number, and other personal identifying information. Characteristics of protected classifications under California or federal law, including demographic information and other personal information obtained during the application process, such as gender, race, national origin. Professional or employment-related information, such as salary/compensation and benefits packages, other relocation or job preferences, prior background, experience, skills, and other information in support of your application, reference information, other information obtained through background checks, including employment, credit, and criminal history. Education Information. Any other information you provide as a part of recruitment, job application, or interview process.

Purposes for Collecting Personal Information:

To consider qualifications, skills, and interest for employment. To communicate with you during the recruitment and interview process. To conduct background checks and verify your information if you are offered employment. To provide compensation, including payroll, and administer stock options and benefits, including medical, dental, vision, commuter, and retirement benefits. To provide human resources services and conduct performance evaluations. To monitor work eligibility including work-related licenses, credentials, training, and eligibility to work in the United States. To improve recruitment and interview processes and ensure a safe and efficient working environment. To comply with applicable legal or regulatory requirements including state and federal company reporting obligations.

We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

Upgrade, Inc.

San Francisco, CA

Visit Company Website

Upgrade, Inc.

San Francisco, CA

Visit Company Website

Upgrade, Inc.

San Francisco, CA

Visit Company Website

Upgrade, Inc.

San Francisco, CA

Visit Company Website

About Company

Upgrade is a fintech unicorn founded in 2017. Since then we’ve helped customers access over $25 billion in consumer credit, with millions of families across America using a credit line, personal loan, or Rewards Checking or Premier Savings account through Upgrade. We are looking for new team members who get excited about designing and delivering new and better products. Come join us if you like to tackle big problems and make a meaningful difference in people's lives! Our innovative Upgrade Card has been the fastest growing credit card in America (Nilson Report) for two years in a row. We’ve been named a “Best Place to Work in the Bay Area” for the last three years, as well as one of the “Top Companies to work for in Arizona” in 2021 and 2022. We’ve also been recognized as a best company for Diversity, Women, Veterans, Culture, Compensation, Engineering, and Overall Outlook by team members on Comparably.

Total Employees

1,171

Company 2-Year Growth

53%

Median Employee Tenure

2.1 years

Because no one goes to school
for fighting fraud.