Fraud Prevention Specialist II

Fraud Prevention Specialist II

Department:

07- Houston Operations

Location:

Houston, TX Stellantis Financial Services (SFS) is the new captive finance company for one of the world's leading automakers and a mobility provider with iconic brands including Abarth, Alfa Romeo, Chrysler, Citroën, Dodge, DS Automobiles, Fiat, Jeep®, Lancia, Maserati, Opel, Peugeot, Ram, Vauxhall, Free2move and Leasys. Our exciting growth provides opportunities to advance your career as we successfully lead products and services from a small to midsize company in just a few years. Join our world class team and culture and contribute to our core mission which is enhancing our customer's experience.

Position Summary:

The Fraud Prevention Specialist II is responsible for conducting complex fraud investigations and supporting the continuous improvement of fraud detection processes. This position builds on the foundational knowledge of fraud detection and prevention, requiring increased analytical ability, independent judgment, and collaboration across departments.

Essential Duties and Responsibilities:

• Independently review and investigate discrepancies on credit applications, retail installment contracts, paystubs, and other documents provided to satisfy stipulations.
• Detects when information on applications, loan contracts, documents and steps could pose a fraud risk to the company, its auto dealers, and customers.
• Complete customer phone interviews to clear credit bureau fraud alerts and verify applicant's identity when red flags exist.
• Conduct moderate-to-complex investigations and document findings in detail.
• Maintain accurate records in the loan and lease originations systems and in case management systems.
• Work closely with Fraud Prevention Specialist I team members to provide guidance and mentorship.
• Contribute to the refinement of procedures and workflows.
• Maintain confidentiality of personal information for consumers, including, but not limited to, Social Security numbers, and dates of birth.
• Other duties may be assigned.

Qualifications and Competencies Required To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

Required Experience:

• Minimum 2 years' experience in the auto finance industry as fraud specialist or similar role.

Education:

• High school diploma and or/GED.

Skills Required:

• Proficient working with fraud detection software such as Point Predictive, TLO and LexisNexis.
• Strong analytical skills with the ability to interpret complex data.
• Knowledge of industry best practices in fraud prevention
• Excellent communication skills, both written and verbal.
• Proficient in using Microsoft Office Suite.

Experience reading credit reports from Equifax, Transunion, and Experian. Ability to multitask and manage multiple investigations.

Additional Requirements:

• Overtime required - required on an as needed basis and last 2 days of each month.
• Travel 0-10% - as required on an as needed basis.
• Must have reliable transportation and live within a commutable distance to one of the following cities: Dallas, TX; Houston, TX; Phoenix, AZ.

Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this Job, the employee is regularly required to sit; use hands to finger, handle, or feel; reach with hands and arms and talk or hear. The employee is occasionally required to stand; walk and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision. Work Environment The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate. Work Schedule This position is a hybrid role, requiring in-office presence per business needs. This position requires the ability to work various shifts to accommodate business needs. Typically, between the hours of 11AM-8PM Monday through Friday, every other Saturday and alternating 4hr shifts every 7th Sunday also on Holidays as needed. Travel is required 10% of the time. An applicant must be authorized to work in the United States to be eligible for this position. Stellantis Financial Services, Inc. will not sponsor applicants for work visas of any type for this position. Stellantis Financial Services, Inc (SFS) is an equal opportunity employer and is committed to providing its employees an environment that is free of harassment, discrimination, and intimidation. It is the policy of SFS to comply with all applicable employment laws and regulations and to provide equal opportunity for all qualified persons and to not discriminate against any employee or applicant for employment because of race, color, religion, sex, age, national origin, disability, pregnancy, sexual orientation, veteran status, gender identity or expression, change of sex, and/or transgender status or any protected status. Candidates must possess authorization to work in the United States. This policy applies to recruitment and placement, promotion, training, transfer, retention, rate of pay and all other terms and conditions of employment. Employment and promotion decisions will be based solely on merit, ability, achievement, experience, conduct and other legitimate business reasons.