Aspiration is in the business of fighting the climate crisis. We help people and businesses build sustainable impact into what they do every day by making it easy, automated, and powerful -- whether it is in the ways people spend and save their money or the ways businesses engage their customers and employees. The estimated cumulative climate impact of the Aspiration community thus far is the equivalent of taking every car in the state of Connecticut off the road for a year. Aspiration is a certified B Corporation and, in fact, has been named to the “Best for the World” list of the top five percent of highest scored certified B Corporations four years in a row. Aspiration has raised over $550M in funding to date and is growing quickly.

Action: We take initiative. We are doers, not bystanders.

Boldness: We don’t tinker, we transform.

Customer-Centered: Our customers are at the core of our business. Delivering for them is our North Star.

Diligence & Dedication: We do what we say we’re going to do, when we say we’re going to do it.

Entrepreneurial: Act like an entrepreneur not an employee, generate results for the company and customers everyday.

What You'll Do

• Perform analysis of transactions patterns and alerts to create a fine-tuned report for Fraud Specialist to deep dive working with the Sr. Analyst
• Observe customer transactions to identify fraudulent activity such as account take over (ATO), friendly fraud (FF), ID theft, stolen financials or similar fraud trends.
• Perform timely, thorough and quality decisioning of suspect transactions minimizing customer impact, providing positive customer experience, and minimizing fraud risk
• Perform a wide variety of investigations with limited oversight into the activity of our customers, staying alert for indications of fraud or abuse
• Reviews fraud attacks to understand and address coverage gaps
• Participates in quarterly and annual fraud loss forecasting exercises
• Develops insights and rules to deliver fraud loss plan
• Uncovers and resolves process gaps throughout the Bank
• Provides alert support to address emerging threats
• Fraud Rule Management
• Remain current with emerging fraud typologies and apply that knowledge to the current investigation
• Improve our efficiency, quality, and the customer experience in collaboration with team members
• Maintain a queue of active investigations, communicating with customers electronically
• Escalate new fraud trends and typologies to team members and management
• Cross-train across team functions to provide support, as needed
• Continue to look for opportunities to improve detection of fraud
• Act at all times in a manner that is ethical and aligned with the regulatory obligations of the firm, and our partners
• A variety of other duties aligned with your unique skills, as our firm and its obligations expand and evolve

What You'll Bring

• SIE and S99 required to be obtained within 120 days of start
• 4+ years of previous banking, payment, and FinTech experience along with ACH, Card Not Present (CNP) fraud knowledge/methodology experience preferred.
• 4+ year of experience in fraud or loss prevention
• Experience with various fraud prevention solutions, identification of fraud risk factors and utilization of 3rd party validation tools
• Experience in processing or identifying chargebacks, and unauthorized returns or claims relating to financial transactions
• A deep understanding of banking and investment products
• A highly motivated, detail-oriented individual in possession of good judgment and strong problem resolution skills.
• Ability to develop basic SQL queries
• Good knowledge of payment channels (Check, ACH, Debit and Credit) and risks associated
• The entrepreneurial mentality to do what it takes to achieve our goals, without having someone telling you what to do
• Innate curiosity, tenacity, and persistence are needed to pursue the root cause of fraudulent activities.
• Natural inquisitive nature and appreciation for doing research and investigative type of work.
• Strong analytical skills like pattern recognition, identification of inconsistencies and deductive reasoning.
• Experience in identifying false positives
• Strong written and verbal communication skills
• Demonstrated attention to detail
• Curiosity; when your work is finished, you are driven to enrich yourself and your team by learning and applying new things
• Strong proficiency with personal computers and business productivity software

Bonus Points

• Proficiency with cloud-based business intelligence, content management or case management software
• Demonstrated and substantial success in building processes, creating business value, or creating uniquely fantastic customer experiences at scale; bonus if any of these were in a financial services environment
• Experience working in a fast-paced startup environment

What You'll Get

• Work for a mission-driven company to transform the lives of millions by building a better, values-oriented financial firm.
• Opportunity to be part of and to contribute to ESG, as a steward of social and environmental change.
• Participation opportunities in Diversity, Equity and Inclusion employee activities and events
• Robust benefit offerings, including medical, dental, vision and 401k.
• Parental Leave expansion (12 weeks of paid leave over the course of a year)
• Pet Insurance and other voluntary benefit plan offerings
• Unlimited vacation time and 80 hours of sick time annually
• 12 Paid Holidays
• Work from home setup and equipment reimbursement
• Semi - annual performance reviews
• Employee Referral Bonus Program

Aspiration is proud to be an ESG company. We are an equal opportunity workplace. Diversity at Aspiration is not just compliance-driven. Diversity is our compass to drive equitable practices; to celebrate individuality; and to foster the uniqueness within each of us that makes our products, services, and culture better than most. Yes, we are proud to be a DEI company and we encourage everyone, inside and outside of Aspiration, to show up as you are and as you want to be, every day.

This organization participates in E-Verify. Find more information here!

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