Upgrade is a fintech unicorn founded in 2017. In the last four years, over 15 million people have applied for an Upgrade card or loan, and we have delivered over $7 billion in affordable and responsible credit. Our innovative Upgrade Card combines the flexibility of a credit card with the low cost of an installment loan. Our latest offering, Rewards Checking, gives customers access to no-fee checking accounts with 2% cash back rewards on common everyday spending. Learn more about the team.

Upgrade has been named a “Best Place to Work in the Bay Area” by the San Francisco Business Times and Silicon Valley Business Journal 3 years in a row, and received “Best Company for Women” and “Best Company for Diversity” awards from Comparably. Upgrade has been included in the 2021 Inc. 5000 list of the fastest-growing private companies in America.

We are looking for new team members who get excited about designing and implementing new and better products to join a team of 750 talented and passionate professionals. Come join us if you like to tackle big problems and make a meaningful difference in people's lives.

Responsibilities:

• Complete reviews of customers and transactions flagged by the Bank’s automated monitoring system(s), manual reports, and/or referrals;
• Understand the risks and AML and fraud typologies that are presented by Upgrade’s product offerings and services, including its loan and deposit products;
• Conduct research using internal and external sources to help determine if escalation is warranted;
• Ensure annotations include a detailed disposition as to why an alert is being closed or escalated for further review;
• Retain records of all information relied upon to complete a disposition of an alert;
• Close false positives and alerts that do not indicate potentially suspicious activity in a timely manner;
• Escalate potentially suspicious activity and high risk customers for further review.

Skills:

• 0-2 years of financial crimes, compliance, or operations experience; experience working at a FinTech or start-up is a plus.
• Experience in AML, fraud, or sanctions alert closure and/or investigations.
• Experience in working a production-based environment and managing assigned work queue.
• Knowledge of financial products, including credit cards, lending products, and deposit accounts.
• Sense of ownership and responsibility towards problem solving




• This is an in-office role. The role will be based out of Upgrade’s Phoenix office. 

Benefits / Perks:

• COVID-19
• Our office space exceeds OSHA and CDC guidelines for workspaces amidst COVID-19. This is an in office job and work from home is not regularly offered.
•  Benefits, Perks & the fun stuff:
• Great OPEN office environment!
• Conveniently located in the heart of Downtown Phoenix
• Comprehensive benefits package: Medical, dental, vision, life insurance & disability
• Paid parking or platinum pass
• Close to light rail and public transportation
• New Hire Training Program
• Wellness Incentive Program
• Paid time off (PTO)
• Kitchen stocked with beverages, snacks & treats

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.