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 $33 billion in affordable and responsible credit to our 5.5M 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 1850 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 Fraud Recovery Specialist who is responsible for mitigating and recovering potential losses for Upgrade. As a Fraud Recovery Specialist, you will be working closely with customers, bank partners, merchants, and payment processors to file disputes and recover funds.
What You’ll Do:
- Review and triage accounts for suspicious activity and handle most aspects of the dispute lifecycle
- Apply analytical problem-solving skills to accurately identify issues and determining the best course of action
- Work closely with our partner bank to file disputes and recover fraud losses
- Identify new and emerging fraud trends and escalate findings to Management
- Understand the risks of AML and fraud typologies that are presented by Upgrade’s product offerings and services, including its loan and deposit products
- Work cross functionally with multiple departments
- Become an expert on our product and processes
- Bring a flexible mindset – you will be required to adopt to changing policy and procedures on a constant basis while maintaining a high quality to your work
- Provide exceptional external and internal customer service
- Meet or exceed production, quality, and customer service goals
- Punctual and consistent attendance is required. Must be available for overtime, holidays or weekend hours as needed
- Perform other related duties as needed
What We Look For:
- 1+ years experience in the banking, financial services, or a related industry
- Excellent verbal and written communication skills
- Excellent grammar and punctuation
- Ability to identify process improvements and make recommendations
- Strong problem solving and analytical skills
- Ability to thrive in a changing and fast-paced environment
- Proficient with Excel, Word, and Outlook
- Knowledge of Slack or other communication tools
Nice to Have:
- BA/BS or higher in related field
- Knowledge of Zendesk or other CRM applications
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
#LI-Onsite
For California residents: Upgrade's California Notice at Collection and Privacy Policy describes our practices regarding the collection, use, and disclosure of the personal information of job applicants.
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.
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What We Do
Upgrade helps customers move in the right direction with affordable and responsible financial products. Since 2017, we’ve helped over 7.8 million customers access over $47 billion in consumer credit. With a relentless focus on improving our customers' financial well-being, we build products that put more money in their pocket and support their journey toward a better financial future. We’re backed by some of the most prominent technology investors and were most recently valued at $7.3B. We’re consistently recognized for our innovative technology, rapid growth, and inclusive culture. Most recently, we were named one of the World’s Best Fintech Companies by CNBC, Best Places to Work by Built In, Best Places to Work by the San Francisco Business Times, Best Places to Work in Fintech by American Banker, Best Employer by Forbes, and America’s Greatest Workplaces by Newsweek. Our technology and products have also earned us spots on the World's Top 250 Fintech Companies by CNBC, Deloitte Technology Fast 500, and Fintech Breakthrough Awards. We’re looking for new team members who get excited about designing and delivering new and better products. Come join us and help build a better financial future for millions of people.
Why Work With Us
We’re consistently recognized for our innovative technology, rapid growth, and inclusive culture. Most recently, we were named one of the World’s Top Fintech Companies by CNBC, Best Places to Work by Built In, Best Places to Work by the San Francisco Business Times, Best Startup Employer by Forbes, and America’s Greatest Workplaces by Newsweek.
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