Fraud Operations Specialist

New York City / Operations — Operations / Full-time
Who we are
Albert is a new type of financial service that uses powerful technology to automate your finances, with a team of human experts to guide you. Albert saves and invests automatically for you, helps you avoid overdrafts, finds savings you’re missing, identifies bills you’re overpaying, and much more. Text Albert a financial question, and our geniuses won’t just offer guidance — they’ll help you take action.

We're an LA-based startup with a proven business model, backed by top-tier institutional investors and with nearly 6 million users who have trusted Albert to help them achieve their financial goals. We're on a mission to democratize money management through our simple, beautifully designed product, and we're looking for thoughtful, talented people to join us on our journey.

About the role
We are looking for a Fraud Operations Analyst to join our team. As we scale our banking offering, Albert Cash, it is critical that we identify attempted fraud in a timely manner while delivering great experiences to our customers. You will be the point person for reviewing account activity for potential unusual patterns and driving follow-up action when fraud is detected. You will work to support a range of product features and transaction types, including reviews of mobile check deposits, check send transactions, direct deposits, linked external accounts, and other potentially unusual activity as needed.
Things you're good at
  • Attention to detail: You have an exceptional ability to identify small discrepancies or inconsistencies that can make the difference between catching a fraudster and alienating a loyal customer
  • Time management: Ability to focus, identify efficiencies, and allocate your time well
  • Investigation and judgment: You know the right things to look for, can recognize patterns, and develop the confidence to make independent decisions with real consequences for our customers and our business
  • Multi-tasking: An innate ability to multitask and juggle multiple workstreams simultaneously
  • Communication and collaboration: No decision is made in a vacuum - you have a knack for taking good notes and lean towards over-communicating when working with others
  • Drive: You are intensely focused on driving tasks to full resolution, and willing to go the extra mile when needed
  • Review document submissions (e.g., check images, account statements, etc.), identify potential fraud, and determine appropriate courses of action for these transactions
  • Ensure timely reviews across different transaction types within established time allotments to avoid poor customer experiences
  • Thoroughly document review decisions and communicate with Albert’s customer support, compliance, and operations teams to provide additional context on cases when needed
  • Recognize and communicate fraud patterns to other key internal stakeholders
  • Proactively identify opportunities to improve review efficiency without compromising accuracy
  • Create and maintain consistent internal guidelines for manual review processes, ensuring adherence to applicable compliance policies
  • Handle high volumes of inbound review tasks with exceptional time management and prioritization skills
  • Support other ad-hoc fraud prevention projects as assigned
  • B.A. or B.S. Degree required
  • 2+ year of experience in a role with significant review or customer support responsibilities
  • Demonstrated attention to detail
  • Basic knowledge of transaction channels (check, ACH, debit) and associated risks 
  • Self-starter that is comfortable in fast-paced environments and can set structure for themselves in the face of ambiguity
  • Experience analyzing, summarizing, and communicating findings drawn from facts while applying relevant regulatory guardrails
  • High levels of motivation, resilience, and enthusiasm 
  • Experience working at a financial services provider or in fraud prevention a large plus, but not required
  • Competitive salary and meaningful equity
  • Health, vision and dental insurance
  • Daily meals provided
  • Monthly wellness stipend
  • 401k match
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