Credit Fraud Investigations Specialist

About Us At Félix, we’re building the financial ecosystem for Latin immigrants in the U.S., starting with a revolution in remittances. Our core product is an AI‑powered chatbot built on WhatsApp, allowing our users to send money home as easily as sending a text message. We leverage cutting‑edge technology like AI, blockchain, and stablecoins to make cross‑border payments faster, more affordable, and more accessible than ever before. We are a hyper‑growth Series B company, backed by over $100 million in funding from top‑tier global investors, including QED, Castle Island, Switch Ventures, HTwenty, Monashees, and General Catalyst Customer Value Fund. This isn’t just about the numbers; it’s a testament to the trust our investors have in our vision and our team. Additionally, Félix was selected as an “Endeavour Entrepreneur” and was a recipient of the CrossTech Fintech Startups Award. We are a group of extremely talented and dedicated high‑performers, united by our shared obsession with a single goal: empowering our customers. We are all owners of Félix, driven by a bias for action and a true experimentation spirit to get shit done with urgency and focus. Joining Félix means you will be part of a team building a legacy, a company that will outlive us all. This is a rare opportunity to apply your skills to a deeply meaningful mission—serving a community that has been underserved for too long. We are a team that is fiercely loyal to each other, where radical transparency and constructive feedback are how we grow and push for excellence. We are bold, we care less about what others are doing, and more about creating sustainable value and a product that truly makes our users’ lives better. We are building the future, today. About the Role As a pivotal member of our Lending Fraud Operations team, you will have the unique opportunity to make your mark on the core of our lending business by driving critical processes that safeguard our platform and its users from financial crimes related to loan origination, account servicing, and debt collection. In this role, you will work at the intersection of data analysis, risk management, and operational excellence to detect, investigate, and mitigate fraudulent activities specifically targeting our loan portfolio. Your insights and strategic actions will directly influence our ability to prevent fraud losses, enhance user trust, and streamline our lending fraud prevention tools and models. This position offers the chance to collaborate cross‑functionally, innovate within evolving challenges, and make a lasting impact on the security and financial health of our growing lending platform. To be successful, you must be dynamic, autonomous, collaborative, and inquisitive as we refine fraud detection strategies, enhance existing processes, and build out our fraud operations framework to protect millions of users and our capital from synthetic identity, first‑party fraud, account takeover (ATO), and fraudulent applications. You will play a key role in shaping and evolving our fraud prevention platform, ensuring we stay ahead of emerging threats while fostering a secure and trusted experience for all. Responsibilities Conduct Lending Fraud Investigations: Lead in‑depth investigations into suspicious loan applications, funding events, and repayment activities. Identify potential fraud rings, patterns of abuse, and points of compromise, ensuring swift resolution to minimize credit and fraud losses. Analyze Application and Transaction Data: Review and verify customer documentation and data points during the loan underwriting and onboarding processes. Utilize internal tools to analyze transaction histories and behavioral data to make informed decisions on fraud alerts. Manage Account Takeover (ATO) Risk: Proactively identify and manage risks associated with unauthorized access and changes to existing customer loan accounts. Implement and execute recovery processes for compromised accounts. Collaborate with Cross‑functional Teams: Work closely with Credit Risk, Loan Underwriting, Collections, and Compliance teams to provide timely resolutions to fraud‑related incidents and ensure alignment on fraud prevention initiatives specific to the lending lifecycle. Support Operational Improvements: Assist in developing and refining fraud detection rules, workflows, processes, and operational procedures to increase efficiency and response times, particularly for high‑volume loan applications. Requirements Education: Recent graduate with a degree in Business, Finance, Economics, or a related field, or equivalent relevant experience. Experience in Financial Services: Have basic knowledge or prior experience in consumer lending, banking, fintech operations, or a remittance/payments industry role with a focus on fraud or risk. Fraud Tools/Systems Knowledge: Basic experience or strong willingness to learn fraud monitoring/case management tools (e.g., Lucinity, NICE Actimize, custom‑built systems) and KYC/KYB/Identity Verification (IDV) procedures. Fluent in English (oral & written) Experience with G Suite or Microsoft Office products (especially strong in spreadsheets/Excel). Operational Availability: Open to working on weekends and various schedules to support 24/7 fraud monitoring needs. Skills: Good communication skills, a proactive and detail‑oriented mindset, and the ability to adapt to a fast‑paced environment. These are the applicable requisites, although equivalent competencies in any of the above will also be considered. What We Offer Gross Monthly Salary: $21,500 MXN IMSS, Infonavit, year‑end bonus (aguinaldo) Above‑the‑Law Benefits: Includes Performance Bonus, Food and Wifi Vouchers (Vales de Despensa y Teletrabajo), full access to Udemy License and 5 extra days of PTO (Paid Time Off). Wellness & Medical Program Fully remote work model. Clear and empowering opportunities for professional advancement in a dynamic, entrepreneurial environment. A collaborative culture defined by transparency, agility, and customer‑centricity. Equal Opportunity Employer At Félix, we are committed to providing equal employment opportunities to all qualified employees and applicants without regard to race, religion, nationality, sex, sexual orientation, gender identity, age, or disability. This policy applies to all terms and conditions of employment, including recruitment, hiring, placement, promotion, training, compensation, benefits, and termination. Want to learn more about our privacy practices? Check out our Privacy Policy. #J-18808-Ljbffr