Happy Money

Analyst

• Independently review flagged loan applications identified by automated detection systems and manual underwriter referrals, applying discretion to evaluate complex, incomplete, or contradictory information across 40+ daily reviews.
• Maintain detailed fraud case documentation and tracking to support auditability and reporting.
• Perform comprehensive fraud investigations by analyzing income and identity documentation, integrating third-party identity verification data to validate applicant authenticity and detect potential risk signals.
• Monitor real-time application queues using investigative tools; make informed disposition decisions based on evolving fraud typologies and risk signals.
• Investigate high-risk applications by navigating multiple internal and external systems to cross-reference data, including customer behavior patterns, IP addresses, and geolocation data.
• Ensure timely, compliant resolution of high-risk applications in accordance with service level agreements, balancing efficiency with the need for distinct, thorough risk evaluation in each case.
• Conduct daily reviews of funding accounts to identify potential fraud, misrepresentation, or customer service concerns, and escalate urgent issues to management.
• Identify and interpret patterns indicative of organized fraud rings or synthetic identities; escalate to senior analysts or management with documented findings and procedural or system enhancement recommendations.
• Works on fraud-related projects as assigned by management.
• Demonstrates working knowledge of a broad regulatory framework including Reg E, Reg Z, FCRA, NACHA, OFAC, TCPA, and UCC, ensuring all fraud investigations and communications remain fully compliant.
• Support BSA/AML compliance obligations including recognition of potential money laundering indicators; assist with SAR filing processes where applicable and in coordination with Compliance.
• Contribute to the continuous improvement of fraud detection logic by surfacing emerging typologies and operational gaps identified during case review.
• Actively works to reduce false positives and improve operational efficiency through procedural recommendations.
• Work alongside internal and BPO teams to achieve department goals.

Fraud Analyst

• Own portfolio performance analytics including cohort-level analysis, credit attribute segmentation, prepayment behavior, loss trend monitoring, and collateral performance forecasting — synthesizing findings into actionable recommendations for transaction structuring and investor conversations
• Build, maintain, and improve reporting infrastructure supporting investor transparency, rating agency packages, internal capital planning, and facility compliance monitoring — ensuring accuracy and timeliness with increasing independence
• Support the structuring, negotiation, and execution of capital markets transactions including forward flow agreements, warehouse credit facilities, and asset-backed securitizations, with growing ownership of defined workstreams
• Prepare and deliver investor diligence materials, data packages, and portfolio performance reports, serving as a knowledgeable point of contact for routine investor inquiries and data requests
• Monitor warehouse facility utilization, covenant compliance, and performance triggers across active credit facilities, flagging issues proactively and recommending actions within established frameworks
• Coordinate investor due diligence processes, managing timelines, tracking deliverables across internal teams, and ensuring a seamless experience for institutional counterparties
• Collaborate cross-functionally with Credit & Risk, Product, Engineering, Legal, Accounting, and Servicing to ensure data integrity, operational alignment, and seamless transaction execution

Fraud Analyst

Senior Capital Markets Analyst