Job Description
Job Description
Stellantis Financial Services (SFS) is the new captive finance company for one of the world's leading automakers and a mobility provider with iconic brands including Abarth, Alfa Romeo, Chrysler, Citroën, Dodge, DS Automobiles, Fiat, Jeep®, Lancia, Maserati, Opel, Peugeot, Ram, Vauxhall, Free2move and Leasys.
Our exciting growth provides opportunities to advance your career as we successfully lead products and services from a small to midsize company in just a few years. Join our world class team and culture and contribute to our core mission which is enhancing our customer's experience.
Position Summary:
The Senior Fraud Investigator role supports the Stellantis Financial Services' Fraud Investigations team by investigating and analyzing potential fraudulent activity on consumer accounts. This role involves identifying risks related to money laundering, terrorist financing, and other suspicious activities that threaten the company’s interests while supporting the coordination of the repurchase demand process. This role will collaborate with various business units and subsidiaries to understand client relationships and assist in investigative tasks.
Essential Duties and Responsibilities:
- Prepare professional repurchase demand letters, clearly outlining specific contract breaches, documentation errors, or compliance violations.
- Conduct timely, comprehensive investigations by utilizing customer identification information, occupation, line of business, income methods, transaction activity and other information to confirm facts and support investigative findings.
- Input data and information into a centralized database to track and maintain all repurchase activities, generating detailed reports for the organization.
- Analyze all documents and verifications associated with loans provided by business partners (dealerships) to verify the legitimacy of the documentation and accuracy of verifications conducted by both the dealership and Stellantis Operations teams prior to completing the business transaction.
- Document and produce detailed narratives summarizing investigative results for ID theft complaints, suspicious activity referrals, and other alerts.
- Collaborate with representatives from other departments within the company as needed to gather additional information to assist with investigations.
- Perform a review of funded loans to determine if there are fraud indicators present and then work to validate or disprove fraud, through the use of vendor-provided software or internal reporting tools, when possible.
- Create, update, and maintain documents critical to Fraud Management.
- ?Ensure the confidentiality of personal consumer information, including, but not limited to, Social Security numbers and date of birth.
- Other duties may be assigned.
Qualifications and Competencies Required To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.
Required Experience:
- Minimum 4 years’ experience in the financial services industry in a fraud investigation or similar work-related role.
Education:
- High school diploma and/or GED
Skills Required:
- Identify patterns and trends in repurchase behavior to inform business decisions.
- Strong attention to detail and skills to protect the company from potential fraud risks.
- Demonstrate research, deductive problem solving, and analytical skills.
- Excellent verbal and written communication skills, ability to seek out improvement ideas.
- Understanding of automotive financing principles, strategies, systems, and processes.
- Proven ability to collaborate effectively with diverse teams and stakeholders across multiple organizational levels.
- Commitment to excellence –quality driven
- Demonstrated ability to integrate information from multiple sources, effectively managing varying levels of complexity.
- Intermediate MS Office skills in Excel, Access, Word, and PowerPoint.
Overtime required – required on an as needed basis.
Travel 0-10% - as required on an as needed basis.
Must have reliable transportation and live within a commutable distance to one of the following cities: Atlanta, GA; Houston, TX.
Qualifications Preferred:
- Education- Bachelor’s degree in Criminal Justice, Finance, or related field.
- Experience – 3 years’ captive auto finance experience.
- Certification- Certified Anti-Money Laundering Specialist (CAMS) or Certified Fraud Examiner (CFE).
- Skills- Comprehensive knowledge and understanding of financial industry regulations, and laws, including, but not limited to Anti-Money Laundering (AML), Fair Debt Collections Practices Act (FDCPA), Graham Leach Bliley Act (GLBA), Fair Credit Reporting Act (FCRA), Equal Credit Opportunity Act (ECOA), & Consumer Financial Protection Bureau (CFPB) Supervision.
Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this Job, the employee is regularly required to sit; use hands to finger, handle, or feel; reach with hands and arms and talk or hear. The employee is occasionally required to stand; walk and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision.
Work Environment The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate.
Work Schedule This position is a hybrid role, requiring in-office presence two days per week, with a minimum of two days per month. The role also requires flexibility to work various shifts to meet business needs, typically between the hours of 8:00 AM and 6:00 PM, Monday through Friday, with occasional weekend availability as needed. Travel requirements are estimated at 0–10%.
Stellantis Financial Services, Inc (SFS) is an equal opportunity employer and is committed to providing its employees an environment that is free of harassment, discrimination, and intimidation. It is the policy of SFS to comply with all applicable employment laws and regulations and to provide equal opportunity for all qualified persons and to not discriminate against any employee or applicant for employment because of race, color, religion, sex, age, national origin, disability, pregnancy, sexual orientation, veteran status, gender identity or expression, change of sex, and/or transgender status or any protected status. Candidates must possess authorization to work in the United States. This policy applies to recruitment and placement, promotion, training, transfer, retention, rate of pay and all other terms and conditions of employment. Employment and promotion decisions will be based solely on merit, ability, achievement, experience, conduct and other legitimate business reasons.