Risk Investigator
Risk Investigator
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Job Description
At Koalafi we believe in a world where no one has to put an important purchase on hold. Thats why were making it easier for more people to pay for big purchases over time.
Retailers across the country rely on us to offer flexible lease-to-own financing to their non-prime consumers while increasing sales and strengthening customer loyalty. Their 2M customers love us because we provide a flexible way for them to make payments and give them an opportunity to improve their credit. Our 200 Koalafi teammates enjoy inspiring and challenging work that accelerates their careers.
Interested in learning more about how were transforming the financing experience and joining our team
What Youll Do:
Fraud is a fast-evolving challenge in the financial industryidentity theft alone accounts for an estimated $700 billion in annual losses. At Koalafi were on a mission to provide simple transparent point-of-sale financing that helps people get what they need while protecting the integrity of our platform.
As a Risk Investigator youll be at the heart of that mission. Youll play a critical role in protecting Koalafis customers merchant partners and business by identifying investigating and mitigating fraud riskswhile collaborating with teams across the company to make smart informed decisions in the face of complexity.
Monitor and investigate risk signals across both customer and merchant activity using tools like internal systems third-party platforms and open-source research.
Conduct onboarding reviews for new merchants identifying red flags or inconsistencies during due diligence.
Continuously monitor and assess merchant performance following up on signs of potentially fraudulent or abusive behavior.
Investigate applications flagged for fraud including synthetic or manipulated identities cases involving vulnerable individuals or misuse of trusted relationships.
Identify emerging fraud trends by spotting systemic patterns and proposing solutions or process changes to address them.
Manage inbound fraud claims with professionalism and empathy balancing customer care and risk mitigation.
Collaborate closely with partners across Sales Operations Fraud Analytics and Compliance to build a cohesive and informed response to complex fraud scenarios.
Document findings clearly and consistently contributing to team knowledge and process improvements.
Support ad hoc investigations into novel or unusual fraud risks that dont fit established patterns.
About You (Qualifications)
High school diploma GED or equivalent experience
2 years of fraud detection investigation or related experience
Strong attention to detail and pattern recognitionyoure energized by solving puzzles others might miss
A self-starter mindset with a strong sense of ownership
Comfortable navigating challenging conversations with merchants and partners
Proficiency in tools like Microsoft Excel and Word; familiarity with fraud databases or investigative platforms is a plus
Clear and concise communication skills both verbal and written
Collaborative spirit and ability to work cross-functionally
Commitment to confidentiality and a strong ethical compass
Flexibility to occasionally work evenings or weekends as fraud trends demand
- Location Requirement: This position requires regular in-person attendance at our office (Richmond VA). Candidates must already be located within a commutable distance to our office location as relocation assistance is not available at this time.
Bonus: Fluency in Spanish is strongly preferred
Why choose Koalafi: A career at Koalafi means opportunities to tackle exciting challenges every single day. We take pride in a culture of innovation trust and ownership. Youll get outside your comfort zone build meaningful relationships and most of all take charge of projects that ultimately help people get the things they need most.
Benefits:
At Koalafi you will have a direct impact on our products and help shape the companys success. We offer competitive compensation & benefits packages to keep you at your best:
- Comprehensive medical dental and vision coverage
- 20 PTO days 11 paid holidays
- 401(k) retirement with company matching
- Student Loan & Tuition Reimbursement
- Commuter assistance
- Parental leave (maternal paternal)
- Inclusion and Associate Engagement Programs
Who we are & what we value:
- We focus on whats most important
- We set clear expectations and deliver
- We embrace challenges to reach our full potential
- We ask How can this be better
- We move fast together
Employment Type
Full Time
