AI Governance SME executing governance, risk, and control activities for artificial intelligence in leading financial institution. Collaborating to develop standards and ensure compliance in evolving tech landscape.
About the role
- Identity Risk & Fraud Analyst analyzing applicant identity data and detecting fraud patterns to ensure secure lending processes. Collaborating with analytics, engineering, and compliance teams to enhance fraud detection.
Responsibilities
- Analyze applicant identity data and digital verification results (e.g., Persona checks, document images, device and IP data) to detect fraud or synthetic identity patterns.
- Develop and maintain fraud risk rules, thresholds, and alerts in collaboration with analytics and engineering teams.
- Conduct deep-dive investigations on suspicious identity clusters or behavioral anomalies.
- Support continuous improvement of fraud detection models, providing feedback on false positives and emerging trends.
- Partner with Underwriting and Risk teams to evaluate identity risk impact on loan performance and recommend mitigation strategies.
- Perform root-cause analysis of confirmed fraud cases to identify missed signals and propose system refinements.
- Track and monitor identity verification accuracy, fraud loss rates, and system performance metrics.
- Act as the subject matter expert (SME) for identity verification tools such as Persona, optimizing configurations, workflows, and rule logic.
- Collaborate with Compliance and Operations to ensure KYC, AML, and identity verification processes meet regulatory standards.
Requirements
- Bachelor’s degree in Business, Data Analytics, Risk Management, or a related field.
- 1–3 years of experience in fraud risk management or identity verification analytics, ideally within fintech, lending, or banking.
- Hands-on experience with identity verification platforms (e.g., Persona, Alloy, Socure, Onfido, etc.).
- Strong analytical background with proficiency in SQL, Python, or similar tools is a plus.
- Familiarity with credit bureau data, alternative data, and identity validation methodologies.
Benefits
- Health insurance
- Professional development opportunities
- Flexible work arrangements
Job title
Job type
Experience level
Salary
Not specified
Degree requirement
Tech skills
Location requirements
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