About Us:

Onmo believes that everyone has the right to access, understand and manage their money with confidence. Our ambition is to improve lives by providing better clarity, intelligence and technology to empower every individual in making the smartest financial decisions. We may be young but we have an incredible team in place and big ambitions for the years ahead.

We design our products to help demystify money matters wherever possible, providing customers with more financial control and flexibility in their lives. This helps them get more from what they have, or with smart decisions, make more of the same. It also means people spend less time with the negative aspects of money and more on the positive - enjoying what the world has to offer

About the Role:

Onmo is looking for a Fraud and Financial Crime Investigator to assist in giving our
business’s fraud team additional defence in mitigating the risks of Fraud and Financial
Crime to Onmo and our Customers.

The Fraud and Financial Crime Investigator will deal with various queries relating to
fraud and financial crime at the application stage and throughout the entire customer
lifecycle.

Responsibilities:

• Efficiently work referrals into the Fraud Team coming both from applications and
  in-life accounts in line with current standards
• Conduct objective, fair and timely investigations into potential fraud and
  financial crime instances to ensure that the interests of both Onmo and our
  genuine customers are satisfied
• Use industry prevention/mitigation tools and systems e.g. Cifas, CrossCore etc.
  to assist investigation and decision-making
• Deal with customer disputes in relation to activity on their account and see them
  through to the correct resolution
• Act decisively to minimize the financial impact of fraud on victims and Onmo and
  maximise the chance of recovery where appropriate
• Submit accurate and comprehensive reports of fraud to relevant external parties
  that Onmo use including, but not limited to, Cifas and law enforcement.
• Remain up-to-date with the latest trends and typologies within the industry, be
  able to apply them to your day-to-day work and use them to recommend
  enhancements to existing processes
• Support the Head of Fraud and Financial Crime as required in the development
  of fraud policies and procedures - suggest improvements to ensure they are
  effective and up-to-date

About You:

Skills & Attributes:

• An understanding of Fraud & Financial Crime risks
• An understanding of a variety of fraud types and how to handle them
• A keen eye for, and persistence in, identifying crucial information not always
  readily available or obvious in the scenarios presented to you
• An ability to use varied tools and research methods to assist in reaching a
  considered judgement.
• Ability to work effectively and empathetically with both customers and internal
  stakeholders
• An understanding of the rules around Fraud and Financial Crime in a regulated
  environment
• Team oriented with a collaborative approach while able to work with initiative
  where appropriate
• Well-organised with good time-management skills

Qualifications & Experience

• 4+ years of experience in a similar Fraud or Financial Crime role
• Working experience of general business tools (e.g. Microsoft Office)
• History in working chargebacks, disputes and refunds is preferred, but not
  required.
• Proficiency in working with SQL and large data analysis is preferred, but not
  required.