Senior Analyst, Fraud

Kiavi is one of the nation’s largest private lenders to residential real estate investors (REIs). We harness the power of data & technology to offer our customers a simpler, more reliable, and faster way to access the capital they need to scale their businesses. 

Formerly known as LendingHome, we’re committed to helping REIs revitalize the approximately $25 trillion worth of aged U.S. housing stock to provide move-in ready homes and rental housing for millions of Americans across the country.

Combining our technology and industry expertise, Kiavi has grown to a team of over 400 and has won many awards over the years including Forbes Fintech 50, Finovate Awards, Best Digital Mortgage Platform, Fast Company’s Most Innovative Companies, and many more. 

• Loans Funded: $27 billion in loans funded
• Homes financed: 100,000+ projects funded for our customers across the country
• Geography: 45 states + D.C. where we lend to REIs so they can revitalize neighborhoods
• Employees: Over 450 employees with competitive benefits and perks

This position can be based remotely in any of our approved hiring regions. Our hybrid distributed workforce philosophy allows us to find the best talent in the country and build diverse teams, while allowing our colleagues to work from the location that works best for them. 

The Team

Fraud sits within the Compliance Department, which is responsible for managing a wide variety of fraud and compliance matters for the company.

The Role

The Sr. Fraud Analyst is an integral role that will support fraud detection and fraud escalation.  The Sr. Fraud Analyst sits within the Compliance Department and reports to the Compliance Manager. The Sr. Fraud Analyst will be responsible for reviewing loan level fraud escalations and investigations.  Additionally, the Sr. Fraud Analyst will prepare and present fraud statistics, document fraud processes, assist with process automation, and provide annual and ad hoc fraud training. The Sr. Fraud Analyst may also assist with regulatory audits and inquiries and customer complaint investigations.

Responsibilities

• Work with cross-functional partners, including Sales and Operations, to investigate loan level fraud escalations
• Provide recommendations on potential fraud incidents, including whether to proceed with the funding of the loan
• Complete fraud reporting for committee meetings and ad hoc requests
• Monitor monthly fraud statistics and identify monthly and quarterly fraud trends
• Recommend changes to the control environment and fraud prevention strategies based off of fraud trends
• Document reports to regulatory agencies, as necessary
• Assist with fulfilling requests for external audits
• Lead the development and deployment of annual and ad hoc fraud training
• Maintain existing fraud policies and procedures and draft new policies and procedures as necessary
• Assist with the customer complaint investigation process
• Manage the company’s internal fraud lists 
• Identify opportunities for automation and efficiency improvements

Qualifications

• Bachelor’s degree required
• 3-5 years of fraud management experience 
• Mortgage experience a plus
• Demonstrated knowledge and application of laws and regulations including HMDA, ECOA, FCRA, and BSA/AML preferred 
• Ability to work with and communicate effectively with cross functional partners
• Ability to draft written summaries clearly synthesizing recommendations 
• Thrives in a constantly-evolving & fast-moving environment
• Ability to handle large volume of emails on a regular basis
• Ability to think critically and creatively to solve problems

Kiavi takes a market-based approach to pay, and pay may vary depending on your location. The expected annualized base pay range for this full-time role to be performed remotely is $82,000 to $120,000 base + 5% bonus + benefits. The range displayed on each job posting reflects the minimum and maximum target for new hire salaries. Within the range, the successful candidate’s starting pay will be determined based on job-related skills, experience, qualifications, work location, and market conditions. Your recruiter can share more about the specific base pay range for your preferred location during the hiring process. Please note that the pay range listed above reflects the base salary only, and does not include the target value of bonus, equity, or benefits.

Benefits and Perks 

• Medical, Dental, and Vis