Fraud Specialist

| Austin | Remote
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About the job

Self Financial is a venture-backed, high-growth FinTech company with a mission to increase economic inclusion and financial resilience by empowering people to build credit and build savings.

 

We're looking for people who share our passion and are driven to tackle challenges, find solutions and make the financial space better for the communities we serve.

 

Our team is passionate about challenging the status quo of the credit industry by providing people accessible tools to take control of their credit. Executing our mission requires deep collaboration across our teams to ensure our products reach the people who can benefit from them the most, particularly the 100 million+ Americans who have no or low credit.

 

We're looking for people who share a passion for our mission and relate to why we do what we do. At Self, we want to work with people who are driven to tackle challenges, bring unique perspectives, find solutions, and help make the financial space a better place for our consumers. We recognize that it takes different people and personalities to make our products – and our company – truly great. We only seek the best.

If you are equally passionate as we are, we want to chat with you.

 

About the Role:

Self is building a community of people who are looking to better their lives by building a credit history. You will join our Fraud Investigation team and be responsible for daily operational workflows supporting document reviews, fraud investigations, and customer verification. You will be challenged to use judgment to make decisions that will detect and mitigate fraud. You will be researching credit card transaction fraud claims to determine the validity of the claim and use network processing rules to determine chargeback rights. You will be empowered to tackle incoming transactional tasks daily to help our company scale.  

 

Responsibilities may evolve within the above description as you become more senior in the role. 

 

Responsibilities:

  • Complete daily operational investigation tasks; including incoming document reviews and customer verifications.
  • Monitor internal channels for prioritized workflows
  • Investigate accounts to detect and mitigate losses both external and internal
  • Analyze statistical data on accounts
  • Understand and ensure compliance with Reg Z and all payment network chargeback rules
  • Make outbound contacts to customers and merchants to further investigate claims
  • Process fraud and non-fraud dispute claims through network processing rules 

 

 Qualifications:

  • 2+ years of experience in credit card investigations, fraud, payment risk, document verification, or KYC reviews (required)
  • 2+ years of Visa/Mastercard dispute and fraud chargeback processing (required)
  • Exceptional communication skills and experience in customer-facing interactions
  • 1+ years working remotely
  • High EQ and ability to build rapport with team members
  • Ability to adapt to change in a fast-paced environment and make judgmental business decisions with minimal need for managerial support
  • Strong technical skills and knowledge of common rules such as Regulation Z, Visa & Mastercard chargeback rules

 

Personality Traits:

  • Enjoys tackling repetitive tasks and offering ideas for process improvement
  • Ability to work both independently and on a small team with minimal supervision
  • Brings high energy and interest to customer inquiries and remains calm under pressure 
  • Strong written, verbal, and organization skills
  • Can join team culture and build rapport remotely

 

Benefits and Perks:

We have the compensation and benefits you expect. But, there's one thing that Self Financial can offer that many startups cannot: we can positively change the world while making a profit. We are a team of Builders, empowering our customers to build their dreams. We have a Do the Right Thing ethos in all that we do, and we hope you value that approach, too. 

 

Our perks include:

  • Stock options
  • Quarterly performance-based bonuses
  • Generous employer-paid health, vision, and dental insurance coverage
  • Flexible vacation policy
  • Educational assistance
  • Free gym membership
  • Free at-home workout through Sworkit
  • Casual dress code
  • Team building events and activities
  • Remote work arrangements/ flexible work schedule
  • Monthly $100 COVID stipend

 

Self Financial requires all employees hired to successfully pass a background check.

 

We are an Equal Opportunity Employer.

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Technology we use

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Location

Our company is in the heart of downtown Austin overlooking the world-famous sixth street district and the Texas State Capitol building.

An Insider's view of Self Financial

What’s the vibe like in the office?

We are constantly growing and facing new challenges, but everyone works well together. Our company events are always fun and a good way to get to know each other better. We are a very tight-knit group, and I wouldn't have it any other way!

Joanna

Customer Success Team Lead

What projects are you most excited about?

The best part about being at a company at this stage is being able to build data infrastructure and marketing programs from the ground up. I'm most excited to build out our entire retention marketing strategy to drive increased user engagement. We're utilizing a great growth automation system that allows us to do some really cool things.

Tim

Director of User Acquisition

How has your career grown since starting at the company?

Since joining Self, I've had the opportunity to develop my skills in both our frontend and backend repos. I've also learned a lot about working together with stakeholders to create new features or resolve bugs. I definitely feel like a stronger engineer having worked on this team and learning so much from my colleagues about maintainable code.

Kristin

Software Engineer

What is your vision for the company?

Most financial institutions cast aside those considered low-to-moderate income. We help people with fundamental aspects of financial health – building credit, using it wisely and saving money. My goal is to continue building a company of highly talented and collaborative people driven by a mission of helping people achieve financial stability.

Brett

Chief Marketing Officer

How do you collaborate with other teams in the company?

As a fast paced work environment, collaboration is key. It’s great to work with people who are willing to help each other out. If you have a question, it’s as easy as walking to their desk to ask!

Jorge

Compliance Manager

What are Self Financial Perks + Benefits

Self Financial Benefits Overview

We're located in downtown Austin with a direct view of the Capitol! Being in the heart of the action creates an exciting place to grow the company and make a huge impact for our customers.

Culture
Partners with Nonprofits
Friends outside of work
Eat lunch together
Intracompany committees
Daily sync
Open door policy
Team owned deliverables
Team based strategic planning
Group brainstorming sessions
Pair programming
Open office floor plan
Diversity
Dedicated Diversity/Inclusion Staff
Unconscious bias training
Diversity Employee Resource Groups
Hiring Practices that Promote Diversity
Health Insurance & Wellness Benefits
Flexible Spending Account (FSA)
Disability Insurance
Dental Benefits
Vision Benefits
Health Insurance Benefits
Life Insurance
Wellness Programs
Onsite Gym
Team workouts
Retirement & Stock Options Benefits
401(K)
Company Equity
Equity Incentive Plan
Performance Bonus
Child Care & Parental Leave Benefits
Generous Parental Leave
Flexible Work Schedule
Remote Work Program
Our remote work program includes work from home full-time remote for specific positions.
Family Medical Leave
Return-to-work program post parental leave
Vacation & Time Off Benefits
Unlimited Vacation Policy
Paid Holidays
Paid Sick Days
Perks & Discounts
Casual Dress
Company Outings
Stocked Kitchen
Some Meals Provided
Happy Hours
Pet Friendly
Relocation Assistance
We offer relocation assistance to new employees.
Fitness Subsidies
We offer gym membership for employees.
Home Office Stipend for Remote Employees
Covid Stipend
Professional Development Benefits
Job Training & Conferences
Self offers employees professional development opportunities like an annual individual budget for training.
Tuition Reimbursement
Diversity Program
Lunch and learns
Cross functional training encouraged
Promote from within
Mentorship program
Our mentorship program includes 1-to-1 program, leadership mentoring.
Continuing Education stipend
Time allotted for learning
Online course subscriptions available
Paid industry certifications
We offer paid industry certifications for specific positions at Self.
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