Fraud Analyst

2+ years of fraud experience in a financial institution, or equivalent experience in underwriting, KYC, or identity verification.

Demonstrated ability to identify fraud patterns including synthetic identities, first-party misrepresentation, and account takeover.

Exposure to organized fraud ring investigations or synthetic identity bust-out detection.

Broad knowledge of fraud detection tools such as Oscilar, Lexis Nexis, TLO and financial services platforms

Background in financial services or consumer lending fraud environments.

Cyber Fraud Experience

Generous medical, dental, and vision insurance options

Eligible for Annual Bonus

401k Plan with a matching contribution

Generous PTO including sick leave, vacation, volunteer, and more

12 Weeks Paid Parental Leave

Company-paid short & long term disability and life insurance

The Fraud Analyst plays a critical operational and compliance role in detecting and disrupting fraudulent loan applications before they become losses.

You will join a high-velocity team responsible for identifying and mitigating identity theft, synthetic fraud, first-party misrepresentation, and money laundering across our applicant funnel.

This role directly protects Happy Money and its lending partners from monetary and reputational harm.

You’ll work closely with automated fraud detection systems alongside investigative tools to evaluate complex, high-risk applications.

It requires investigative instinct, sound judgment under pressure, and a genuine drive to stay one step ahead of increasingly sophisticated fraud typologies.

Independently review flagged loan applications identified by automated detection systems and manual underwriter referrals, applying discretion to evaluate complex, incomplete, or contradictory information across 40+ daily reviews.

Happy Money is a consumer finance company that empowers people to achieve their goals through simple, transparent loans funded by trusted financial institutions. Through its proprietary lending platform, Hive, Happy Money delivers a fully digital experience that simplifies borrowing for consumers and helps credit unions, banks and asset managers diversify balance sheets and scale with confidence.

Happy Money’s end-to-end loan origination and participation programs provide partners with turnkey access to high-performing assets, underpinned by disciplined credit expertise and robust risk management. Together with its lending partners, Happy Money has originated more than $6.5 billion in loans to help nearly 350,000 people take greater control of their financial futures. Learn more at happymoney.com. View our

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