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- Tasks: Investigate fraud cases and protect customers from financial crime.
- Company: Onmo, a young and ambitious fintech company focused on empowering financial decisions.
- Benefits: Competitive salary, flexible working hours, and opportunities for professional growth.
- Why this job: Join a dynamic team making a real difference in people's financial lives.
- Qualifications: 4+ years in fraud investigation and strong analytical skills.
- Other info: Collaborative environment with a focus on innovation and customer care.
The predicted salary is between 36000 - 60000 £ per year.
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 design our products to help demystify money matters wherever possible, providing customers with more financial control and flexibility in their lives.
Onmo is looking for a Fraud and Financial Crime Investigator to assist in giving our business’s fraud team additional defense 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.
At Onmo we all take collective responsibility for our individual roles in creating the best outcomes for our customers. In this role that involves:
- Identifying and raising risk events in a timely manner when spotted.
- Keeping up to date with changes in relevant regulatory rules.
- Following the FCA Conduct Rules:
- You must act with integrity.
- You must act with due skill, care and diligence.
- You must be open and cooperative with the FCA, PRA and other regulators.
- You must pay due regard to the interests of customers and treat them fairly.
- You must observe proper standards of market conduct.
- 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.
- Team oriented with a collaborative approach while able to work with initiative where appropriate.
- Well-organised with good time-management skills.
- 4+ years of experience in a similar Fraud or Financial Crime role.
- An understanding of Fraud & Financial Crime risks.
- An understanding of a variety of fraud types and how to handle them.
- An understanding of the rules around Fraud and Financial Crime in a regulated environment.
- 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.
Fraud and Financial Crime Investigator in City of London employer: Onmo
Contact Detail:
Onmo Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Fraud and Financial Crime Investigator in City of London
✨Tip Number 1
Network like a pro! Reach out to people in the industry, attend events, and connect on LinkedIn. You never know who might have the inside scoop on job openings or can put in a good word for you.
✨Tip Number 2
Prepare for interviews by researching Onmo and its mission. Understand their approach to fraud and financial crime, and think about how your skills can contribute to their goals. Show them you’re not just another candidate!
✨Tip Number 3
Practice your responses to common interview questions, especially those related to fraud investigation. Use the STAR method (Situation, Task, Action, Result) to structure your answers and highlight your experience effectively.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen. Plus, it shows you’re genuinely interested in being part of the Onmo team.
We think you need these skills to ace Fraud and Financial Crime Investigator in City of London
Some tips for your application 🫡
Show Your Passion for Financial Integrity: When you're writing your application, let your enthusiasm for tackling fraud and financial crime shine through. We want to see that you genuinely care about helping customers and making a difference in their financial lives.
Be Specific About Your Experience: Make sure to highlight your relevant experience in fraud investigation or financial crime roles. Use specific examples to demonstrate how you've successfully handled similar situations in the past, as this will help us see how you can contribute to our team.
Tailor Your Application to Onmo: Take a moment to research Onmo and our mission. Tailor your application to reflect how your values align with ours, and how you can help us empower individuals to manage their money better. This personal touch can really make your application stand out!
Keep It Clear and Concise: While we love a good story, make sure your application is clear and to the point. Use straightforward language and avoid jargon where possible. This will help us quickly understand your qualifications and fit for the role.
How to prepare for a job interview at Onmo
✨Know Your Fraud Basics
Before the interview, brush up on the different types of fraud and financial crime. Understand the latest trends and tools like Cifas and CrossCore. This knowledge will show that you're not just familiar with the role but also passionate about staying ahead in the industry.
✨Prepare Real-Life Examples
Think of specific instances from your past experience where you successfully identified or mitigated fraud. Be ready to discuss your thought process and the tools you used. This will demonstrate your practical skills and how you can apply them at Onmo.
✨Show Empathy and Communication Skills
As a Fraud and Financial Crime Investigator, you'll need to work closely with customers and internal teams. Prepare to discuss how you've handled customer disputes in the past, focusing on your empathetic approach and effective communication. This will highlight your ability to balance investigation with customer care.
✨Ask Insightful Questions
At the end of the interview, have a few thoughtful questions ready about Onmo's fraud policies or how they stay updated with regulatory changes. This shows your genuine interest in the company and the role, and it gives you a chance to assess if Onmo is the right fit for you.
