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Who we are 

M1 Finance has created a personal wealth-building platform made for the modern era, uniting personal perspective and automated ease. We seamlessly combine free investing, low cost borrowing and digital checking all in one intuitive, automated Finance Super App, and we’re driven by a mission to empower personal financial well-being. We believe that financial well-being is fundamental to overall well-being, and we strive to deliver products that are simpler, smarter, and stronger than those created by our staid, boring, entrenched, slow-moving competitors in the personal finance industry  

Our clients have already trusted us with over $2 billion of assets, we’re currently helping more than 500,000 people grow and manage their wealth with our industry leading automation and tools, and we’re adding thousands of new clients every day.  

We’re looking for passionate people who want to improve and build on what we’ve created and take responsibility to help others build something meaningful and sustainable for their futures.   

We mean it when we say. “M1 is yours to build. 

If this sounds interesting to you, we’d love to have you read on. 

What we’re looking for 

Like all Financial Institutions, fraud is something that M1 encounters regularly and is a high priority for the organization. As an M1 Fraud Analyst, you will become an expert in how fraud is mitigated and controlled within our banking and brokerage products. Your deep understanding will allow you to create new processes which includes evaluating and implement new technology to help prevent fraud. You may be asked to conduct ad hoc analysis to evaluate existing processes and recommend new strategies.  You will also be responsible for identifying fraudulent actors, identifying and implement gaps in our fraud protection plan.

We are looking for someone who can build our fraud program from a clean slate. You’ll play a major role in our operations, as well as help the organization scale our processes as we grow. This is a highly visible role, so there will be opportunity to grow, work directly with leadership, and use your subject matter expertise to implement a fraud program that will bring M1 into the next level of personal finance.

What you’ll do:

  • Analyze fraudulent account behavior, transactions, and trends to determine root cause of losses
  • Provide detailed reporting to the leadership team identifying your findings and recommendations
  • Work with cross-functional teams across the company to identify gaps and develop and implement strategies to overcome challenges
  • Interface with clients in order to better understand, assess, and prohibit fraudulent activities
  • Work with the customer support and operations teams to define efficient processes and systems to resolve issues quickly

Desired Skills:

  • +2 years in a banking or brokerage fraud role or experience in analytics or related field
  • Experience in working with relational databases – SQL, preferred
  • Ability to execute on programs and projects with minimal resources
  • Ability to provide a high-level of detail and summarize when necessary
  • Ability to be extremely focused on data and analytics to solve problems and have a track record of driving results through continuous improvement
  • Exceptional communication skills
  • Ability to work individually and within a team

Our Values 

Our team embodies our eight core principles and if these principles speak to you – we’d love to talk with you.  

  • Mission Driven: We will passionately apply ourselves to deliver immense value to our customers, knowing if they succeed, so too will the company 
  • Extreme Ownership: We think and act like owners. Our focus is building long-term value, not scoring short-term marks. We own everything in our domain, including the outcome and everything that affects it 
  • Boldness: We want to do things of consequence. Make a difference. We would rather fail at something meaningful than succeed at something trivial 
  • Bias for action: The best way to make progress is to act 
  • Economical: Efficiency is important, and we consider both the costs and benefits to our actions 
  • Team oriented: In working together, we maintain low ego, make everyone feel welcome, assume good intent, trust one another, and seek out different perspectives. We empower our teammates to be at their best.  
  • Challenged, but not overwhelmed: We are curious people who always want to grow. Growth happens outside our comfort zone. We achieve our potential through consistent, manageable growth 
  • Integrity: We do the right thing. When we make mistakes, we own and correct them. We would be proud if our actions are shared with our family, friends, and strangers. Everyone can count on us to act according tour values, beliefs, and principles we state we hold. This trust must never be broken.  

Our Perks 

  • Unlimited PTO 
  • Comprehensive health, dental, vision, disability, and life insurance 
  • Stock options for all employees 
  • Retirement benefit with employer match 
  • $500 to spend on home office equipment while working from home 
  • Stylish M1 swag 
  • Socially distant team outings, celebrations, and events 
  • Transparent and open communication 
  • Office in the Loop with a Game Room and Gym 
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Technology we use

  • Engineering
    • PythonLanguages
    • ScalaLanguages
    • SqlLanguages
    • SwiftLanguages
    • ReactLanguages
    • NodeJSLanguages
    • KotlinLanguages

Location

The M1 office is centrally located in Chicago's Loop, with easy access to public transportation and plenty of bars and restaurants nearby.

An Insider's view of M1 Finance

What’s the vibe like in the office?

Laid back but very energetic at the same time. We're always working on the next product update, the next campaign, and while it can be a bit demanding, every team is good about providing flexibility and we celebrate all successes together.

Catalina

Art Director

How do you collaborate with other teams in the company?

Open communication and collaboration welcome at all times. We're always looking for ways to harness each other's expertise so that the whole is greater than the sum of the parts.

Patryk

Digital Marketing Specialist

What makes someone successful on your team?

We look for people who are smart, ambitious, hard-working, and friendly.

Steven

VP of Engineering

What is your vision for the company?

M1 Finance should functionally change the way we manage our personal finances.

Steven

VP of Engineering

How do you empower your team to be more creative?

M1 has a mountain to climb, and we are always looking for more solutions. Any person on my team is empowered to come up with those solutions

Steven

VP of Engineering

What are M1 Finance Perks + Benefits

M1 Finance Benefits Overview

A great product is the result of a talented team and strong work culture. At M1, our philosophy is to hire unbelievably intelligent, motivated, high-integrity individuals and promote an environment that enables their best work.

Our company’s culture reflects what creative, intelligent people value in their careers: meaningful and interesting work, a fun environment, and financially rewarding opportunities.

https://www.m1finance.com/about/culture

Culture
Volunteer in local community
M1 sponsors volunteer opportunities in the Chicago community each quarter, which allows us to give back, bond as a team, and spend time doing things that are important to the employees of M1.
Friends outside of work
Eat lunch together
Open door policy
Team owned deliverables
Team based strategic planning
Group brainstorming sessions
Pair programming
Open office floor plan
Health Insurance & Wellness Benefits
Dental Benefits
Vision Benefits
Health Insurance Benefits
Onsite Gym
Retirement & Stock Options Benefits
401(K) Matching
M1 uses a SIMPLE IRA, which is similar to a 401K. It allows us to use the M1 platform for the retirement benefit. M1 will contribute 2%, regardless of the employee contribution, even if that is 0%.
Company Equity
Child Care & Parental Leave Benefits
Generous Parental Leave
We provide up to 12 weeks of parental leave for the primary caretaker. M1 also provides 4 weeks of leave for the secondary caretaker.
Flexible Work Schedule
Return-to-work program post parental leave
Vacation & Time Off Benefits
Unlimited Vacation Policy
Paid Holidays
Perks & Discounts
Beer on Tap
Casual Dress
Commuter Benefits
Company Outings
Game Room
Stocked Kitchen
Happy Hours
Professional Development Benefits
Job Training & Conferences
Diversity Program
Lunch and learns
Promote from within
Mentorship program
Our mentorship program includes Career mentoring, Leadership mentoring.
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