Enova
Chicago, IL

Fraud Operations Analyst at Enova

| Chicago
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The health and safety of Enova’s employees is our number one priority.  Enova has not yet determined a return to office date, but will require all employees to be fully vaccinated for COVID-19 before such date.  Proof of vaccination will be required.  Enova will consider exceptions to this policy on a case-by-case basis for those who need accommodation due to medical reasons or sincerely-held religious beliefs or practices.

About the role:

To be a successful Fraud Operations Analyst at Enova, one must have an innate desire to dig deeper, and a willingness to go above and beyond in an effort to protect our products from falling victim to various fraud attempts. On a typical day, your co-workers will find you executing complex, in-depth investigations on suspicious applications as well as using technology-based tools to improve current fraud monitoring and detection systems utilizing SQL and Excel. Managers and key executives will need to depend on your skills and knowledge to ensure the health of the business is being maintained from the fraud risk perspective. Cross-functional projects are highly encouraged and vital to the Fraud Operation Analyst role, as well as assisting in improving our underwriting and verification processes. Innovation is the key in being able to successfully combat fraudsters, so we are seeking a candidate with an imaginative mind who can shed new light on intuitive ways to fight fraud.

Your core priorities will be to:

  • To monitor, and investigate any suspicious applications and loans for one or more of our products
  • Work cross-functionally with other departments to improve procedures, and/or provide advice from a fraud risk perspective
  • Maintain reports specific to your designated products, and know when to escalate any potential issues that arise, as well as which teams needs to be notified
  • Ability to multitask, and mitigate fraud for potentially up to 3 brands

What you should have:

  • 1-3 years of relevant fraud experience, preferred 
  • Bachelor's degree or equivalent experience, preferred
  • Working knowledge of MS Office applications
  • Highly self-motivated, and willingness to build networks/relationships with other departments
  • Naturally inquisitive, and desire to gain business insight, information and understanding
  • Willingness to do what it takes to respond to urgent projects, reports, or issues
  • Excellent written and oral communication skills to succinctly and accurately communicate issues and recommendations
  • Ability to derive actionable insights from large, complex data sets and take initiative 

About the team:

Enova's Analytics team consists of over 70 quantitative professionals dedicated to using the latest ground breaking techniques to drive business value. We are a shared service for the entire company and operate in four core Analytics workgroups:

  • Portfolio Analytics – this team focuses on building groundbreaking risk, pricing, and underwriting models to strengthen our lending decisions by using advanced modeling and simulation techniques to optimize the performance of our loan products and operations.
  • Fraud Analytics – this team uses advanced data mining techniques to identify and fight online fraud.
  • Fraud Strategy and Operations - this team leverages many tools and techniques to skillfully protect all of Enova’s brands from various fraud attacks
  • Marketing Analytics – this team is passionate about applying statistical analysis and predictive modeling to help our marketing teams acquire and retain more valuable customers.
  • Research and Platforms- this team builds and maintains all of our technical tools and platforms. They help investigate new analytics methodologies, use cases, and data sources, to institute new and best methodologies within the department.

We are language agnostic, but primarily use SAS, Python, R, SQL and Mathematica. That means YOU get to pick the tool that works best for you and the analysis at hand.

About Enova:
Enova is a leading financial technology company providing online financial services through its AI and machine learning powered lending platform. Enova serves the needs of non-prime consumers and small businesses, who are frequently underserved by traditional banks. Enova has provided more than 7 million customers with over $40 billion in loans and financing with market leading products that provide a path for them to improve their financial health. Want to learn more? Just ask any of our almost 1,500 employees.

Our goal at Enova, we believe that diversity and inclusion among our teammates is critical to our success as a global company, and we seek to recruit, develop and retain the most talented people from a diverse candidate pool. It is our policy to provide equal employment opportunity for all persons and not discriminate in employment decisions by placing the most qualified person in each job, without regard to any other classification protected by federal, state, or local law. California Applicants: Click here to review our California Privacy Policy for Job Applicants.

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Where we are

175 W Jackson - Located right in the Loop and easily accessible from the suburbs or the city.

Technology we use

  • Engineering
  • Product
    • AWS (Amazon Web Services)Languages
    • GolangLanguages
    • JavaLanguages
    • JavascriptLanguages
    • PythonLanguages
    • RLanguages
    • RubyLanguages
    • SqlLanguages
    • Ruby on RailsFrameworks
    • Vue.jsFrameworks
    • MongoDBDatabases
    • PostgreSQLDatabases
    • IllustratorDesign
    • PhotoshopDesign
    • JIRAManagement
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What are Enova Perks + Benefits

Culture
Volunteer in local community
Partners with Nonprofits
Friends outside of work
Eat lunch together
Intracompany committees
Women @ Enova, Pride @ Enova, South Asians @ Enova, Parents @ Enova, B.L.A.C.K @ Enova, HOLA @ Enova, Asian Pacific Experience @ Enova and more!
Open door policy
Pair programming
Open office floor plan
Diversity
Dedicated Diversity/Inclusion Staff
Unconscious bias training
Diversity manifesto
Diversity Employee Resource Groups
- B.L.A.C.K @ Enova - HOLA @ Enova - Pride @ Enova - South Asians @ Enova - Women @ Enova - Parents @ Enova
Hiring Practices that Promote Diversity
Health Insurance & Wellness Benefits
Flexible Spending Account (FSA)
Disability Insurance
Dental Benefits
Vision Benefits
Health Insurance Benefits
Life Insurance
Pet Insurance
Wellness Programs
Onsite Gym
Team workouts
Enova's team fitness initiatives include Sponsored race teams.
Mental Health Benefits
Retirement & Stock Options Benefits
401(K)
401(K) Matching
Company Equity
Performance Bonus
Match charitable contributions
Child Care & Parental Leave Benefits
Child Care Benefits
Generous Parental Leave
Flexible Work Schedule
Enova employees are able to leave at 2pm on Fridays between Memorial Day and Labor Day!
Remote Work Program
Family Medical Leave
Return-to-work program post parental leave
Company sponsored family events
Past events have been at the Museum of Science and Industry, Millennium Park and more!
Vacation & Time Off Benefits
Generous PTO
Paid Volunteer Time
Sabbatical
Paid Holidays
Perks & Discounts
Beer on Tap
Casual Dress
Commuter Benefits
Company Outings
Game Room
Stocked Kitchen
Some Meals Provided
We provide free breakfast on Monday.
Happy Hours
Company-wide happy hours are hosted once per month and team's host happy hours at their discretion..
Parking
We offer employees discounted on-site garage parking.
Relocation Assistance
Fitness Subsidies
Home Office Stipend for Remote Employees
Professional Development Benefits
Job Training & Conferences
Tuition Reimbursement
Diversity Program
Lunch and learns
Both company-wide and department-specific events.
Cross functional training encouraged
Promote from within
Mentorship program
Continuing Education stipend
Online course subscriptions available
Customized development tracks
Paid industry certifications

Additional Perks + Benefits

Sabbatical program • Recognition programs • Commuting reimbursement • Monthly social events • Discounted gym memberships • Pet insurance

An Insider's view of Enova

What’s the vibe like in the office?

Enova provides an open and supportive environment that allows employees to proactively grow and develop. Leaders and mentors motivate team members to discover a better way to do the work. Here you can find yourself surrounded by talented, inspiring people.

Grace

Data Engineer II

What projects are you most excited about?

My job requires me to think about my work from many different angles, and often make decisions when there is no obvious 'right' answer. I really enjoy the opportunity of tackling new challenges and mastering different decision-making frameworks.

Monica

Sr Manager, Product Management

How does the company support your career growth?

Enova supported my career/growth with training when I started. In baseline, the training program for new software engineers, we were given the time to learn before joining a team. It was great to have dedicated time just focused on learning and getting acclimated to Enova before jumping into project work.

Elena

Software Engineer II

How has your career grown since starting at the company?

Enova is willing to take a chance on you. When I started at Enova I had very little formal experience, and since then I have had 3 very different roles in the company and have done things I wouldn't have imagined were possible for me!

Bridget

IT Risk Lead

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