Job description
Who We Are
We are creating the best way to finance clean energy for the home to help combat climate change. Mosaic partners directly with solar and home improvement professionals, who use our simple point-of-sale app to offer financing options to their customers. This makes it easy and affordable for families to make energy-efficient upgrades to their homes. Since 2012, Mosaic has funded more than $15 billion in loans through our platform and helped more than 1 million people prosper from clean energy. Join us as we work toward our vision of 100% clean energy homes across America.
Location: We are remote-first. This role can be based in most states in the US.
The Opportunity
As a member of the Fraud and Compliance team, you will be responsible for resolving complex cases protecting Mosaic from legal and financial risk. We are seeking a Fraud, Compliance and Complaint Specialist who can handle complex investigation tasks with proven problem solving skills, strong attention to detail, and an openness to ongoing learning and collaboration with peers.
Responsibilities:
- Investigate and solve fraud and compliance cases using various tools available: LexisNexis, DataTree, Emailage, and others.
- Resolve borrower complaints including Social Media disputes (BBB, Yelp, Facebook).
- Resolve FCRA disputes.
- Perform investigations for Legal department and write up first-pass legal responses with recommendations.
- Come up with necessary risk prevention processes and continuously look for ways to mitigate risk.
- Conduct thorough investigations into suspected fraudulent activities, including but not limited to Installer fraud, borrower fraud, and 3rd party fraud.
- Gather and analyze evidence, employing a variety of investigative techniques, such as forensic accounting, call listening, data analysis, and interviews, to uncover fraudulent schemes and identify responsible parties.
- Collaborate with internal stakeholders, including legal, compliance, and Risk, to ensure appropriate actions are taken to address identified fraud cases.
- Develop and implement fraud prevention strategies and controls to mitigate risks and safeguard company assets.
- Stay up-to-date with emerging fraud trends, industry best practices, and regulatory requirements related to fraud detection and prevention.
- Create comprehensive investigative reports, documenting findings, recommendations, and actions taken to address fraud or complaint incidents.
- Assist in the development and implementation of fraud detection tools and systems to enhance the company’s ability to identify potential fraudulent activities.
- Collaborate with cross-functional teams to ensure a proactive and coordinated approach to fraud prevention and detection across the organization.
Requirements:
- Basic knowledge of lending regulations, and some or all: FCRA, SCRA, Reg Z, UDAAP, BSA/AML, TILA, OFAC
- Able to solve problems independently and prioritize effectively.
- Comfortable reviewing loan and financial transaction information.
- Google Suite, Salesforce, Purecloud, Periscope, LexisNexis, Bridger, DataTree, Emailage
- Ability to see patterns and spot suspicious behavior.
- Proven experience (3 years or more) as a Fraud Investigation Specialist, conducting complex investigations, preferably in a corporate or financial institution setting.
- Strong knowledge of fraud detection and prevention techniques, as well as a solid understanding of relevant laws, regulations, and industry standards.
- Proficient in utilizing data analysis tools and techniques to identify patterns, anomalies, and trends indicative of fraudulent activities.
- Excellent analytical and problem-solving skills, with the ability to think critically and make sound decisions under pressure.
- Exceptional attention to detail and strong organizational skills to handle multiple investigations simultaneously.
- Effective verbal and written communication skills, with the ability to articulate complex findings and recommendations to both technical and non-technical stakeholders.
- Strong collaboration and interpersonal skills, with the ability to work effectively in cross-functional teams.
- High ethical standards and integrity, maintaining confidentiality and professionalism throughout investigations.
Bonus Points:
- Bilingual (Spanish and English) is a plus, but not required.
- Advanced certifications such as Certified Fraud Examiner (CFE) or similar are highly desirable.
- Experience with fraud detection software and knowledge of relevant technologies would be advantageous.
Compensation: The base salary range for this position is $62,000-67,000. The position is eligible for a bonus in accordance with the terms of the applicable incentive plan. In addition, we’re proud to offer a range of competitive benefits.
Why Mosaic
As a customer focused and driven-to-win organization, there are many exciting reasons to join the Mosaic team. Mosaic has a dynamic, fast-paced, and entrepreneurial environment, which requires a professional, flexible, self-starter attitude. We believe in hiring talented and driven individuals and cultivating a culture of collaboration and appreciation.
Benefit Highlights:
- Robust Health, Dental, and Vision Plans
- Generous paid time off
- 401k Match
- Lifestyle Spending accounts for professional wellness
- Mental Health: Headspace subscription, online therapy sessions
- …and more!
Timeline: We are accepting applications until May 12th, 2025 or until the role is filled. We encourage interested and qualified candidates to apply as soon as possible.
We are an equal opportunity employer and value diversity of backgrounds, perspectives and experience. Mosaic’s vision is 100% clean energy for all. In order to reach that vision, we believe we must build a diverse company where everyone is treated fairly and feels included. In turn, in accordance with Mosaic’s equal employment opportunity policy, we do not discriminate on the basis of race, religion, color, national origin, caste, gender identity or expression, sexual orientation, age, marital status, veteran status, disability status or any legally protected status.
#LI-Remote
