Job Location: Plano, TX
Overview
Who we are
An important part of the Toyota family is Toyota Financial Services (TFS), the finance and insurance brand for Toyota and Lexus in North America. While TFS is a separate business entity, it is an essential part of this world-changing company – delivering on Toyota’s vision to move people beyond what’s possible. At TFS, you will help create best-in-class customer experiences in an innovative, collaborative environment.
Who we’re looking for
Toyota Financial Savings Bank’s Compliance Department is looking for a passionate and highly motivated Fraud Operations Senior Analyst.
The primary responsibility of this role is to identify, evaluate, and disposition consumer and commercial financial fraud matters including retail banking, mortgage transactions, commercial lending, and indirect auto loans. The position requires deep knowledge of fraud operations management including all aspects of fraud prevention, detection, recovery, reporting, and monitoring. The position will also support the implementation of a robust anti-fraud program which will provide oversight and controls for Toyota Financial Savings Bank and its affiliates.
What you’ll be doing
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Effectively review fraud alerts. Timely create and decision alerts to fraud cases, ensure that cases are investigated, if necessary, escalated, and properly dispositioned.
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Identify the characteristics of fraud of each when present including identity theft, account takeover, scams, disputes, and all other relevant 1st and 3rd party fraud experienced by online/digital banks.
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Strengthen the development and execution of loss prevention and recovery strategies including drafting and initiating correspondence with customers and other financial institutions to facilitate investigations and recover funds.
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Analyze, identify, and communicate to leadership the links between fraudulent transactions to prevent current or future exposure.
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Demonstrate intellectual agility to work in an unstructured environment with the ability to organize and prioritize assignments, day-to-day responsibilities, and unplanned action items that must be completed to meet management expectations and compliance deadlines.
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Support the build-out of a new Fraud Team within Compliance and be a subject matter expert in the fraud domain, monitoring internal case insights as well as external fraud news and capabilities to shape fraud strategy and rules.
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Work collaboratively with the Fraud Operations Manager, business units, architects, business analysts, developers, product managers, visual designers, and/or user experience teams to document requirements, and acceptance criteria, prioritize, and design services and products to support safe and frictionless customer experience and a robust compliance control environment.
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Support the development and implementation of comprehensive fraud detection strategies/models and business rules that balance fraud loss, cost of execution, and customer experience.
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Actively apply knowledge and experience in compliance requirements and procedures with regards to working fraud cases that involve Reg E, Reg CC, UCC4, Reg D, and all aspects of NACHA ACH Rules and ACH recall processes and requirements.
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Perform other duties within the Compliance Team as assigned by the AML/OFAC Officer, the Fraud Manager, the Director of Anti-Financial Crimes Compliance, and the Chief Compliance officer.
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Provide assistance outside the scope of daily duties to the Compliance Department when needed, especially during times of audit and regulatory exams.
What you bring
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Four-year college degree or higher.
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Prior experience with fraud operations management.
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Strong experience with fraud investigations and SAR writing.
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Certified Fraud Examiner (CFE), Certified Financial Crimes Investigator (CFCI), or Certified AML and Fraud Professional (CAFP).
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Demonstrated experience organizing, prioritizing, and handling multiple tasks with a high level of efficiency.
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Direct knowledge of Auto Lending Risk.
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Strong written and oral communication skills.
Added bonus if you have
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Previous experience with supporting the development and implementation of comprehensive fraud detection strategies/models and business rules.
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The ability to interface effectively and build and maintain strong relationships across multiple business units.
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Ability to work independently and efficiently with a low margin of error.
What we’ll bring
During your interview process, our team can fill you in on all the details of our industry-leading benefits and career development opportunities. A few highlights include:
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A work environment built on teamwork, flexibility, and respect.
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Professional growth and development programs to help advance your career, as well as tuition reimbursement.
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Vehicle purchase & lease programs.
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Comprehensive health care and wellness plans for your entire family.
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Flextime and virtual work options (if applicable).
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Toyota 401(k) Savings Plan featuring a company match, as well as an annual retirement contribution from Toyota regardless of whether you contribute.
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Paid holidays and paid time off.
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Referral services related to prenatal services, adoption, childcare, schools, and more.
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Flexible spending accounts.
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Relocation assistance (if applicable).
To save time applying, Toyota does not offer sponsorship of job applicants for employment-based visas or any other work authorization for this position at this time.
Belonging at Toyota
Our success begins and ends with our people. We embrace diverse perspectives and value unique human experiences. Respect for all is our North Star. Toyota is proud to have 10+ different Business Partnering Groups across 100 different North American chapter locations that support team members’ efforts to dream, do and grow without questioning that they belong. As a company that has been one of DiversityInc’s Top 50 Companies for Diversity and a member of The Billion Dollar Roundtable supporting minority and woman-owned suppliers for over 10 years, we are proud to be an equal opportunity employer that celebrates the diversity of the communities where we live and do business.
Applicants for our positions are considered without regard to race, ethnicity, national origin, sex, sexual orientation, gender identity or expression, age, disability, religion, military or veteran status, or any other characteristics protected by law.
Have a question or need assistance with your application? Check out the How to Apply section of our careers page on Toyota.com or send an email to talent.acquisition@toyota.com.
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