Full-Time

Fraud Operations Investigator II

Posted on 12/20/2024

Affirm

Affirm

1,001-5,000 employees

Provides buy now, pay later financing solutions

Fintech
Financial Services

Compensation Overview

$55k - $75kAnnually

+ Equity Rewards + Monthly Stipends

Mid

No H1B Sponsorship

Remote in Canada

Category
Risk Management
Finance & Banking
Required Skills
SQL
Requirements
  • Fluent in French (written, spoken, and reading proficiency)
  • Excellent communication skills
  • Experience overseeing projects
  • Experience working cross functionally
  • Solid understanding of financial fraud and investigations (e.g., identity theft, account takeover, social engineering), including investigative techniques, red flags, and relevant tools and systems
  • Basic knowledge of Reg E and Reg Z regulations
  • SQL experience is a plus, though not required
Responsibilities
  • Conduct investigations on fraud cases, identifying patterns and trends that require escalation.
  • Handle complex cases, pinpoint procedural gaps, and collaborate cross-functionally to address these gaps and update procedures as needed.
  • Complete ad hoc tasks and small projects, collaborating with teams such as analytics, QA, training, knowledge management, compliance, and legal as needed.
  • Support our vendor teams with escalations.

Affirm provides point-of-sale financing solutions as an alternative to traditional credit cards. Its main service is the "buy now, pay later" (BNPL) model, which allows consumers to make purchases and pay for them over time through installment plans, often without hidden fees. Affirm partners with merchants to integrate its payment solutions into both online and in-store shopping experiences, using user-friendly plugins and APIs. This integration requires minimal technical effort from merchants. Affirm earns revenue through interest and fees on the loans it provides to consumers, as well as fees from merchants who offer its financing options. The company also provides a merchant dashboard for transaction processing and sales training, helping businesses effectively market these financing options. Affirm's goal is to empower consumers with flexible payment options while providing value to merchants in the e-commerce and retail sectors.

Company Stage

IPO

Total Funding

$1.1B

Headquarters

San Francisco, California

Founded

2012

Growth & Insights
Headcount

6 month growth

4%

1 year growth

9%

2 year growth

-10%
Simplify Jobs

Simplify's Take

What believers are saying

  • Affirm's partnership with Adyen expands its reach in the U.S. and Canadian markets.
  • Affirm's $4 billion partnership with Sixth Street strengthens its financial position for growth.
  • The addition of eight new merchant partnerships increases Affirm's market presence and transaction volume.

What critics are saying

  • Increased competition from tech giants like Apple could threaten Affirm's market share.
  • Over-reliance on Adyen's platform may pose risks if the partnership faces disruptions.
  • The $4 billion partnership with Sixth Street may pressure Affirm to deliver high returns.

What makes Affirm unique

  • Affirm offers transparent installment loans with no hidden fees, unlike traditional credit cards.
  • Affirm partners with over 2,000 merchants, providing diverse payment options at checkout.
  • Affirm's seamless API integration allows easy adoption by online and in-store merchants.

Help us improve and share your feedback! Did you find this helpful?

Benefits

Spending wallets: Access tech, food, lifestyle, and family planning wallets for your expenses

Supportive communities: Get involved with our employee resource groups and community groups

Remote-first workforce: If your role is remote, you can set up shop anywhere in your home country

Generous time off: Take the time you need when life happens

Health benefits: Get a plan that fits your needs

Mental healthcare: Take care of your mind with great mental health programs

Parental leave: Birth and non-birth parents get 18 weeks paid leave. Plus, a 4-week return-to-work transition program, at full base pay.

Compensation: We have a simple, flexible, and transparent remote-first compensation structure so you can make the best decisions for yourself and your family.

Away days: We offer 24 company-wide paid days off—which help our teams collectively pause to recharge.

Learning & development: Engage in exciting learning programs to level up your growth.