Upgrade is a fintech company that provides affordable and responsible credit, mobile banking, and payment products to everyday consumers. We were the fastest growing company in the Americas last year according to the Financial Times and Upgrade Card was the fastest growing credit card in America two years in a row. We have delivered over $25 billion in affordable and responsible credit to our 2.7M customers. The company is backed by some of the most prominent technology investors and was recently valued at $6.3B.

We have built an energizing, collaborative and inclusive culture where team members help each other, learn and innovate to move the company and its customers in the right direction, and own the outcome of their efforts.

Upgrade has been named a “Best Place to Work in the Bay Area” three years in a row, “Top Companies to work for in Arizona” and one of the "Best Engineering Department" awarded annually by Comparably. We've also received recognition for being a best company for Diversity, Women, Culture, and Veterans.

We are looking for new team members who get excited about designing and delivering new and better products to join a team of 1600 talented and dedicated professionals. Come work with us if you like to tackle big problems and make a meaningful difference in people's lives.

 


About the Role:

As a New Accounts Analyst, you will be critical in exploring issues and then providing critical insights to improve decision-making. You will also work with business teams to be able to strategically communicate root causes. To be successful in this role, you must be a self-starter, entrepreneurial by nature, and enjoy a fast-paced challenging environment. This is an onsite position based in our Atlanta office.


What You’ll Do:

  • Assist with the identification, development, and reporting of risk metrics on a recurring basis via various escalation channels
  • Enhance data and analysis work by providing actionable insight to your manager
  • Work collaboratively, cross-functionally, and independently to interface with stakeholders and other analysts or engineers to meet business requirements
  • Effectively communicate (written and verbal) technical subject matters to non-technical business stakeholders
  • Learn and grow in operations with a focus on back-end databases and reporting of relevant business information


What We Look For:

  • 6+ months of experience in a quantitative, analysis, or reporting role within the Financial Services industry
  • Strong analytical and problem-solving skills
  • Minimum of 1 year of experience representing data in an easily digestible format
  • Minimum 1+ years of relevant work experience within data analytics-related fields
  • SQL and/or Tableau experience
  • Highly proficient in MS Excel and/or Google Sheets
  • Financial services experience


Nice to Have:

  • BA/BS degree in a quantitative field (Mathematics, Statistics, Engineering, Economics) 
  • 6+ months knowledge of SQL


What We Offer You: 

  • Competitive salary and flexible PTO
  • 100% paid coverage of medical, dental, and vision insurance 
  • Opportunities for professional growth and development  
  • Paid parental leave
  • Health & wellness initiatives

#LI-Onsite

About the Role:

As a Fraud Investigations Analyst with our Flexpay product, you will be responsible for handling inbound claims of fraud, documenting cases, and investigating potentially fraudulent activity. A successful analyst will be able to work with internal teams and external customers to resolve cases of fraud and minimize potential losses. Please note: this position will be on-site full time in the Phoenix, Arizona office.


What You'll Do:

  • Conduct thorough investigations on customer’s claims of fraud by  utilizing internal data and open-source research tools to substantiate or unsubstantiate those claims
  • Maintain ownership of assigned claims and conduct consumer interviews to establish event timelines, gain additional information, and provide guidance to the consumer on protecting their information
  • Review an inbound queue of emails responding to customer inquiries accordingly, ensuring identity verifications are compliant and SLAs are met
  • Respond to credit disputes related to fraud ensuring deadlines are met and triages are performed diligently
  • Communicate effectively with our fraud operations team related to customer claims of fraud making sure new and existing claims are being followed up on in a timely manner
  • Assist the Fraud Investigations Manager with additional tasks and/or service level agreements to support the Fraud Investigations and Operations Department and its business partners


What We Look For:

  • 2-3 years of BSA/AML, Investigations, or Fraud related experience
  • Bachelor's degree required
  • Experience working in a production-based environment, managing an assigned work queue, and large datasets
  • Strong interpersonal, analytical, and problem-solving skills
  • Outstanding verbal and written communication skills, attention to detail, and the ability to work independently 


Nice to Have:

  • Advanced Excel knowledge
  • CAMS, CFE, and/or CGSS preferred
  • Prior experience in FinTech or start-up environment
  • Proficiency in SQL


What We Offer You: 

  • Competitive salary and stock option plan
  • 100% paid coverage of medical, dental and vision insurance 
  • Flexible PTO
  • Opportunities for professional growth and development  
  • Paid parental leave
  • Health & wellness initiatives

#LI-Onsite

About the Role:

As a Fraud Investigations Analyst with our Flexpay product, you will be responsible for handling inbound claims of fraud, documenting cases, and investigating potentially fraudulent activity. A successful analyst will be able to work with internal teams and external customers to resolve cases of fraud and minimize potential losses. Please note: this position will be on-site full time in the Phoenix, Arizona office.


What You'll Do:

  • Conduct thorough investigations on customer’s claims of fraud by  utilizing internal data and open-source research tools to substantiate or unsubstantiate those claims
  • Maintain ownership of assigned claims and conduct consumer interviews to establish event timelines, gain additional information, and provide guidance to the consumer on protecting their information
  • Review an inbound queue of emails responding to customer inquiries accordingly, ensuring identity verifications are compliant and SLAs are met
  • Respond to credit disputes related to fraud ensuring deadlines are met and triages are performed diligently
  • Communicate effectively with our fraud operations team related to customer claims of fraud making sure new and existing claims are being followed up on in a timely manner
  • Assist the Fraud Investigations Manager with additional tasks and/or service level agreements to support the Fraud Investigations and Operations Department and its business partners


What We Look For:

  • 2-3 years of BSA/AML, Investigations, or Fraud related experience
  • Bachelor's degree required
  • Experience working in a production-based environment, managing an assigned work queue, and large datasets
  • Strong interpersonal, analytical, and problem-solving skills
  • Outstanding verbal and written communication skills, attention to detail, and the ability to work independently 


Nice to Have:

  • Advanced Excel knowledge
  • CAMS, CFE, and/or CGSS preferred
  • Prior experience in FinTech or start-up environment
  • Proficiency in SQL


What We Offer You: 

  • Competitive salary and stock option plan
  • 100% paid coverage of medical, dental and vision insurance 
  • Flexible PTO
  • Opportunities for professional growth and development  
  • Paid parental leave
  • Health & wellness initiatives

#LI-Onsite

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