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June 23, 2026

Fraud Specialist

Mid • Hybrid

Phoenix, AZ

Your role in our mission

Prosper is seeking smart, energetic professionals to join our Fraud Team. We are rapidly growing our business and are seeking an individual to help build a best-in-class fraud process. Must be extremely detail oriented.

How you’ll make an impact

  • Review and analyze fraud cases across multiple products, including credit cards, lending and investor products.
  • Conduct detailed investigation and analysis of collected information from multiple sources (i.e. database records, KYC documentation, external search engines and open-source websites) to determine level of risk associated with suspicious transactions, applications, and account activity.
  • Engage with customers via phone and/or email to verify application details and/or review transaction activity for accuracy and legitimacy.
  • Make critical decisions on case resolution and actions, including account closure and/or law enforcement engagement recommendations.
  • Identify patterns and trends in fraudulent activity to develop actionable insights and recommend preventive measures.
  • Monitor and utilize AI fraud detection tools, machine learning model scores, and alert systems to detect potential fraud in real-time.
  • Work closely with internal teams, including risk management, operations, compliance, and customer service, to resolve fraud cases efficiently.
  • Communicate investigation findings and outcomes clearly and concisely to relevant parties, including senior management.
  • Maintain detailed records of investigations, findings, and resolutions in compliance with regulatory and internal standards.
  • Ensure all investigations comply with applicable laws and regulations, including Fair Lending and Fair Credit Reporting Acts.
  • Support audit and compliance reviews by providing detailed documentation and insights into fraud cases and trends as needed.
  • Contribute to the development and enhancement of fraud policies and procedures.
  • Participate in monthly reviews of fraud controls, processes, and systems to identify gaps and areas for improvement.
  • Test and provide feedback on fraud detection strategies to enhance their effectiveness.
  • Proactively learn and adopt AI-enhanced tools to streamline manual reviews and improve accuracy of fraud trend identification.

Skills that will help you thrive

  • Strong analytical thinking and attention to detail.
  • Knowledge of fraud detection systems such as LexisNexis, Emailage, ThreatMetrix, Sentilink.
  • Basic understanding of AI-driven fraud detection and Machine Learning model scores.
  • Familiarity with credit card and lending industry regulations and practices.
  • Advanced experience reviewing documents for authenticity.
  • 1+ years’ experience in financial services industry.
  • Must have High School diploma or GED.

Resources to help you prosper

  • A connected experience: Flexible collaboration across offices or remote work with digital-first tools.
  • Invested in your future: Competitive salary and 401(k) with 5% company match.
  • Holistic well-being: Flexible time off, paid parental leave, wellness allowance, and comprehensive health coverage.
  • Professional & personal growth: Udemy access, childcare assistance, pet insurance, and savings through Beneplace.