Fraud Investigator

As a Bank Fraud Investigator at Robinhood, you safeguard the company's assets and customer accounts by detecting and investigating fraudulent activities within our banking products. You work closely with Compliance, Risk, Legal, and Operations to identify, prevent, and resolve fraud involving accounts, transactions, and other financial products, ensuring the integrity and security of our platform.

What you'll do

• Investigate and mitigate bank and credit card fraud by analyzing suspicious activity across multiple payment rails, including debit and credit card transactions, identity theft, account takeover, wire transfer fraud, payment fraud, and check fraud.
• Analyze financial data, account history, and transaction records to identify irregularities, emerging fraud patterns, and potential policy violations.
• Collaborate with internal stakeholders in Compliance, Risk, Legal, and Operations to resolve fraud-related issues, ensure appropriate controls, and escalate cases as required.
• Conduct outbound contact with customers, merchants, or third parties to perform interviews, gather supporting documentation, and obtain evidence relevant to fraud investigations.
• Apply Fair Credit Reporting Act (FCRA) requirements when reviewing, documenting, and reporting fraud-related findings, including accuracy, permissible purpose, dispute handling, and adverse action considerations.
• Maintain current knowledge of fraud typologies, regulatory requirements, and industry best practices to support effective prevention, investigation, and response.
• Ensure investigations and resolutions comply with all applicable regulatory, legal, and internal policy requirements.
• Communicate clearly, professionally, and timely with customers to deliver an exemplary and compliant customer experience.

What you bring

• 1-2 years of proven experience in fraud investigation, financial analysis, or a related role.
• Strong analytical and problem-solving skills with attention to detail.
• Knowledge of fraud operations, regulations, and fraud prevention techniques.
• Ability to communicate clearly and effectively in written and verbal form with customers and internal teams.
• Ability to work independently and handle sensitive information with confidentiality and professionalism.

Nice to have

• Certified Fraud Examiner (CFE) or a related credential.
• Anti-Money Laundering (AML) knowledge.

What we offer

• Hourly pay: $23-$27 USD (Denver, CO; Westlake, TX; Chicago, IL) or $22.10-$26 USD (Lake Mary, FL; Clearwater, FL; Gainesville, FL), depending on location and job-related factors.
• Performance-driven compensation with multipliers for outsized impact and bonus program eligibility.
• Equity ownership and 401(k) matching.
• 100% paid health insurance for employees with 90% coverage for dependents.
• Access to the Robinhood Employee Fund, offering eligible US employees the opportunity to invest in a private employee fund with exposure to Robinhood Ventures funds.
• Access to top-tier AI tools and continuous AI skill-building for every employee.
• Lifestyle wallet, a flexible benefits spending account for wellness, learning, and more.
• Employer-paid life and disability insurance, fertility benefits, and mental health benefits.
• Time off including company holidays, paid time off, sick time, and parental leave.
• Exceptional office experience with catered meals, events, and comfortable workspaces.

About Robinhood

Robinhood's mission is to democratize finance for all. The company is building an elite team applying frontier technologies to the world's biggest financial problems, with ethics at the center of everything it does.