Overview

Who we are

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.

What we’re looking for

The Fraud Analyst is responsible for the investigation and disposition of consumer fraud matters on new credit applications as well as booked retail and lease contracts. The position will work closely with the Dealer Service Centers and Risk Department in order to develop and implement fraud prevention methods and increase loss avoidance at origination. This position will work closely with Experience Center team members for collections, customer service, late-stage skip, etc. to identify fraud on booked accounts and mitigate Toyota Motor Credit Corporation’s (TMCC) loss. This position will be involved in creating and conducting training presentations aimed at increasing fraud awareness throughout TMCC.

The Fraud Analyst must have investigative experience as it relates to auto-finance fraud which includes, but is not limited to, identity theft, application fraud, synthetic identity fraud, and financial fraud.

What you’ll be doing

• This position interacts and collaborates with team members and management across several departments, including, but not limited to, Legal, Sales Operations, Risk, EC/Service Operations, Dealer Service Centers (DSC), Anti-Financial Crimes Compliance (AFCC), Agency Administrators, Treasury, the VMO and Remarketing as part of the development of fraud prevention strategies/models, investigations, loss mitigation, and to ensure compliance
• Champion and promote fraud awareness throughout the organization.
• Must effectively review fraud alerts and identify the characteristics of fraud at origination for Toyota Financial Services, Lexus Financial Services, Mazda Financial Services, Bass Pro Shops Financial Services, and any other consumer lending and TMCC areas where fraud might occur to provide timely decisions to the DSC or Credit Team.
• Conduct investigations of Toyota Financial Services, Lexus Financial Services, Mazda Financial Services, Bass Pro Shops Financial Services, and any other TMCC products for retail and lease contracts of which fraud has been suspected. Must effectively identify the characteristics of fraud in situations of Identity Theft, Synthetic Identity Fraud, Elder Abuse, Title Washing, Financial Fraud, and all other relevant 1st and 3rd party fraud experienced by indirect lenders for auto and marine environments.
• Must have proven ability to adhere to strict deadlines to ensure compliance with laws, regulations, and policies in the review and disposition of identity theft claims.
• Once fraud has been established, effectively evaluate and execute loss mitigation efforts, including, but not limited to, issuing repossessions, building cases with law enforcement, seeking restitution, and working with Motor Vehicle Offices or other Financial Institutions / Industry Peers.
• Perform fraud tracking, analysis, and dissemination of fraud activity within assigned area of responsibility. Maintain, review, and summarize activities throughout the life cycle of the investigation.
• Use trends and red flags identified to assist in developing Fraud training and tips for related account handling, promote fraud awareness, and prevent current or future exposure.
• Actively apply knowledge and experience when supporting Legal and Compliance by completing fraud investigations initiated through the Consumer Financial Protection Bureau, lawsuits, or other legal avenues.
• Must be able to successfully interview (interrogate) individuals (suspects/victims) involved in fraudulent activities and accurately analyze the information gained to identify facts and provide recommendations for the appropriate course of action and remediation.
• Analyze, identify, and communicate to leadership the links between fraudulent transactions to establish trends, identifying critical red flags to prevent current or future exposure.
• Develop and maintain law enforcement contacts which are essential to investigations and protecting TMCC interest, actively participate in the Auto Finance Coalition (Finance Industry Networking Group), and attend annual Industry Conferences including the ACFE, IAFCI, IAATI, WSATI, NICB, etc. to be a subject matter expert in the fraud domain to best shape fraud strategy and rules.
• This position will play a role in contributing to and leading several project teams such as Technology development, Training, Vendor Management, Sales, Risk, Credit Reporting, and Compliance, as assigned by the Manager, and serve as Subject Matter Expert (SME) representing the Fraud Control Department.
• Development and delivery of training presentations, representation of the Fraud Control Department on miscellaneous task forces/committees, attending/providing feedback on vendor presentations, data acquisition, reporting, trend analysis, training, SOP/FOPP review and updates, and feedback and testing as related to technology enhancements.
• Must have a high level of communication skills, both written and verbal, as it becomes necessary to communicate with all levels of law enforcement and the legal community in recovery efforts and prosecution assistance.
• Be flexible and adaptable to undertaking special assignments and assuming additional duties to enhance fraud prevention strategies and measures.

What you bring

• 2+ years of Fraud or Investigative experience required.
• Must have investigative experience as it relates to auto-finance fraud which includes, but is not limited to, identity theft, application fraud, synthetic identity fraud, and financial fraud.
• Ability to incorporate multiple points of view when responding to situations/ problems. You will continuously increase your job knowledge by being open to diverse ideas.
• Strong portfolio management with the ability to handle additional assignments and meet target deadlines.
• Strong understanding of the auto finance origination process.
• Must have strong relationship management and ability to grow or expand the network of industry peers and law enforcement.
• Demonstrated past experience organizing, prioritizing, and handling multiple tasks with a high level of efficiency.

Added bonus if you have

• Bachelor's degree preferred or equivalent experience.

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:

• A work environment built on teamwork, flexibility, and respect.
• Professional growth and development programs to help advance your career, as well as tuition reimbursement.
• Vehicle purchase & lease programs.
• Comprehensive health care and wellness plans for your entire family.
• Flextime and virtual work options (if applicable).
• Toyota 401(k) Savings Plan featuring a company match, as well as an annual retirement contribution from Toyota regardless of whether you contribute.
• Paid holidays and paid time off.
• Referral services related to prenatal services, adoption, childcare, schools, and more.
• Tax-Advantaged Accounts (Health Savings Account, Health Care FSA, Dependent Care FSA)

• Relocation assistance (if applicable).

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? Please send an email to talent.acquisition@toyota.com.