Fraud Analyst

About This Role

Working as a Fraud Analyst, you will investigate and assess potential fraud indicators throughout the application, settlement, and post-settlement stages of loans. This role provides a specialist layer of verification to support sound risk decisions and protect the company from fraud-related losses.

Responsibilities

• Assess referred applications and matters where fraud indicators or authenticity concerns have been identified
• Undertake proportionate fraud checks based on the nature of the matter, identified risk indicators, and approved procedures
• Review credit files, customer information, addresses, employment history, income documents, bank information, peer enquiries, and other supporting documentation for inconsistencies or indicators of fraud
• Use approved internal and external verification tools and industry information sources to validate customer, broker, supplier, dealer, asset, and application information
• Conduct online presence, contact detail, and open-source checks where lawful, appropriate, and permitted under company procedures
• Contact employers, real estate agents, brokers, suppliers, or other relevant parties where verification is required and authorised
• Review biometric or identity verification exceptions and determine whether identified concerns can be cleared or require escalation
• Investigate post-settlement referrals, including suspected identity takeover, identity theft, skipped customers, and disputed loan origination
• Investigate potential sanctions flagged via ID Matrix or PEPs where potential conflict of interest may arise
• Investigate accreditation or introducer concerns and contribute to the maintenance of approved watchlists and risk indicators
• Document the scope of checks undertaken, evidence reviewed, findings, rationale, recommendations, and final outcomes
• Clear fraud concerns where satisfied, or refer the matter to the relevant decision-maker with a clear recommendation and any additional information required
• Escalate suspected fraud, misconduct, control breakdowns, or systemic issues promptly and support internal reporting or external information-sharing processes where authorised
• Identify emerging fraud trends, recurring control weaknesses, and opportunities to improve referral rules, verification controls, training, systems, and procedures
• Maintain confidentiality, procedural fairness, privacy, and accurate records throughout all investigations
• Run quarterly internal fraud focus meetings including credit and settlements Team Leaders (using real examples)
• Work with IT on Product and Development including system enhancements, early warning triggers, automation for fraud indicators
• Conduct AML red flag investigations (investigating applications or customers displaying unusual structures, conflicting information, or other potential financial-crime indicators)

Requirements

• 2+ years in a fraud investigation or related role
• Working knowledge of credit risk, financial crime, lending operations, compliance, and collections
• Practical experience reviewing identity, income, banking, credit, and supporting documents for authenticity and inconsistency
• Elite analytical skills and attention to detail
• A self-starter with strong time management and organisation skills
• Able to work autonomously and take accountability of outcomes
• A positive, can-do attitude and capable of taking a flexible approach to solve problems
• Strong stakeholder engagement and interpersonal skills
• Unwavering integrity and resilience

Important Details

• Locations: Brisbane, Gold Coast, Melbourne, or Sydney

About the Company

Azora is a fast-growing non-bank lender specialising in commercial asset finance, consumer car loans, and home loans in Australia.