--- title: 'Fraud Investigation Associate at Lendable' canonical: 'https://feeny.ai/job/fraud-investigation-associate-lendable-virginia-8vn5gcdscwvf' type: 'job' last_seen: '2026-09-11' --- # Fraud Investigation Associate at Lendable - **Company:** Lendable - **Location:** Virginia - **Compensation:** $80k–$140k - **Employment:** full-time - **Work type:** hybrid - **Posted:** 2026-08-26 - **Last confirmed live:** 2026-09-11 - **Apply:** https://jobs.ashbyhq.com/lendable/3f030044-f3ee-4922-a5a7-7ad466ce535c ## Job description ## About Lendable Lendable is on a mission to build the world's best technology to help people get credit and save money. We're building one of the world’s leading fintech companies and are off to a strong start: - One of the UK’s newest unicorns with a team of just over 700 people - Among the fastest-growing tech companies in the UK - Profitable since 2017 - Backed by top investors including Balderton Capital and Goldman Sachs - Loved by customers with the best reviews in the market (4.9 across 10,000s of reviews on [Trustpilot](https://uk.trustpilot.com/review/lendable.co.uk)) So far, we’ve rebuilt the Big Three consumer finance products from scratch: loans, credit cards and car finance. We get money into our customers’ hands in minutes instead of days. We’re growing fast, and there’s a lot more to do: we’re going after the two biggest Western markets (UK and US) where trillions worth of financial products are held by big banks with dated systems and painful processes. Join us if you want to - Take ownership across a broad remit. You are trusted to make decisions that drive a material impact on the direction and success of Lendable from day 1 - Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo - Build the best technology in-house, using new data sources, machine learning and AI to make machines do the heavy lifting ## About the Role We are looking for a meticulous and curious Fraud Investigations Associate to serve as our primary defense against identity theft and organized fraud rings. While our FinCrime team sets the high-level policy, you are the investigator in the trenches, identifying synthetic identities and stopping fraudsters before they can enter our ecosystem. In this role, you will handle the "pre-onboarding" and "post-onboarding" lifecycle for both our U.S. personal loans and credit card products. You’ll be tasked with uncovering complex fraud patterns—ranging from simple ID theft to sophisticated, large-scale fraud rings. This is a role for someone who loves "connecting the dots" and protecting both the company’s bottom line and our customers' identities. ## What You’ll Be Doing - Identity & Application Fraud: Investigate suspicious applications at the point of onboarding to detect synthetic identities and third-party identity theft. - Special Investigations: Conduct deep-dive investigations into suspected fraud rings and organized criminal activity, collaborating closely with senior leadership on high-stakes cases. - Case Management & KYC: Manage the end-to-end investigation of suspicious activity. Gather "Know Your Customer" (KYC) documentation and prepare comprehensive case files for SAR consideration by the 2LoD team. - Screening: Perform the initial clearing of Sanctions and PEP alerts, ensuring we are not facilitating prohibited transactions. - Consumer Protection: Handle CFPB and Credit Reporting Agency (CRA) disputes specifically related to fraud claims, ensuring fair and timely resolution for victims of identity theft. - Customer Outreach: Communicate directly with U.S. consumers to verify identity details and confirm the legitimacy of high-risk applications. ## What We’re Looking For - Investigative Grit: 2+ years of experience in fraud investigations, specifically within U.S. fintech, personal loans, or credit cards. Or, equivalent FinCrime investigative experience in US Law Enforcement. - Technical Literacy: Experience using identity verification tools like Alloy or Socure. You know how to read an identity report beyond just the "Pass/Fail" score. Familiar with ID databases, how to navigate them, and how to conduct thorough investigations for fraud patterns. - Detail Oriented: Ability to document complex investigations clearly so that business leadership, regulators and bank partners can easily follow your logic. Regulatory Knowledge: Understanding of the FCRA (Fair Credit Reporting Act) and how it pertains to fraud disputes and consumer protection. Salary - $80,000 to $120,000 per year Life at Lendable - Winning team: the opportunity to scale up one of the world’s most successful fintech companies - Flexible working: flexible approach tailored to each role. Hybrid roles require three days in-office weekly; fully remote roles include regular opportunities for in-person connection through socials and off-sites - Socials & connection: opportunities and events to come together, socialise, and get to know each other beyond the office walls - Health coverage: support for your physical and mental wellbeing, including private health cover - Retirement & savings: long-term financial wellbeing through retirement savings plans - Employee referral programme: earn a competitive bonus when you refer successful new team members - Office meals & snacks: enjoy a fully stocked kitchen, plus complimentary lunches prepared by in-house chefs on in-office days at select locations - Sustainable commuting: cycle-to-work and electric vehicle salary sacrifice schemes available in select locations Please note: The availability and details of specific benefits vary by location and role. For more information, please speak to your Talent Partner. Check out our [blog](https://blog.lendable.co.uk/)! ## About Lendable ## Company Overview - **One-liner**: Lendable is a British fintech company that uses AI and open banking data to provide fast, transparent personal loans, credit cards, and car finance. - **Entity Type**: Private (Unicorn, last valued at ~£3.5 billion in March 2022) - **Headquarters**: London, England, United Kingdom - **Founded**: 2014 - **Founders**: Martin Kissinger, Victoria van Lennep, Paul Pamment, Jakob Schwarz ## Core Business - **Primary industry**: Financial Technology (Consumer Finance) - **Target customers**: B2C (prime and near-prime borrowers in the UK, US, and Mexico) - **Mission or purpose**: To challenge a stale and archaic loans and credit industry by making smart borrowing cheaper, more transparent, and more accessible for responsible people. ## Products & Services - **Lendable**: The original fast, transparent personal loan platform. Offers instant eligibility checks and guaranteed rates up front, with funds transferred instantly upon approval. Uses open banking and AI to see customers as individuals, not just credit scores. - **Zable**: A financial superapp that combines borrowing, saving, money management, credit score building, and smarter deals for utilities, mobile contracts, and insurance. Includes the Zable Credit Card and Zable Loans. - **Autolend**: A car finance product bringing Lendable’s transparency and speed to the auto finance market. - **Zable Mobile**: A mobile plan launched in partnership with Gigs in October 2025, the first mobile plan by a fintech in Britain. ## Market Standing - **Valuation/Market Cap**: ~£3.5 billion (as of March 2022 funding round) - **Key Metric**: Revenue of £446 million (2025); Profitable since 2017 - **Notable Investors/Partners**: Ontario Teachers' Pension Plan Board (lead investor in £210M round), Balderton Capital, Waterfall Asset Management, Goldman Sachs, Passion Capital - **Growth Signals**: Number 1 issuer of personal loans in the UK by volume; number 2 credit card issuer in the UK (2025); expanded to the US (2021) and Mexico (2026); launched Zable Mobile (first fintech mobile plan in the UK); 800+ employees; 100,000+ Trustpilot reviews with a 5.0* rating; billions in annual originations. ## Competitive Advantages - **Proprietary AI & Open Banking**: Uses the deepest open banking dataset in the market and advanced AI models to see customers as individuals, not just credit scores, enabling instant, guaranteed rates and higher approval rates for responsible borrowers. - **Market Leadership**: The number 1 issuer of personal loans in the UK and number 2 credit card issuer, with a track record of profitable growth since 2017. - **Customer Experience**: 5.0* rating from 100,000+ Trustpilot reviews, driven by a fully digital, hassle-free, and transparent process with no bait-and-switch. - **Technology-First Platform**: A proprietary platform that automates everything from instant credit decisions to saving customers money with tailored offers, operating as a two-sided marketplace for institutional investors. ## Strategic Focus - **International Expansion**: Expanding into new markets, with recent entry into Mexico (2026) and existing operations in the UK and US. - **Product Ecosystem Growth**: Deepening the Zable superapp ecosystem to include mobile plans (Zable Mobile), car finance (Autolend), and more, creating a single platform for all financial decisions. - **AI & Data Leadership**: Continuing to invest in proprietary AI models and open banking datasets to maintain a competitive edge in credit decisioning and customer personalization. - **Market Share Capture**: Targeting the £40bn car finance market and further penetrating the US and Mexican markets. ## Why Work Here - **Culture**: Described as dynamic, driven, and fast-paced, with a focus on low ego, high ownership, and meaningful impact. The team of 800+ spans 45 nationalities and speaks 32 languages. - **Work Style**: Small teams of exceptional people who are trusted to take ownership and make decisions from day one. Emphasis on building the best technology in-house using new data sources, ML, and AI. - **Perks**: Regular social events, often involving food. A 4.3* average score on Glassdoor. - **Location**: Offices in London, Kent (UK), and New York City (US). Hybrid/office policy not explicitly stated but likely flexible given the international team. - **Engineering Culture**: Focus on building proprietary technology, using new data sources, machine learning, and AI to automate processes. Engineers are trusted to take ownership and drive material impact. ## Sources 1. [lendable.co.uk](https://www.lendable.co.uk/) 2. [careers.lendable.com](https://careers.lendable.com/) 3. [lendable.com](https://www.lendable.com/) 4. [lendable.co.uk/about](https://www.lendable.co.uk/about) 5. [en.wikipedia.org](https://en.wikipedia.org/wiki/Lendable) ## Other roles at Lendable - [Analyst](https://feeny.ai/job/analyst-lendable-london-erzd1kdpdzwa) — London, United Kingdom - [Senior Commercial Analyst](https://feeny.ai/job/senior-commercial-analyst-lendable-london-0m9a7p5z99rc) — London, United Kingdom - [Growth Partnership Executive](https://feeny.ai/job/growth-partnership-executive-lendable-london-yz1c8vftcfds) — London, United Kingdom - [Recoveries Agent (Autolend)](https://feeny.ai/job/recoveries-agent-autolend-lendable-chatham-dekcssg5j34a) — Chatham, United Kingdom - [Talent Acquisition Partner - Operations](https://feeny.ai/job/talent-acquisition-partner-operations-lendable-london-dwfxq8mg69tj) — London, United Kingdom - [Senior Python Engineer (Full Stack)](https://feeny.ai/job/senior-python-engineer-full-stack-lendable-london-paqyhczfynzw) — London, United Kingdom - [Senior Full Stack Engineer](https://feeny.ai/job/senior-full-stack-engineer-lendable-london-javqbhs7vxm0) — London, United Kingdom - [Data Platform Engineer](https://feeny.ai/job/data-platform-engineer-lendable-london-eq8eknc9em4f) — London, United Kingdom - [Talent Acquisition Manager - Operations](https://feeny.ai/job/talent-acquisition-manager-operations-lendable-london-772337tgtwkv) — London, United Kingdom - [Customer Support Agent (Mexico - Credit Card Team)](https://feeny.ai/job/customer-support-agent-mexico-credit-card-team-lendable-mexico-city-bypkf28kadbx) — Mexico City, Mexico