Consumer Protection and Risk Analyst bei Kawasaki Motors Retail Finance

Kawasaki Motors Retail Finance is seeking a highly motivated and detail-oriented Consumer Protection and Risk Analyst with robust AML experience to join our dynamic, fast-growing startup captive finance company specializing in installment loans for the powersports industry across all 50 states. This is a pivotal role at the crossroads of compliance, fraud prevention, and customer protection, ideal for someone passionate about early fraud detection, risk mitigation, and regulatory excellence in a fast-paced environment. As a Fraud and FCRA Analyst, you will play a vital role in overseeing regulatory and investigative functions related to fraud and credit reporting. This includes managing FCRA compliance activities such as e-OSCAR credit disputes, Metro 2 reporting, debt validations, subpoena responses, OFAC screenings, and AML oversight. You’ll also lead and support fraud investigations, working directly with fraud victims, government agencies, law firms, law enforcement, dealer partners, and internal stakeholders to ensure appropriate action is taken and compliance standards are upheld. Your expertise will help shape and maintain our internal fraud detection policies, workflows, and job aids, while identifying trends, red flags, and emerging risks that may impact our operations. This role is a critical part of our risk and compliance strategy and will directly contribute to protecting both the company and its customers from financial crimes. This position will report to the Sr. Group Manager, Servicing Operations.

Key Responsibilities:

• Act as the subject matter expert (SME) on FCRA, Anti-Money Laundering (AML), and fraud-related compliance matters across all 50 states.
• Investigate and resolve suspected fraud cases and customer claims related to installment loans, ensuring timely and accurate resolution.
• Develop, enhance, and maintain internal job aids, workflows, and procedures to support FCRA and AML-related activities.
• Manage all FCRA-related processes, including handling e-OSCAR disputes (electronic and written), Metro 2 file formatting and submissions, and debt validation requests.
• Respond to subpoenas and coordinate with legal and compliance teams to ensure accurate, thorough, and timely information delivery.
• Conduct OFAC and AML screenings and participate in regular audits to ensure continued compliance with federal and state regulations.
• Perform quarterly OFAC audits on dealers and vendors, documenting findings and ensuring follow-up on any corrective actions.
• Collaborate with fraud victims, internal departments, law enforcement, and dealer partners to investigate and escalate issues as appropriate.
• Analyze trends to detect emerging fraud schemes and recommend proactive strategies to mitigate potential risk.
• Maintain detailed and accurate case documentation using internal systems and compliance logs.
• Support the enhancement of fraud detection tools and policy development, particularly in a startup or fast-scaling environment.
• Hands-on experience with financial platforms, such as Loan Origination Systems (LOS), Loan Management Systems (LMS), familiarity with workflow tools and digital document management systems.
• Utilize platforms such as e-OSCAR, LexisNexis, CLEAR, TLO, and credit bureaus (TransUnion, Experian, Equifax) to assess reports, identify red flags, and flag early indicators of fraud.
• Demonstrate a strong understanding of TransUnion ECOA codes and proactively identify red flags in applicant and dealer behavior.
• Monitor and investigate potential dealer misconduct, assisting in dealer chargeback processes as needed.
• Contribute to AML risk assessments and the preparation of red flag reports.
• Deliver training sessions to the credit department on identifying fraud indicators and red flags to prevent financial losses.
• Partner closely with the credit team to review and respond to red flags, fraud alerts, and OFAC matches in real time.
• Prepare and submit Currency Transaction Reports (CTRs) and fulfill other AML obligations as required.
• Ensure full compliance with all internal policies and external regulatory requirements regarding AML, fraud prevention, and FCRA.
• Work in collaboration with legal and compliance teams to maintain adherence to federal and state consumer protection regulations.
• Support internal and external audits related to AML and FCRA by providing requested documentation and following up on corrective actions.
• Prepare and deliver regular monthly and quarterly reports to management and executive leadership summarizing fraud trends, risk exposure, and mitigation efforts.
• Perform other duties and special projects as assigned, adapting to the needs of a growing and evolving organization.

Qualifications:

• Associate’s degree in Finance, Business, or other related field preferred: equivalent work experience will be considered.
• Minimum of 3+ years of experience in fraud investigations, credit reporting compliance (FCRA), and BSA/AML within the financial services industry, preferably with a focus on consumer installment lending in the powersports or automotive sectors.
• Proven expertise in managing and resolving fraud claims, conducting complex investigations, and responding to suspicious activity.
• Strong knowledge of FCRA regulations, including experience with e-OSCAR dispute resolution, Metro 2 reporting standards, and debt validation processes.
• Demonstrated experience with AML compliance, including OFAC screenings, Currency Transaction Reports (CTRs), and AML risk assessments.
• Familiarity with key investigative tools and platforms such as LexisNexis, CLEAR, TLO, and credit bureau systems (TransUnion, Experian, Equifax), with the ability to interpret credit reports and identify early fraud indicators.
• Working knowledge of TransUnion ECOA codes and ability to recognize patterns of fraudulent activity and compliance red flags.
• Experience supporting subpoena responses, coordinating with legal and compliance teams, and ensuring regulatory documentation is timely and accurate.
• Strong ability to analyze data, detect fraud trends, and recommend strategies to mitigate potential risks and protect company assets.
• Excellent written and verbal communication skills, with the ability to collaborate effectively across internal teams, government agencies, law firms, law enforcement, and dealers.
• Experience developing and maintaining internal job aids, workflows, policies, procedures, and training materials to support fraud and compliance operations.
• Comfortable working in a startup or fast-paced environment, adapting quickly to change and contributing to the build out of scalable fraud prevention frameworks.
• Ability to conduct internal audits and support external regulatory audits, ensuring readiness, compliance, and appropriate follow-up on findings.
• Proven track record in preparing and presenting monthly and quarterly risk and compliance reports to management and executive leadership.
• Self-starter with a high degree of integrity, attention to detail, and commitment to protecting customer and company interests.
• Demonstrates a strong ability to handle confidential and sensitive information with the utmost discretion and professionalism, particularly while managing both internal and external investigations. Maintains strict confidentiality in accordance with legal, regulatory, and company standards, ensuring the protection of personal data, investigative findings, and proprietary business information. Exercises sound judgment, integrity, and ethical decision-making in all aspects of investigative and compliance-related activities.
• Promotes a positive, inclusive, and respectful team culture grounded in trust, transparency, and open communication. Consistently demonstrates professionalism, reliability, and a strong work ethic through punctuality and dependable attendance. Committed to fostering collaboration, integrity, and accountability, while actively contributing to a healthy, solution-driven work environment aligned with the company’s values and strategic objectives.
• Perform all other duties assigned to support the growth and operational excellence of the company.
• Ability to work on-site at our Foothill Ranch, CA office.

Profile Differentiators:

• Strong understanding of FCRA & BSA/AML and fraud-related compliance across all 50 states.
• Direct involvement in complex fraud investigations, red flag identification, and collaboration with legal teams and law enforcement.
• Hands-on experience with e-OSCAR dispute resolution, Metro 2 credit reporting, OFAC screenings, CTR filings, and AML risk assessments.
• Dynamic startup setting with the opportunity to build and scale robust fraud prevention frameworks from the ground up.
• Close coordination with internal teams, external partners, and regulatory bodies to ensure full compliance and efficient operations.
• High-impact role with responsibility for preparing and presenting fraud trends, risk exposures, and mitigation strategies to senior leadership.
• Ownership of compliance-related job aids, workflows, policies, and internal training initiatives.
• Active role in shaping and enhancing fraud detection systems, workflow tools, and compliance infrastructure.
• Operates with a strong foundation of trust, integrity, and ethical decision-making, fostering a respectful and professional work environment.
• Ideal for self-starters who thrive in fast-paced settings and are motivated to drive meaningful change in risk and compliance strategy.

Salary:

• Salary range: $75,000 - $88,000 annually, based on experience and qualifications.

KMRF is an Equal Opportunity Employer; employment with KMRF is governed on the basis of merit, competence and qualifications and will not be influenced in any manner by race, color, religion, gender, national origin/ethnicity, veteran status, disability status, age, sexual orientation, gender identity, marital status, mental or physical disability or any other legally protected status.