Analyst II - BL Risk Auto Fraud Investigator

The Opportunity

The Auto Fraud Investigator provides investigative and fraud risk support for the Automotive Finance Line of Business, focusing on the detection, investigation, and mitigation of external financial crimes. The position is responsible for planning and executing complex investigations, analyzing customer and transactional data, evaluating control effectiveness, and ensuring compliance with applicable regulations and enterprise standards. The role partners closely with Legal, Compliance, Risk, Audit, EFSI, and law enforcement to address higher-risk matters, implement effective countermeasures, and reduce future loss exposure. Through thorough analysis, clear investigative reporting, and proactive collaboration, this position supports informed decision-making, regulatory reporting, portfolio risk management, and enterprise-wide fraud prevention efforts while maintaining a strong understanding of automotive finance operations and emerging fraud trends

At this time, Ally will not sponsor a new applicant for employment authorization for this position

The Work Itself

• Provide investigative and fraud risk support for the Automotive Finance Line of Business, including investigation of external financial crimes and preparation of reports for senior leadership and FinCEN.
• Plan and execute financial crime investigations by gathering facts and evidence, applying sound judgment and investigative techniques, and assessing the effectiveness of existing controls.
• Conduct in-depth research and analysis using internal customer and transaction systems, and collaborate with industry peers, vendors, and law enforcement as appropriate.
• Evaluate investigative findings, determine the need for additional activity, and communicate outcomes to referring partners and leadership.
• Prepare clear, independent, and confidential investigative reports documenting findings, risks, and control gaps, with recommendations for improvement.
• Ensure compliance with applicable laws, regulations, enterprise policies, and standards established by Enterprise Fraud, Security, and Investigations.
• Maintain current knowledge of fraud schemes, investigative techniques, privacy laws, banking regulations, and incident response procedures, with strong understanding of automotive business practices.
• Partner closely with Legal, Compliance, Risk, Audit, Human Resources, LOB representatives, EFSI, and law enforcement on complex or high-risk investigations.
• Implement countermeasures and mitigation strategies to prevent future losses and reduce fraud risk exposure.
• Coordinate with internal teams to support recovery efforts, including repossessions, restitution, assumptions, and insurance claims.
• Support portfolio-level risk management by maintaining and implementing Consumer Auto risk appetites aligned with enterprise guidance.
• Participate in industry fraud conferences and forums and share emerging trends and best practices with internal stakeholders.

The Skills You Bring

Minimum Qualifications:

• 1+ years of experience
• High School Diploma or GED equivalent

Preferred Qualifications:

• 3+ years’ experience in fraud investigations/Consumer Fraud Industry experience (auto, card, mortgage, etc.)
• Certification in area of specialization-CFE (Certified Fraud Examiner Certification) or equivalent-strongly preferred.
• Should have knowledge of auto and bank fraud investigative techniques preferred.
• Work cooperatively with EFSI and collaborate on higher risk investigations, some interaction may be necessary with other industry partners and/or local, state and federal authorities.
• Understanding of risk management concepts and key performance drivers within consumer lending portfolios.
• Strong understanding of the threats relating to both direct and indirect auto financing operations
• Excellent organizational, management, and communications skills
• Ability to foster collaborative work partnerships and influence people at all organizational levels
• Relationship management with the ability to influence without authority.
• Must have knowledge of fraud risks and schemes
• Demonstrates the ability to work collaboratively and effectively at all levels of the organization
• Associate/Bachelor’s/MBA degree in Business, Finance, Economics, Mathematics or Statistics preferred.

How We'll Have Your Back

Ally's compensation program offers market-competitive base pay and pay-for-performance incentives (bonuses) based on achieving personal and company goals. Our Total Rewards program includes industry-leading compensation and benefits plus additional incentives that are designed to meet your needs and those of your family so you can get the most out of your career and your life, including:

• Time Away: Program starts at 20 paid time off days in addition to 11 paid holidays and 8 hours of volunteer time off yearly (time off days are prorated based on start date and program varies based on full or part-time status and management level).
• Planning for the Future: plan for the near and long term with an industry-leading 401K retirement savings plan with matching and company contributions, student loan pay downs and 529 educational save up assistance programs, tuition reimbursement, employee stock purchase plan, and financial learning center and financial coach access.
• Supporting your Health & Well-being: flexible health and insurance options including medical, dental and vision, employee, spouse and child life insurance, short- and long-term disability, pre-tax Health Savings Account with employer contributions, Healthcare FSA, critical illness, accident & hospital indemnity insurance, and a total well-being program that helps you and your family stay on track physically, socially, emotionally, and financially.
• Building a Family: adoption, surrogacy and fertility assistance as well as paid parental and caregiver leave, Dependent Day Care FSA back-up child and adult/elder care days and childcare discounts.
• Work-Life Integration: other benefits including Mentally Fit Employee Assistance Program, subsidized and discounted Weight Watchers® program and other employee discount programs.
• Other compensations: depending on the role for which you are considered, you may be eligible for travel allowances, relocation assistance, a signing bonus and/or equity.