The Fraud Investigator has an above average understanding, background and aptitude related to personal loan and credit card lending, collections, or fraud investigations with the ability to apply that understanding to handle fraud matters escalated from various referral sources. This position will operate in a fast-paced and high-volume environment to support and assist Fraud Managers and Senior Investigators in detecting and deterring fraud with specific efforts dedicated to preventing and/or recovering at-risk funds while pursuing criminal elements targeting our products and customers. The FI works closely with Fraud Managers, Senior Investigators, and all levels of management and a variety of departments (Branch Network, Centralized Operations, Credit Card Operations, Human Resources, Risk, Training, Legal and Operations, among others). In the Role Analysis, product, and operational knowledge, attention to detail, understanding of criminal law and the judicial processes, collaborative contacts in law enforcement and the industry along with investigative and interviewing skills. Collect and document investigational evidence in an accurate and timely manner to perform a proactive assessment and decisioning approach in coordination with FMs. Provide timely, accurate and formulated intelligence in support of fraud preventative assessments and decision making to minimize losses, protect our customers and safeguard the integrity of our products. Occasionally assist other members of the fraud team in various collateral project assignments. Initiate communication with individuals potentially affected by fraudulent activities or scams and perform a comprehensive root cause analysis to identify issues and contributing factors. Customer Interaction: Conduct outbound calls to customers to verify transaction legitimacy, clarify case details, and gather additional information to support investigations. Root Cause Analysis: Perform comprehensive root cause analysis to identify process gaps, control failures, or behavioral trends contributing to fraud incidents. Cross-functional Collaboration: Collaborate with cross-functional teams to resolve fraud cases and implement preventive measures. Fraud Pattern Analysis: Analyze fraud patterns and escalate high-risk cases with well-documented findings and recommendations. Requirements Minimum of 2 years’ experience in financial services (personal loan origination, credit card servicing and collection) or investigations/law enforcement. Some college preferred or equivalent work experience. Proficiency with basic office software and skills: MS Office – Word, Excel, and Outlook. Working knowledge of financial products and associated processes and an understanding of basic investigative procedures. A working knowledge of government/regulatory statutes as they relate to financial services and fraud. Effective communication skills - both verbal and written needed for casework and obtaining cooperation of other parties. Ability to work as part of a team and independently, as circumstances dictate. Judgmental skills necessary to escalate high-risk matters to Fraud Manager, Senior Investigator and/or management. Motivated and results oriented with ability to work remotely effectively. Able to multitask and handle a diverse and high-volume caseload. Location: Baltimore, MD Hybrid Schedule Tue-Wed-Thur Target base salary range is $50,000-70,000, which is based on various factors including skills and work experience. In addition to base salary, this role is eligible for a competitive compensation program that is based on individual and company performance. Who we Are OneMain Financial (NYSE: OMF) is the leader in offering nonprime customers responsible access to credit and is dedicated to improving the financial well-being of hardworking Americans. Since 1912, we’ve looked beyond credit scores to help people get the money they need today and reach their goals for tomorrow. Our growing suite of personal loans, credit cards and other products help people borrow better and work toward a brighter future. Driven collaborators and innovators, our team thrives on transformative digital thinking, customer-first energy and flexible work arrangements that grow lives, careers and our company. At every level, we’re committed to an inclusive culture, career development and impacting the communities where we live and work. Getting people to a better place has made us a better company for over a century. There’s never been a better time to shine with OneMain. Because team members at their best means OneMain at our best, we provide opportunities and benefits that make their health and careers a priority. That’s why we’ve packed our comprehensive benefits package for full- and some part-timers with: Health and wellbeing options including medical, prescription, dental, vision, hearing, accident, hospital indemnity, and life insurances Up to 4% matching 401(k) Employee Stock Purchase Plan (10% share discount) Tuition reimbursement Paid time off (15 days’ vacation per year, prorated based on start date) Paid sick leave as determined by state or local ordinance (prorated based on start date) 11 Paid holidays (4 floating holidays, prorated based on start date) Paid volunteer time (3 days per year, prorated based on start date) OneMain Holdings, Inc. is an Equal Employment Opportunity (EEO) employer. Qualified applicants will receive consideration for employment without regard to age, ancestry, citizenship status, color, creed, culture, disability, ethnicity, gender, gender identity or expression, genetic information or history, marital status, military status, national origin, nationality, pregnancy, race, religion, sex, sexual orientation, socioeconomic status, transgender or on any other basis protected by law. OneMain Financial (NYSE: OMF) is the leader in offering nonprime customers responsible access to credit and is dedicated to improving the financial well-being of hardworking Americans. Since 1912, we've looked beyond credit scores to help people get the money they need today and reach their goals for tomorrow. Our growing suite of personal loans, credit cards and other products help people borrow better and work toward a brighter future. In our more than 1300 community branches and across the U.S., team members help millions of customers solve critical financial needs, including debt consolidation, home and auto repairs, medical procedures and extending household budgets. We meet customers where they want to be - in person, by phone and online. At every level, we're committed to an inclusive culture, career development and impacting the communities where we live and work. Getting people to a better place has made us a better company for over a century. There's never been a better time to shine with OneMain.

Fraud Investigator.

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