Fraud Investigator- Device Financing (Mobile Phones)

MOGO Auto Limited is part of Eleving Group, an international fintech company operating in sixteen countries across three continents. We are a world-class, reliable, and internationally trusted partner, expanding access to finance in Kenya to promote upward social mobility. Our portfolio encompasses a range of financial products, including car financing, motorcycle financing, tuk-tuk financing, electric motorcycle financing, logbook loans, and vehicle financing.

Since entering the Kenyan market in 2019, we have financed over 100,000 vehicles and served over 50,000 satisfied customers. In June 2024, our new motorcycle financing issuances surpassed the 230 million Kenya shilling mark. 

Our growth is attributed to a focused market growth strategy, a strong emphasis on data and technology, and robust risk management structures. We process loan requests within 24 hours and offer flexible repayment terms of up to 60 months.

Our mission is to provide convenient and affordable financing solutions to our customers, backed by a lowest price guarantee. 

MOGO is one of the few financial companies globally that finances cars of any age, brand, or model. We empower our customers to choose vehicles from trusted dealerships through our user-friendly online car portal. 

Mogo Auto Limited recently signed a commitment letter with Development Finance Corporation (DFC), for a $10 million loan to finance electric vehicles in Kenya. 

Our goal is to facilitate upward social mobility across Kenyan communities by providing innovative and sustainable financial solutions. We strive to build mutually beneficial partnerships with our customers, helping them find the best deals and guiding them through the purchasing process. 

Join us - you'll love working in a collaborative and non-bureaucratic environment that is fun yet stable and sustainable.

Job Summary:

The Fraud Investigator – Device Financing is responsible for identifying investigating, preventing, and mitigating fraud associated with mobile phone/device financing operations.

The role is responsible for conducting complex fraud investigations, identifying fraudulent customers and networks, investigating dealership and sales-agent irregularities, supporting device recovery, analyzing evidence and fraud patterns, and implementing measures to reduce fraud losses and protect company assets.

Key Responsibilities:



1. Fraud Investigation & Case Management:

• Conduct end-to-end investigations into suspected fraud, KYC violations, identity misuse, customer onboarding irregularities and other suspicious activities relating to device financing.
• Investigate high-risk, delinquent and potentially fraudulent financed-device accounts to establish the underlying circumstances and determine potential fraud exposure.
• Develop investigation plans, gather relevant evidence, conduct interviews and verification activities, analyse findings and document conclusions.
• Establish relationships between registered customers, actual device users, dealerships, sales agents and other relevant parties.
• Assess the nature, extent and impact of identified fraud and recommend appropriate corrective and preventive actions.
• Maintain accurate and confidential investigation case files, evidence records and supporting documentation.

2. Customer Verification & Field Investigations:

• Conduct customer verification and field investigations to establish customer identity, ownership, possession and actual use of financed devices.
• Verify customer information, residential or business details, employment or other relevant information where required as part of investigations.
• Conduct physical device tracing and verification in cases involving suspected fraud, non-payment, identity misuse or disputed ownership.
• Identify inconsistencies between customer records, actual users, financing information and field findings.
• Obtain and document relevant statements, photographs, records and other evidence in accordance with investigative procedures.

3. Fraud Analytics & Risk Assessment:

• Analyse FMS alerts, customer profiles, financing records, repayment behaviour, KYC documentation and other available data to identify suspicious patterns.
• Identify identity discrepancies, unusual account behaviour, potential document manipulation and attempts to circumvent device-financing controls.
• Review customer and account information to identify links and patterns indicative of organised or recurring fraud.
• Conduct risk assessments on suspicious accounts, dealerships and sales agents and determine appropriate escalation thresholds.
• Support the identification and analysis of emerging fraud trends and typologies.

4. KYC & Dealership Compliance Investigations:

• Conduct targeted dealership compliance investigations and mystery-shopping exercises to assess adherence to KYC and customer onboarding requirements.
• Identify KYC breaches, including ID mismatches, inadequate customer verification, missing onboarding evidence and incomplete documentation.
• Investigate cases involving third-party customer onboarding, proxy applications, suspicious customer details and potential collusion between customers, agents and dealerships.
• Assess dealership and sales-agent adherence to established customer due-diligence and device-issuance procedures.
• Provide recommendations for corrective action, enhanced monitoring, suspension or further investigation where material control breaches are identified.

5. Evidence Gathering & Forensic Review:

• Collect, preserve and analyse investigative evidence required to support fraud cases.
• Extract and review CCTV footage to establish events, identify persons involved and corroborate investigative findings.
• Review documentation, system records, communications, customer information and other available evidence to establish facts.
• Ensure investigative evidence is properly documented and traceable to support internal decision-making and potential recovery or enforcement action.
• Escalate cases requiring specialised forensic examination or further legal assessment.

6. Investigation Reporting & Recommendations:

• Prepare comprehensive investigation reports detailing allegations, methodology, evidence reviewed, findings, risk assessment and conclusions.
• Provide clear, objective and evidence-based recommendations to management and relevant control functions.
• Recommend appropriate actions, including customer re-verification, enhanced monitoring, account restrictions, dealership suspension, forensic review, recovery action or further escalation.
• Present significant investigation findings to relevant stakeholders and management when required.
• Ensure investigation reports are completed accurately, objectively and within established timelines.

7. Fraud Prevention & Control Improvement:



• Identify recurring fraud typologies, control gaps and weaknesses across the device-financing lifecycle.
• Provide actionable intelligence and recommendations to strengthen KYC, customer due diligence, onboarding, device issuance and fraud-prevention controls.
• Support the development and enhancement of fraud-prevention measures based on investigation findings and emerging risk trends.

Qualifications and Experience:

• Graduate from a recognized university with a degree in Criminology, Forensic Science, Security Management, Law, Business Administration, Finance, or a related field.
• Minimum of 6 years' professional experience with the Directorate of Criminal Investigations (DCI) or equivalent senior investigative/law-enforcement experience.
• Demonstrated experience in conducting complex criminal, financial, fraud, or forensic investigations.
• Experience investigating fraud involving mobile phones, device financing, financial services, fintech, telecommunications, banking, or related sectors is highly desirable.
• Professional certification in fraud examination, forensic investigations, AML, compliance, or a related field is an added advantage.
• Strong knowledge of investigative procedures, evidence handling, interviewing techniques, intelligence gathering, and report writing.
• Good understanding of KYC, fraud risk management, financial crime, and relevant legal and regulatory frameworks.
• Proficiency in Microsoft Office applications and investigation/reporting systems.

Skills and Competencies:

• Advanced fraud investigation and analytical skills.
• Strong intelligence gathering and investigative interviewing skills.
• Ability to identify fraud patterns, linkages, and organized fraud networks.
• Strong evidence analysis and case-building capabilities.
• Knowledge of mobile phone/device financing fraud risks and device security.
• Excellent report-writing and documentation skills.
• Strong problem-solving and decision-making abilities.
• Excellent communication and stakeholder-management skills.
• High level of integrity, confidentiality, professionalism, and ethical conduct.
• Ability to work independently and handle complex and sensitive investigations.
• Ability to work under pressure and meet investigation deadlines.
• Strong negotiation and conflict-resolution skills.
• Ability to liaise effectively with law enforcement and other external stakeholders.
• Willingness to undertake field investigations, surveillance, and travel when required.

Key Performance Indicators (KPIs):

• Number and value of fraud cases successfully investigated and resolved.
• Reduction in fraud losses arising from mobile/device financing.
• Number of fraudulent applications and suspicious activities detected.
• Number of fraud networks, repeat offenders, and fraudulent actors identified.
• Value and number of fraudulently obtained devices successfully recovered.
• Timeliness and quality of investigation reports.
• Number of fraud control weaknesses identified and successfully mitigated.
• Effectiveness of fraud prevention and detection measures implemented.
• Compliance with KYC, fraud prevention, investigation, and company policies.
• Successful collaboration with internal teams and law enforcement agencies.

Working Conditions:

• Frequent field investigations, customer visits, dealership inspections, surveillance, and device verification activities.
• May require extensive travel and flexible working hours, including work outside normal business hours.
• May involve interaction with suspected fraudsters, difficult customers, fraudulent agents, and other high-risk individuals.
• Exposure to potentially challenging investigative and security situations requiring sound judgment, professionalism, discretion, and adherence to safety procedures.
• Requires strict confidentiality when handling customer information, intelligence, evidence, investigation records, and sensitive company data.
• Requires regular coordination with DCI, Kenya Police Service, and other law enforcement and regulatory stakeholders.

Feel Good

• A friendly and dynamic work environment
• An excellent well-being program:
• Health insurance (after probation period)
• Pension scheme (after probation period)
• Active social life and events

Win

• Fast results without the friction of bureaucracy
• Great victories due to the transparency of the company and its goals
• Bonuses and awards for the great work
• Participate in victory celebrations with your co-workers

Grow

• Together with an intelligent team
• Yourself and the company with the established feedback culture
• Your knowledge with training possibilities