Navient (Nasdaq: NAVI) helps students and families confidently manage the cost of higher education. We create long-term value for customers and investors through responsible lending, flexible refinancing, trusted servicing oversight, and decades of portfolio management expertise. Our employees thrive in a culture of belonging, where they are supported and proud to deliver meaningful outcomes. Learn more at navient.com.

Responsibilities Include:

Conduct detailed investigations into flagged applications and suspicious behaviors.

• Analyze application data and supporting documentation to identify inconsistencies or anomalies.
• Perform root-cause analysis on flagged cases to determine whether fraud indicators are present.
• Document findings thoroughly to support decision-making and compliance requirements.

Use investigative tools and external data sources to verify customer information and assess risk.

• Leverage internal systems and third-party verification tools to confirm identity, income, and employment details.
• Cross-reference customer-provided data with public records, credit bureaus, and fraud databases.
• Assess risk levels based on patterns, historical data, and industry benchmarks.

Identify and escalate fraud patterns and recommend improvements to detection workflows.

• Monitor trends in fraudulent activity and proactively identify emerging schemes.
• Collaborate with data analytics teams to refine fraud detection models and rules.
• Provide actionable recommendations to enhance system alerts and reduce false positives.

Draft escalation summaries for review by Compliance, Risk, or Legal.

• Prepare clear, concise reports outlining investigation findings and rationale for escalation.
• Ensure documentation meets regulatory and internal audit standards.
• Communicate effectively with cross-functional teams to support timely resolution of cases.

Provide peer mentoring and assist with QA feedback.

• Offer guidance and best practices to junior staff during case reviews.
• Participate in quality assurance checks to ensure adherence to fraud detection protocols

MINIMUM REQUIREMENTS

• Some College. Additional equivalent experience above the required minimum may substitute.
• 1–3 years of fraud operations or risk investigation experience. Additional equivalent education above the required minimum may substitute.

PREFERRED QUALIFICATIONS

• Proven track record of accurate fraud casework and strong communication.
• Comfort using data and reporting tools in a high-volume environment.
• Previous exposure to personal loan or credit products.
• Experience with documentation review and fraud trend monitoring.
• Familiarity with tools such as Alloy, SentiLink, Socure.
• Experience mentoring peers or providing informal guidance.
• Familiarity with fraud regulations and red flags.

IMPORTANT NOTICES:

All offers of employment are contingent on standard background checks. Navient and certain of its affiliated companies are federal, state and/or local government contractors. Should this position support a Federal Government contract, now or in the future, the successful candidate will be subject to a background check conducted by the U.S. Government to determine eligibility and suitability for federal contract employment for public trust or sensitive positions. Positions that support state and/or local contracts also may require additional background checks to determine eligibility and suitability.

EOE Race/Ethnicity/Sex/Disability/Protected Vet/Sexual Orientation/Gender Identity. Navient Corporation and its subsidiaries are not sponsored by or agencies of the United States of America.

Navient is a drug free workplace.