Fraud Analyst

Citizens Alliance Bank

Location: Clara City, MN

Job Title: Fraud Analyst

The Fraud Analyst is responsible for assisting in the monitoring and analysis of various processes for fraudulent activity; processing and resolving of customer disputes, working to recover losses and working with the Operations, Card Services, and Risk Management departments to establish adequate controls.

• Assist in monitoring and analysis of processes for fraudulent activity; processing and resolving of customer disputes.
• Recover losses and work with Operations, Card Services, and Risk Management departments to establish adequate controls.
• Investigate and process Regulation E Claims (ACH/card disputes).
• Investigate and complete Garnishments, Levies, Subpoenas, and other requests.
• Review mobile deposit items according to procedures and properly handle suspicious items.
• Perform detailed research, analysis, and due diligence of fraud claims.
• Ensure adherence to applicable bank policies, federal and state laws, anti-money laundering, Regulation CC, Regulation E, UCC, and Gramm‑Leach‑Bliley.
• Uphold a positive customer experience while adhering to fraud and loss prevention policies.
• Maintain accurate and complete documentation of all information necessary for the investigation.
• Build knowledge and basic skills required to identify fraudulent activity through training, research of department policies, procedures, external regulations, and analytic techniques.
• Analyze account history and transaction history.
• Assist with development and implementation of a fraud framework and program to detect and monitor fraud.
• Collaborate on development of controls to prevent fraud losses.
• Assist with investigations of fraud incidents and collaborate with appropriate departments to identify and address root causes.
• Collaborate closely with the BSA Department to ensure appropriate suspicious activity reporting is completed.
• Serve as subject matter expert regarding fraud functions, systems, and policies.
• Regular attendance and punctuality when reporting to work.
• Travel for trade and industry schools and seminars as needed.
• May require installation of a Multi-Factor Authentication (MFA) app on a personal mobile device.
• Adhere to all applicable, federal, and state laws, regulations, and guidance, including those related to BSA/AML.
• Perform other duties as assigned and requested.

Humility - We are “blue-collar bankers”. We are relatable, down-to‑earth people who greet our smallest customer the same way we greet our largest.
Respectful, Genuine Care for Others - We care about each other, we care about our customers, and we care about our communities.
Finds A Way - This simply put, is nothing more than attitude. It’s a can‑do spirit, a desire to help, to contribute, to go above and beyond, and to make a difference.
Effort - We expect a lot of ourselves and hold ourselves to a high standard. We are not entitled, and we need to earn it from our customers and each other every day.
Owning‑It - Owning‑It or Accountability is a big word that can encompass a great many things. For Citizens Alliance Bank, it’s about ownership. When an employee says they will do something, they follow through and get it done.

• High School diploma or GED.
• Continuing Education to maintain job knowledge.
• Three to Five years of banking experience.
• Three to Five years of customer service experience (preferred).
• Proficiency in Microsoft Suites (preferred).

03/10/2026

Citizens Alliance Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, age, religion, gender, sexual preference or orientation, gender identity, gender expression, national origin, disability, veteran status and all other protected classes.

The employer has the right to revise this position description at any time. The position description is not a contract for employment.