Senior Fraud Analyst

Position Summary

The Senior Fraud Analyst serves as the Bank’s primary fraud subject matter expert and independently leads the day-to-day monitoring, investigation, prevention, and mitigation of fraud risk across business lines and delivery channels. This hands‑on individual contributor owns complex fraud matters and helps advance the Bank’s fraud processes, controls, technology, analytics, reporting, and education.

• 401(k) matching
• Paid time off

• Analyze fraud trends, loss data, customer behavior, and emerging schemes to identify control gaps and recommend practical risk mitigation strategies.
• Develop and maintain fraud reporting, dashboards, metrics, and key risk indicators that provide clear insight into exposure, losses, recoveries, and control effectiveness.
• Conduct and support fraud risk assessments and translate findings into prioritized improvements to detection, monitoring, workflows, and operational controls.
• Provide informed recommendations on fraud risks affecting financial services, payment systems, digital banking channels, products, and customer experiences.

• Serve as the primary business owner and subject matter expert for fraud detection and monitoring systems, including administration, testing, rule tuning, workflow design, optimization, and effectiveness reviews.
• Lead business participation in the implementation and enhancement of fraud prevention technology, rules, workflows, case management, and automation tools.
• Partner with vendors, Information Technology, Operations, and business stakeholders to resolve issues, improve detection capabilities, and increase operational efficiency.

• Develop, document, and maintain fraud policies, procedures, standards, playbooks, escalation protocols, and investigation practices.
• Help establish consistent fraud intake, case management, escalation, loss tracking, recovery, reporting, and quality review processes.
• Identify opportunities to strengthen fraud governance, accountability, enterprise awareness, and coordination across business units.
• Represent fraud expertise on cross-functional initiatives involving payments, digital banking, products, operational risk, customer security, or process changes.

• Serve as a trusted fraud resource for employees by providing timely guidance, consultation, training, and awareness resources.
• Develop and support customer education and fraud awareness materials in partnership with appropriate business areas.
• Build and maintain working relationships with peer financial institutions, industry groups, law enforcement agencies, vendors, and fraud prevention organizations to exchange information and stay current on emerging threats.

• Monitor and investigate suspected fraud involving debit cards, ACH, wires, checks, mobile deposits, new accounts, identity theft, synthetic identities, account takeover, scams, and other channels or schemes.
• Review system alerts, reports, transactions, account activity, and supporting documentation to identify suspicious patterns, determine risk, and take timely action.
• Coordinate complex fraud cases from intake through resolution, including documentation, escalation, customer communication, internal coordination, recovery efforts, and referral to law enforcement or other external parties when appropriate.
• Administer the Bank’s debit card dispute process and coordinate with cardholders, vendors, merchants, and other parties to support accurate and timely resolution.
• Take or recommend appropriate loss‑mitigation actions, including account holds, access restrictions, transaction returns, indemnification requests, and other…