Fraud Analyst

About the role

Till is a banking platform designed specifically for families, offering debit cards, accounts, and tools to help parents raise financially capable children. The company was recently acquired by Western & Southern Financial Group, a Fortune 500 company with over $132 billion in assets and 6.3 million customers.

This is a unique opportunity to join a mission-driven fintech company at a pivotal moment. With the support of Western & Southern Financial Group, Till has the resources to grow ambitiously while maintaining its agile and focused culture. You'll have significant ownership and influence from day one.

Responsibilities

• Monitor real-time and batch transaction queues for suspicious or anomalous activity.
• Investigate fraud alerts generated by internal rules engines and third-party tools (e.g., Sift, Astra, Plaid).
• Suspicious activity escalation and reporting; maintain audit-ready case records.
• OFAC screening review at onboarding and continuously.
• Track fraud trends and propose rule-tuning to reduce false positives without sacrificing detection.
• Identify gaps in our fraud detection program and propose process improvements.
• Coordinate with Customer Service (via Zendesk) on account holds, dispute resolutions, and Reg E timelines.
• Partner with Product and Engineering on customer-facing fraud controls, and surface fraud risks early in the product development cycle.
• Support BSA/AML audits, regulatory exams, and internal testing.
• Cross-coverage on identity verification and KYC reviews (Cognito), Plaid name-mismatch reviews, and watchlist administration as needed.
• Prepare recurring fraud metrics and loss reporting for leadership.

Requirements

• 4+ years of experience in fraud operations, financial crimes, AML compliance, or banking operations.
• Working knowledge of BSA/AML fundamentals — SARs, UARs, OFAC, CIP/CDD — and an interest in deepening that expertise.
• Strong analytical mindset; comfort working with transaction data, identifying patterns, and explaining your reasoning in writing.
• Clear written communication — case narratives, escalation memos, and process documentation are core deliverables.
• A high attention to detail and the judgment to flag ambiguous cases for escalation rather than rubber-stamping.
• Comfort operating in a fast-paced, evolving environment.
• Bachelor's degree required. Preferred: Hands-on experience with Sift, Socure, Cognito, Plaid, Astra, Zendesk, or comparable fraud, identity, and customer support tooling. Familiarity with sponsor-bank-model fintech operations (BaaS). Experience drafting SARs or UARs. Experience reviewing identity documentation for authenticity. SQL or basic data tooling familiarity (Metabase or comparable).
• ACAMS, CFE, or in-progress certification.

Qualifications

• Compensation & Benefits
• Base salary range: $70,000 - $105,000 USD, depending on experience and location.
• Annual bonus based on experience.
• Health, dental, and vision coverage.
• HSA with company contribution.
• Parental leave.
• Flexible time off.
• Remote-first, NYC preferred for occasional in-person collaboration.

Company Information

• Till is an equal opportunity employer.
• We're building a team that reflects the families we serve and welcome candidates from all backgrounds, identities, and experiences.
• Candidates must be authorized to work in the United States. Till Financial is not able to sponsor employment visas (e.g., H-1B) at this time.