Fraud Analyst- Ford Credit Bank

About the role

Join the Ford Motor Credit Company team as we build Ford Credit Bank, a de novo bank headquartered in Salt Lake City, Utah. This strategic addition to Ford Credit will create innovative banking solutions to help customers finance Ford vehicles, parts, accessories, EV infrastructure, and software, while offering competitive FDIC-insured savings accounts and certificates of deposit. As a Fraud Analyst, you’ll be part of an exciting team standing up the bank’s operations, ensuring its security and resilience from day one. Initially, you’ll be a Ford Credit employee, with the potential to transition to the new bank once established.

Responsibilities

• Monitor and investigate real-time fraud alerts across online banking platforms and payment systems (ACH, Wires, and Mobile Check Deposits).
• Monitor and investigate real-time account activity to detect and prevent fraud, abuse, and unauthorized access.
• Engage directly with customers to verify flagged transactions and resolve unauthorized activity with a focus on professional communication and customer experience.
• Work with internal stakeholders (Compliance, Legal, Cybersecurity) to remediate confirmed fraud and mitigate future risks.
• Process disputes and recover fraudulent funds.
• Other duties as assigned.

Requirements

• Bachelor’s degree in Business, Finance, Criminal Justice, or related field or equivalent work experience.
• Minimum of 3 years of experience in fraud analysis, financial crimes investigation, transaction monitoring, dispute/chargeback processing, or banking operations.
• General knowledge of different types of fraud characteristics (e.g., identity theft, unauthorized access).
• Excellent spoken and written English with the ability to manage conflict and challenge existing processes and controls.
• Working knowledge of Regulation E (Electronic Fund Transfer Act) and dispute resolution timelines/requirements.
• Understanding of BSA/AML basics and SAR filing triggers.
• Ability to manage a caseload independently and meet regulatory deadlines.
• Strong attention to detail and ability to handle confidential/sensitive information.

Preferred Qualifications

• Experience in a de novo, fintech, or high-velocity online banking environment.
• Strong data analytic skills with a methodical approach to problem-solving.
• Inquisitive nature with high attention to detail and the ability to work under pressure during critical payment investigations.
• Professional certifications such as Certified Fraud Examiner (CFE) are a plus.

Benefits

• Immediate medical, dental, vision, and prescription drug coverage.
• Flexible family care days, paid parental leave, new parent ramp-up programs, subsidized back-up child care, and more.
• Family building benefits including adoption and surrogacy expense reimbursement, fertility treatments, and more.
• Vehicle discount program for employees and family members and management leases.
• Tuition assistance.
• Established and active employee resource groups.
• Paid time off for individual and team community service.
• A generous schedule of paid holidays, including the week between Christmas and New Year’s Day.
• Paid time off and the option to purchase additional vacation time.

Pay

This position is a salary grade 5 and ranges from $65,100 to $109,300.

Schedule

This position is hybrid. Candidates who are in commuting distance to a Ford hub location may be required to be onsite four or more days per week.

Visa sponsorship is not available for this position. Candidates must be legally authorized to work in the United States. Verification of employment eligibility will be required at the time of hire.