Fraud Investigation, Analyst

Responsibilities

• Review and analyze complex fraud alerts, suspicious transactions, and elevated account activity across deposit and payment channels.
• Conduct deep analysis of transactional patterns, account behavior, relationship history, channel activity, and system data to identify fraud indicators.
• Handle complex fraud cases involving higher loss exposure, linked accounts, repeat fraud, ATO indicators, check fraud, scam activity, or unusual customer behavior.
• Apply advanced risk-based decision-making to determine when to restrict, monitor, escalate, or take other action within defined authority.
• Document detailed case findings, rationale, mitigation steps, customer contact efforts, and escalation actions with heightened accuracy and completeness.
• Identify indicators of organized fraud activity, repeat victimization, internal control gaps, or systemic risk requiring broader review.
• Escalate cases requiring full investigative review, expanded analysis, or law-enforcement-level inquiry to Fraud Investigators or management.
• Serve as a subject-matter resource for Fraud Prevention Analysts on complex cases, workflows, and judgment calls.
• Support quality control, procedural consistency, and documentation standards for higher-risk case handling.
• Partner with Deposit Operations, Branch Administration, Info Security, Physical Security, Risk, and other internal teams to resolve elevated fraud matters.
• Contribute to fraud trend analysis, workflow refinement, and process improvements.
• Maintain advanced awareness of emerging fraud typologies, complex scam activity, and evolving risk patterns.

Qualifications

• Associates degree in Criminal Justice, Business, Finance, Accounting, Risk Management, or a related field preferred; equivalent professional experience may be considered.
• 3-5 years of experience in fraud operations, fraud prevention, banking operations, Deposit Operations, fraud investigations support, or related financial services functions.
• Experience handling complex fraud cases involving higher loss exposure, linked accounts, repeat fraud, ATO indicators, check fraud, scam activity, or unusual customer behavior.