Sr. Fraud Strategies Analyst

We need to output HTML fragment with headings

for sections: About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. Only include sections that have real specific content. Must not repeat job title. Must not include Job ID etc. Must preserve all substantive info, remove boilerplate (cookie/navigation/legal/EEO/equal-opportunity/scam-warning boilerplate, duplicated lines, application instructions). Also must not create Pay/Schedule/Benefits sections unless posting actually states them. The posting includes pay scale and benefits details. So we can include Pay and Benefits sections. Schedule? Not mentioned; no schedule info. So omit Schedule. We need sections: About the role (maybe overall purpose), Responsibilities (essential functions), Requirements (minimum qualifications?), Qualifications (preferred qualifications?), Skills (maybe list of skills like SQL/SAS/Python, communication, etc). Benefits (healthcare, 401k, PTO, parental leave, etc). Pay (base pay scale). Also maybe include location/hybrid work model? Could be part of About the role or separate? Not required heading. Could include in About the role. We must not invent or summarize away detail. Must preserve all substantive info. So we need to include all details from the posting, except boilerplate. Let's extract content: Company intro: At Early Warning, we’ve powered and protected the U.S. financial system for over thirty years with cutting-edge solutions like Zelle®, Paze®, and so much more. As a trusted name in payments, we partner with thousands of institutions to increase access to financial services and protect transactions for hundreds of millions of consumers and small businesses. Positions located in Scottsdale, San Francisco, Chicago, or New York follow a hybrid work model to allow for a more collaborative working environment. Candidates responding to this posting must independently possess the eligibility to work in the United States, for any employer, at the date of hire. This position is ineligible for employment Visa sponsorship. Overall Purpose: This role is accountable to analyze, create and deploy the rules, scores, and decisioning logic from both internally and externally developed fraud risk models and applications with the associated outcomes as it applies to decisions rendered to optimize the balance of risk, expense and experience while using the payment network in a variety of operating environments. This work must be done directly or in partnership with financial institutions and includes collaboration with internal stakeholders including Product, Engineering, and Analytics to inform fraud risk decisioning and strategy execution. This role also partners closely with Fraud Risk Program Management to align fraud strategies with broader program objectives and roadmap priorities. Essential Functions (list): - Assess, recommend and modify the application of scores and rules to deliver the optimal balance of risk, expense and experience for clients, consumers and partners in the network. - Implement fraud detection and prevention strategies for the network. - Create and apply data-driven insights for constant monitoring of effectiveness, efficiency and opportunities in the application of features, scores, rules and logic to continuously improve fraud risk strategy performance. - Develop and deliver clear, concise communications and presentations to internal stakeholders (including Product, Engineering, Analytics, and Risk teams) external stakeholders (including banking partners, merchants, and third-party vendors) regarding emerging risks, observed trends and related opportunities. - Perform the analysis of fraud events for the purpose of identifying and consistently categorizing the root cause of fraud events observed or attempted in the network and identifying control gaps and opportunities for mitigation. - Monitor fraud trends, emerging threats, and attack patterns, and proactively recommend enhancements to rules, strategies, and controls. - Support the company’s commitment to protect the integrity and confidentiality of systems and data. Minimum Qualifications: - Bachelor’s degree or equivalent education/experience required. - Minimum 5 years of fraud risk management experience. - SQL/SAS/Python competencies or comparable data analytics skills. - Proven track record of converting concepts to analysis to cases for change. - Strong written, verbal, and presentation skills with the ability to communicate effectively to both technical and non-technical audiences. - Experience with digital banking, payments and/or payment networks. - Experience with financial institutions in the area of fraud risk management. - Background and drug screen Preferred Qualifications: - Certified Fraud Examiner (CFE) certification or similar credential is a plus - Ability to operate with a high degree of autonomy and influence strategy decisions without direct authority - Experience supporting enterprise fraud programs or large-scale fraud platforms Physical Requirements (maybe not needed as a section; but could be part of Requirements? The instruction says use headings for sections like About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. Physical Requirements could be under Requirements or maybe omitted if not substantive? It's substantive but not listed as a heading. Could include under Requirements as a list. But we must not create extra headings beyond those allowed. So we can incorporate physical requirements into Requirements section as a list. Pay: The Base Pay Scale For This Position In Phoenix, AZ/ Chicago, IL / Washington, DC in USD per year is: $84,000 - $105,000. New York, NY/ San Francisco, CA in USD per year is: $101,000 - $126,000. Additionally, candidates are eligible for a discretionary incentive plan and benefits. This pay scale is subject to change... (we can keep the substantive pay scale info). Also mention discretionary incentive plan. Benefits: Some of the Ways We Prioritize Your Health and Happiness Healthcare Coverage – Competitive medical (PPO/HDHP), dental, and vision plans as well as company contributions to your Health Savings Account (HSA) or pre-tax savings through flexible spending accounts (FSA) for commuting, health & dependent care expenses. 401(k) Retirement Plan – Featuring a 100% Company Safe Harbor Match on your first 6% deferral immediately upon eligibility. Paid Time Off – Flexible Time Off for Exempt (salaried) employees, as well as generous PTO for Non-Exempt (hourly) employees, plus 11 paid company holidays and a paid volunteer day. 12 weeks of Paid Parental Leave Maven Family Planning – provides support through your Parenting journey including egg freezing, fertility, adoption, surrogacy, pregnancy, postpartum, early pediatrics, and returning to work. And SO much more! We continue to enhance our program, so be sure to check our Benefits page here for the latest. Our team can share more during the interview process! Also there is EEO statement etc which we must remove as boilerplate. Also Pursuant to the San Francisco Fair Chance Ordinance... that's EEO related; remove. Also the statement about non-discrimination etc; remove. Also the line: "The above job description is not intended to be an all-inclusive list of duties and standards of the position. Incumbents will follow instructions and perform other related duties as assigned by their supervisor." That's boilerplate; remove. Also "Physical Requirements Working conditions consist of a normal office environment..." we need to keep but maybe under Requirements. We must not include duplicated lines. Ensure we preserve all substantive info. Now structure:

About the role

At Early Warning, we’ve powered and protected the U.S. financial system for over thirty years with cutting-edge solutions like Zelle®, Paze®, and so much more. As a trusted name in payments, we partner with thousands of institutions to increase access to financial services and protect transactions for hundreds of millions of consumers and small businesses. Positions located in Scottsdale, San Francisco, Chicago, or New York follow a hybrid work model to allow for a more collaborative working environment. Candidates responding to this posting must independently possess the eligibility to work in the United States, for any employer, at the date of hire. This position is ineligible for employment Visa sponsorship.

Overall Purpose: This role is accountable to analyze, create and deploy the rules, scores, and decisioning logic from both internally and externally developed fraud risk models and applications with the associated outcomes as it applies to decisions rendered to optimize the balance of risk, expense and experience while using the payment network in a variety of operating environments. This work must be done directly or in partnership with financial institutions and includes collaboration with internal stakeholders including Product, Engineering, and Analytics to inform fraud risk decisioning and strategy execution. This role also partners closely with Fraud Risk Program Management to align fraud strategies with broader program objectives and roadmap priorities.

Responsibilities

• Assess, recommend and modify the application of scores and rules to deliver the optimal balance of risk, expense and experience for clients, consumers and partners in the network.
• Implement fraud detection and prevention strategies for the network.
• Create and apply data-driven insights for constant monitoring of effectiveness, efficiency and opportunities in the application of features, scores, rules and logic to continuously improve fraud risk strategy performance.
• Develop and deliver clear, concise communications and presentations to internal stakeholders (including Product, Engineering, Analytics, and Risk teams) external stakeholders (including banking partners, merchants, and third-party vendors) regarding emerging risks, observed trends and related opportunities.
• Perform the analysis of fraud events for the purpose of identifying and consistently categorizing the root cause of fraud events observed or attempted in the network and identifying control gaps and opportunities for mitigation.
• Monitor fraud trends, emerging threats, and attack patterns, and proactively recommend enhancements to rules, strategies, and controls.
• Support the company’s commitment to protect the integrity and confidentiality of systems and data.

Requirements

• Bachelor’s degree or equivalent education/experience required.
• Minimum 5 years of fraud risk management experience.
• SQL/SAS/Python competencies or comparable data analytics skills.
• Proven track record of converting concepts to analysis to cases for change.
• Strong written, verbal, and presentation skills with the ability to communicate effectively to both technical and non-technical audiences.
• Experience with digital banking, payments and/or payment networks.
• Experience with financial institutions in the area of fraud risk management.
• Background and drug screen.
• Physical requirements: Working conditions consist of a normal office environment. Work is primarily sedentary and requires extensive use of a computer and involves sitting for periods of approximately four hours. Work may require occasional standing, walking, kneeling, and reaching. Must be able to lift 10 pounds occasionally and/or negligible amount of force frequently. Requires visual acuity and dexterity to view, prepare, and manipulate documents and office equipment including personal computers. Employee must be able to perform essential functions and physical requirements of position with or without reasonable accommodation.

Qualifications

• Certified Fraud Examiner (CFE) certification or similar credential is a plus.
• Ability to operate with a high degree of autonomy and influence strategy decisions without direct authority.
• Experience supporting enterprise fraud programs or large-scale fraud platforms.

Skills

• SQL, SAS, Python (or comparable data analytics).
• Strong written, verbal, and presentation skills.
• Ability to communicate effectively to technical and non-technical audiences.
• Experience with digital banking, payments, payment networks.
• Experience with financial institutions fraud risk management.

But note that Skills may overlap with Requirements; but we can still include if there is specific content. The posting includes SQL/SAS/Python competencies, strong written/verbal/presentation skills, experience with digital banking/payments, experience with financial institutions. Those are indeed skills. We can keep them. However we must avoid duplication: we already listed those in Requirements. But the instruction says preserve ALL substantive information; duplication is okay if it's in the original? It says remove duplicated lines. So we should not duplicate identical lines. The skills listed are essentially same as some requirements. To avoid duplication, we could combine or keep only one. But we need to preserve all substantive info; if we omit the