Payments Fraud Analyst
We’re partnering with a growing financial institution seeking an experienced Payments Fraud Analyst to join their Central Operations team. This is a highly visible role focused on protecting the bank and its clients from fraud across multiple payment channels including wires, ACH, debit cards, checks, and digital payments.
This is not an entry-level fraud role. The team is looking for someone who understands payment fraud operations deeply, can identify fraud trends and suspicious activity quickly, and has experience making real-time decisions to mitigate risk and prevent losses.
What You’ll Be Doing
Monitor and investigate suspicious activity involving:
Wire transfers
ACH transactions
Debit card fraud
Check fraud
Zelle and other digital payment platforms
Review and resolve fraud alerts, suspicious transactions, and exception items
Make timely decisions to release, restrict, return, or escalate transactions based on fraud risk
Identify fraud patterns, anomalies, and emerging threats
Manage Regulation E claims and dispute investigations
Create and maintain fraud rules, filters, and monitoring controls within fraud systems
Track fraud losses, trends, and operational metrics
Assist with fraud reporting, audits, and operational improvements
Support debit card operational functions including travel exemptions and fraud-related restrictions
What They’re Looking For
5+ years of banking or credit union operations experience with strong fraud exposure
Hands-on experience with:
ACH fraud
Wire fraud
Debit card fraud
Check fraud
Reg E claims and disputes
Strong understanding of payment systems and fraud prevention processes
Experience investigating fraud cases and making independent fraud decisions
Ability to identify trends and recommend fraud mitigation strategies
Experience with fraud monitoring platforms such as NICE Actimize, EnFact, Fiserv Premier, or similar systems is highly preferred
Ideal Background
This role is a strong fit for someone currently working as a:
Fraud Analyst
Fraud Operations Specialist
Electronic Fraud Specialist
Deposit Operations/Fraud Specialist
Payments Risk Analyst
Senior Fraud Specialist
Why This Opportunity
Broad exposure across all payment channels
Ability to influence fraud controls and operational processes
Stable and growing institution
High-impact role with visibility across operations and risk management
Opportunity to work in a collaborative, team-oriented environment
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