欺诈风险分析师
Fraud Risk Analyst
在高级经理，风险与支付的直接监督下，欺诈分析师将专注于实时欺诈监控、调查、争议/退款支持、客户沟通和报告，以保护持卡人和项目资金。该职位需要与内部团队和外部合作伙伴密切合作，确保及时、准确的决策和顺畅的处理流程。
主要职责
- 监控实时交易队列和决策事件；调查并解决欺诈警报和已报告的案例。
- 与客户互动，验证交易行为，收集证据，并确定适当的处理方式。
- 执行争议/退款受理和支持；在既定的服务级别协议内记录发现和行动。
- 使用分析工具和数据集来检测、监控和缓解新兴的欺诈威胁；上报趋势并建议规则/流程变更。
- 编写并维护清晰的欺诈操作流程、决策指南和操作手册。
- 生成全面的报告，分析绩效、损失驱动因素和规则有效性；为相关方提炼洞察。
- 协助识别流程改进机会，并与技术/运营团队合作实施改进措施。
- 为内部团队提供欺诈模式、预防措施和最佳实践的培训和教育。
- 在需要时为风险与支付团队的流程提供支持（例如，ACH/电汇/反洗钱审查）。
- 全程处理ACH退回：审查退回原因代码，研究并核对退回项目，并向客户和内部团队传达结果。
- 在需要时提供催收支持：跟踪逾期账户，进行客户沟通和追收工作，记录还款安排，并根据政策对账户进行核销或转第三方处理。
- 使用AI工具和机器学习模型对警报进行优先级排序，总结案件证据，加快调查进度；验证AI生成的输出，并提供反馈以优化模型并减少误报。
- 识别欺诈和ACH流程中的手动、重复性工作，并与内部团队合作实现流程、警报和报告的自动化。
- 为部门和公司范围内的OKR（目标与关键成果）做出贡献。
- 完成其他指派的任务。
- 技能、知识和专长
- 在银行、金融科技或卡支付行业有工作经验
查看英文原文
Under the direct supervision of the Sr. Manager, Risk and Payments, the Fraud Analyst will focus on real-time fraud monitoring, investigations, dispute/chargeback support, client outreach, and reporting to protect cardholders and program funds. The role requires close collaboration with internal teams and external partners to ensure timely, accurate decisions and smooth processing flows.
Key Responsibilities
- Monitor real-time transaction queues and decision incidents; investigate and resolve fraud alerts and reported cases.
- Engage with clients to validate transactional behavior, collect evidence, and determine the appropriate course of action.
- Perform dispute/chargeback intake and support; document findings and actions within established service-level agreements.
- Utilize analytic tools and datasets to detect, monitor, and mitigate emerging fraud threats; escalate trends and recommend rule/process changes.
- Develop and maintain clear documentation for fraud operations procedures, decisioning guidelines, and playbooks.
- Generate comprehensive reports to analyze performance, loss drivers, and rule effectiveness; synthesize insights for stakeholders.
- Assist in identifying process improvement opportunities and partner with Technology/Operations to implement enhancements.
- Provide training and education to internal teams on fraud patterns, prevention measures, and best practices.
- Provide backup support for the Risk & Payments team’s processes as needed (e.g., ACH/Wire/AML reviews).
- Process ACH returns end-to-end: review return and reason codes, research and reconcile returned items, and communicate outcomes to clients and internal teams.
- Provide collections support when needed: track delinquent accounts, conduct client outreach and recovery efforts, document repayment arrangements, and escalate accounts for write-off or third-party placement in line with policy.
- Use AI tools and machine learning models to triage alerts, summarize case evidence, and accelerate investigations; validate AI-generated output and provide feedback to tune models and reduce false positives.
- Identify manual, repetitive work across fraud, ACH processes and partner with internal teams to automate workflows, alerts, and reporting
- Contribute to achieving departmental and company-wide OKRs (Objectives and Key Results).
- Perform other duties as assigned.
Skills, Knowledge and Expertise
- Experience working in banking, fintech, or card payment industries.
- 2+ years of fraud or finance-related experience in an Operations or Fraud department.
- Intermediate to advanced skills in Microsoft Excel and Microsoft Office; proficiency with Gmail and Google Sheets.
- Experience with fraud platforms, case management systems, and dispute/chargeback workflows (VISA/Mastercard) preferred.
- Comfort using AI tools in a day-to-day operations setting (e.g., generative AI assistants, ML-based risk scoring); able to write effective prompts and critically validate AI-generated output.
- Exposure to automation and AI tools such as; Claude, Devin, ChatGPT, etc..
- Curiosity and adaptability toward emerging technology; interest in redesigning manual processes rather than simply executing them.
- Strong research, analytical, and problem-solving skills with keen attention to detail.
- Excellent oral and written communication skills; able to distill complex issues clearly for non-technical audiences.
- Highly effective time-management and planning skills; able to manage queues and deadlines with minimal supervision.
- Ability to develop effective working relationships and excel in a cross-functional, fast-paced environment.
Benefits
Our People: Join an ego-free team of high-performers who value transparency, collaboration, and constant improvement.
Health: 80% Company-Subsidized Medical, Dental, & Vision.
Time Off: Flexible PTO + Federal Reserve Bank Holiday Schedule.
Finance: 401(k) with 3% Match.
Wellness: ClassPass Credits & Gym Membership Subsidies.
Growth: Sponsored Learning & Development Opportunities.
Location: Remote-First Culture.
Originally posted on Himalayas