Fraud Analyst Advisor

We are a hybrid, remote-office company dedicated to growing our talent anywhere!

We have onsite locations in: Sioux Falls, SD,  Phoenix, AZ,  Louisville, KY,  Troy, MI,  Franklin, TN,  Easton, PA.

At the company, we take tremendous pride in our purpose to create financial inclusion for all™. We are a financial empowerment company that works with innovators to increase financial availability, choice, and opportunity for all.  We strive to remove barriers that traditional institutions put in the way of financial access, and promote economic mobility by providing responsible, secure, high quality financial products.

We are a team of problem solvers and innovators who celebrate our differences and know that our unique perspectives make us stronger and well-positioned for success.  We celebrate, and embrace, our team members through our  *HUMBLE*HUNGRY*SMART  approach, and we believe that we are strongest when we embrace the voices of our employees, customers, partners, and the communities we serve.

About the Role

Within the Fraud Risk Management and Operations function, this role is specifically responsible for analyzing fraud-related data across alerts, cases, losses, and customer activity to identify emerging fraud trends, typologies, and control gaps. The role emphasizes fraud-centric reporting, including the design, production, and interpretation of fraud KPIs/KRIs, to support effective fraud detection, investigation, escalation, and overall program performance.

What You Will Do

• Analyze large, complex datasets to generate insights across credit performance, fraud trends, and portfolio risk, using descriptive, predictive, and prescriptive analytics, with a primary focus on fraud detection effectiveness, loss drivers, alert-to-case conversion, and emerging fraud typologies.

• Support development and monitoring of fraud detection models, rules, thresholds, and segmentation strategies, ensuring alignment with evolving fraud risks and typologies.

• Design and deliver fraud and risk reporting (KPIs/KRIs) aligned to BSA/AML and enterprise risk standards, ensuring, audit traceability, and clear linkage to control effectiveness, including reporting on fraud losses, alert volumes, investigation outcomes, SAR referral indicators, and operational effectiveness metrics across the fraud lifecycle.

• Translate complex data into actionable, executive-ready insights, while partnering cross-functionally to implement strategies, address control gaps, and enhance overall risk and fraud program performance, including identification of fraud control weaknesses, breakdowns in alerting or investigation processes, and opportunities to improve detection, escalation, and resolution outcomes.

• Partner with Fraud and BSA/AML Operations, Compliance, Risk, Product, and Technology teams to ensure fraud reporting aligns with regulatory expectations and supports effective decision-making, including SAR-related considerations where applicable

• Analyze fraud alert and case lifecycle data (intake, triage, investigation, disposition) to identify process inefficiencies, quality issues, and opportunities for automation or control enhancement.

• Other duties as assigned.

What You Will Need

• Bachelor's degree or equivalent education and work experience. Master's degree preferred.

• Typically requires a minimum of 8 years of related experience with a bachelor’s or equivalent.

• Experience in data analysis within financial services, fraud risk management, payments, or related domains preferred.

• Ability to handle large volume of data and derive actionable insights.

• Strong analytical and problem-solving skills, combined with solid business acumen.

• Strong written and communication skills with ability to explain complex insights to a range of audiences.

• Experience in the consumer credit industry is a plus.

• Experience with fraud analytics, fraud reporting, payments data, or financial crime data strongly preferred.

• Foundational understanding of fraud typologies (e.g., account takeover, first-party fraud, transaction fraud) and how they manifest in data.

• Experience working with fraud KPIs/KRIs, operational metrics, and regulatory or audit-driven reporting environments is preferred.

• Familiarity with fraud detection systems, alert/case management tools, or transaction monitoring platforms is a plus.

• The ability to thrive in a fast-paced startup environment.

The responsibilities listed above are not all inclusive and may be changed at any time.

Salary range:  $72,000 – $120,000

The salary range reflects the minimum and maximum target for a new hire in this role. Individual pay within the range will be determined by multiple factors which can include but are not limited to a candidate’s experience, qualifications, skills, and location. Your recruiter can share more about the specific salary for your location during the hiring process. Ranges may be modified in the future. This role is also eligible for an annual performance-based incentive opportunity.  The company offers a comprehensive benefits package for eligible employees, including health insurance, 401(k)retirement benefits, life insurance, disability benefits, paid time off, and more.

#LI-Remote

Don’t have everything listed under qualifications? If you’re excited about this role but your experiences don’t match exactly to everything in the posting, we encourage you to apply anyway. You may be just the right candidate for this or other the company roles. The company is an equal employment opportunity employer and considers candidates for roles without regard to their race, sex, national origin, ethnicity, age, disability or any other category protected by law.

Who we are

Our commitment to inclusion is woven into our DNA. We believe that we are strongest when we embrace the voices of our employees, customers, partners, and the communities we serve.

We provide equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, ethnicity, religion, sex, sexual orientation, gender identity, transgender status, pregnancy, national origin, age (age 40 and over), disability, genetic information, marital status, hair texture or hairstyle, ancestry, service in the uniformed services, protected veteran status, status as a victim of domestic violence or any other class protected by federal, state and local laws.

Please  click here to learn more about our benefits and review information about our Privacy Policy, Affirmative Action Plan and other notices. Applicants with disabilities may be entitled to reasonable accommodation under the terms of the Americans with Disabilities Act and certain state or local laws. For assistance completing an application, please contact a the company People & Culture Representative by emailing – [link for members]

Please click here to view the company's Applicant Privacy Notice.

Applications will be accepted for a minimum of 3 days after posting, and there is no predetermined date by which applications should be submitted.

Knowingly submitting false information will result in disqualification for consideration of future positions, termination of employment and forfeiture of other rights.

Candidate Scam Warning

We encourage you to be cautious of hiring scams that impersonate the company. Copy  and paste the following URL into your browser to learn more: [link for members]