Fraud Investigations Analyst

Responsibilities

• Analyze account activity, transactional behavior, authentication data, customer communications, and external intelligence sources to surface fraud indicators and build well-supported investigative narratives.
• Synthesize investigative findings into clear case narratives and prepare Unusual Activity Referrals (UARs) for Financial Crime Compliance partners when appropriate; escalate high-risk events with sound, risk-based remediation recommendations.
• Support customers impacted by fraud and coordinate with external banking partners on fund recovery efforts, including Letters of Indemnity.
• Leverage AI-enabled tools to accelerate research, evidence gathering, and documentation, while critically validating AI-generated outputs for accuracy and compliance with Gusto's AI policies.
• Collaborate with Risk, Compliance, Product, Engineering, and Data Science to surface emerging threats, close control gaps, and improve investigative tooling and AI-assisted workflows.

Requirements

• 5+ years of fraud investigations, fraud detection, or similarly complex investigative work within a financial institution, FinTech, payment processor, or regulated environment.
• Strong investigative writing and analytical skills with the ability to document complex fact patterns, develop defensible narratives, and assess risk across ambiguous scenarios.
• Experience across fraud typologies including account takeover, business email compromise, identity theft, payment fraud, and social engineering.
• Sound investigative judgment with the ability to manage multiple investigations simultaneously, make risk-based recommendations under pressure, and communicate findings with empathy and clarity to customers, external institutions, and cross-functional stakeholders.
• Experience using AI-enabled tools in day-to-day investigative workflows and the ability to critically evaluate AI-generated outputs for accuracy, completeness, and alignment with investigative standards.

Nice-to-Haves

• Certified Fraud Examiner (CFE), CAMS, or other relevant financial crime certifications.