Fraud Analyst
Investigates fraud, money laundering, and suspicious activity while supporting BSA/AML compliance, transaction monitoring, and risk mitigation. Requires at least two years of financial-services or fintech fraud experience and familiarity with related regulatory frameworks.
About the job
Responsibilities
- Monitor, investigate, and escalate potential fraud, money laundering, and suspicious activity alerts using transaction monitoring systems and case management tools.
- Review customer activity, account behavior, and transaction patterns to identify fraud and financial-crime red flags.
- Perform customer due diligence (CDD), enhanced due diligence (EDD), and ongoing monitoring reviews.
- Collaborate with Engineering and senior management on complex investigations and recommend risk-mitigation actions.
- Maintain investigation documentation to support audits and regulatory examinations.
- Assist with developing, testing, and tuning transaction-monitoring rules and fraud-detection scenarios.
- Track emerging fraud typologies, AML regulations, and industry practices; contribute to policy and procedure updates.
- Support internal and external audits, regulatory examinations, and independent BSA/AML program reviews.
- Provide guidance and training to frontline staff on fraud and AML red flags.
Requirements
- At least 2 years of direct experience in fraud investigation, fraud operations, or fraud risk management in financial services or fintech.
- Working knowledge of BSA/AML regulations, OFAC sanctions, and related compliance frameworks.
- Experience with transaction-monitoring systems, case-management platforms, and fraud-detection tools.
- Strong analytical skills and ability to identify suspicious or fraudulent activity patterns.
- Excellent written and verbal communication skills, including investigative narratives and regulatory filings.
- Ability to work full-time on a Saturday–Wednesday schedule.
Nice-to-haves
- Experience in fintech, payments, or digital banking.
- CAMS, CFE, or another relevant compliance or fraud certification.
- Familiarity with SAR filing processes and FinCEN requirements.
- Experience collaborating across Fraud, Compliance, and Risk functions.
- Knowledge of account takeover, synthetic identity, payment fraud, and mule activity.
Compensation and Benefits
- Base salary: $100,000–$135,000 USD.
- Equity, medical, vision, and dental coverage, 401(k), short- and long-term disability insurance, life insurance, discounts, and other perks.
Skills
Fraud Investigation, Bsa/Aml, Ofac Sanctions, Transaction Monitoring, Case Management, Fraud Detection, Customer Due Diligence, Enhanced Due Diligence, Sar Filing, Fincen, Financial Crime, Risk Management
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