Analyst-Operations (Fraud)

Job description

**Role & responsibilities** **Job Description Deposit Fraud Detection Analyst (US Banking)** **Role Overview** The Deposit Fraud Detection Analyst is responsible for identifying, investigating, and preventing fraudulent activities related to deposit accounts, checks, ACH, wires, and digital banking transactions. The role involves analyzing alerts, mitigating risks, and ensuring compliance with US banking regulations. **Key Responsibilities** **Fraud Monitoring & Detection** - Monitor daily fraud alerts related to deposits (check fraud, ACH, wire, mobile deposits, account takeover). - Analyze transactional patterns to identify suspicious or irregular activities. - Review high-risk transactions and decide on hold, decline, or escalation actions. **Investigation & Case Management** - Conduct end-to-end fraud investigations using internal systems and external data sources. - Identify fraud types such as: - Altered / counterfeit checks - Duplicate deposits - Identity theft / account takeover - New account fraud - Document findings and maintain case records for audit and compliance purposes. **Alert Handling & Decisioning** - Review alerts generated from fraud detection tools - Differentiate between **false positives vs. genuine fraud cases**. - Take real-time decisions on account restrictions, closures, or escalations. **Customer & Stakeholder Interaction** - Contact customers to validate suspicious transactions. - Coordinate with internal teams (Deposit Ops, Compliance, Risk, Customer Service). - Work with external entities like law enforcement when required. **Required Skills & Experience** **Experience** - 25+ years of experience in: - Deposit fraud detection - Fraud operations / risk / compliance in US banking - Hands-on experience in **check fraud / deposit review / transaction monitoring** **Domain Knowledge** - Knowledge of: - US banking processes (ACH, wires, checks, RDC, mobile deposits) - Fraud typologies and detection techniques **Soft Skills** - Strong analytical and investigative mindset - Attention to detail and decision-making ability - Good communication (email + client interaction) - Ability to work in high-volume, deadline-driven environment **Preferred Qualifications** - Bachelor’s degree in Finance, Banking **Preferred candidate profile** Immedidate Joiner All 5 days WFO and 1AM login and 10AM logout