Fraud Strategy Data Analyst

At U.S. Bank were on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life and each person is unique in their potential. A career with U.S. Bank gives you a wide ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things learn new skills and discover what you excel atall from Day One.

Job Description

The Fraud Strategy Data Analyst provides enterprise-level analytical insight into fraud decisioning performance fraud risk reduction customer experience operational efficiency and financial outcomes across deposits digital payments authentication and the end-to-end account lifecycle. Through advanced data-driven analysis this role evaluates alert performance decision accuracy queue dynamics loss drivers customer friction points operational inefficiencies and emerging fraud risks to identify opportunities that improve fraud outcomes and business performance.

By developing and applying consistent fraud tradeoff loss avoidance and decisioning performance frameworks the analyst translates complex analytics into actionable decision-ready insights that enable leadership to optimize fraud controls improve detection effectiveness reduce customer friction enhance workload management and prioritize investments based on measurable enterprise impact. The role does not design or implement fraud rules or strategies but provides the analytical foundation that informs enhancements to fraud decisioning mitigation processes and enterprise fraud initiatives through close partnership with Fraud Strategy Risk Operations Digital Technology and AI/ML teams.

Key Responsibilities:

• Leverage advanced technical proficiency in SAS/SQL/Python and related analytical tools to extract transform and analyze large-scale fraud data delivering scalable data-driven insights that support fraud decisioning tradeoff analysis performance measurement and strategic business decision-making.

• Analyze enterprise fraud performance across deposits digital payments authentication and account lifecycle domains to identify material loss drivers customer friction operational impacts emerging risks and opportunities to improve fraud outcomes.

• Evaluate fraud decisioning performance alert effectiveness decision outcomes false positive rates workflow execution and queue dynamics to identify performance gaps inefficiencies and optimization opportunities.

• Assess end-to-end fraud operations including alert lifecycle performance queue throughput review capacity case-handling efficiency and workload distribution to improve operational effectiveness and scalability.

• Develop and apply fraud tradeoff loss avoidance and performance measurement frameworks that quantify the impact of fraud controls across fraud loss reduction customer experience operational efficiency and financial outcomes.

• Engineer maintain and enhance methodologies for measuring fraud benefit losses avoided operational costs customer friction false positives and overall business impact using transparent audit-ready approaches.

• Conduct advanced and ad hoc analytics root-cause investigations and performance assessments to evaluate fraud controls identify emerging threats uncover inefficiencies and support optimization or decommissioning decisions.

• Monitor fraud trends alert behavior decision outcomes and operational performance to identify emerging risks changing fraud patterns anomalies and degradation in control effectiveness.

• Quantify expected benefits costs risks operational impacts and tradeoffs associated with fraud initiatives tools models and strategic enhancements to support investment prioritization and business case development.

• Partner with Fraud Strategy Fraud Mitigation Solutions (FMS) Risk Operations Digital Technology and AI/ML teams to align priorities evaluate performance validate findings and drive measurable fraud and business outcomes.

• Support predictive fraud AI and analytics initiatives through performance assessment value measurement operational impact analysis and ongoing benefit tracking.

• Develop and maintain performance metrics dashboards reporting frameworks and executive-level insights that provide transparent visibility into fraud outcomes decisioning effectiveness operational efficiency and business impact.

• Translate complex analytical findings into clear actionable and executive-ready recommendations that inform strategy investment decisions operational improvements and continuous enhancement efforts.

• Ensure analytical rigor data integrity and methodological consistency by validating assumptions strengthening measurement frameworks and delivering decision-ready insights that can be confidently used by leadership and governance forums.

Additional Expectations

• Leverage approved AIenabled productivity tools to improve efficiency quality and effectiveness of work outputs applying sound judgment to validate results and ensure responsible compliant use in accordance with company policies.

• Develops and delivers datadriven insights and narratives to inform decisionmaking and support business objectives.

• Perform additional duties and assume evolving responsibilities as needed to support changing business priorities organizational needs and strategic objectives.

• Maintain a strong commitment to regulatory compliance internal controls and risk management standards by adhering to applicable laws policies and procedures. The Fraud Strategy Data Analyst provides enterprise-level analytical insight into fraud decisioning performance fraud risk reduction customer experience operational efficiency and financial outcomes across deposits digital payments authentication and the end-to-end account lifecycle. Through advanced data-driven analysis this role evaluates alert performance decision accuracy queue dynamics loss drivers customer friction points operational inefficiencies and emerging fraud risks to identify opportunities that improve fraud outcomes and business performance.

Basic Qualifications
- Bachelors degree or equivalent work experience
- Typically more than eight years of applicable experience

Preferred Skills/Experience

- Comprehensive knowledge of all departmental data sources and of fraud risk and operations management associated with the product lines
- Strong analytical skills relative to evaluating fraud prevention infrastructure and forecasting fraud loss trends
- Strong project management skills
- Effective verbal and written communication skills
- Proficient computer navigation skills using a variety of software packages including Microsoft Office applications and data analysis software

LOCATION EXPECTATIONS: This role requires working from a U.S. Bank Location three (3) or more days per week.

NOTE: This position is not eligible for current or future visa sponsorship.

If theres anything we can do to accommodate a disability during any portion of the application or hiring process please refer to our disability accommodations for applicants .

Benefits:

Our approach to benefits and total rewards considers our team members whole selves and what may be needed to thrive in and outside work. Thats why our benefits are designed to help you and your family boost your health protect your financial security and give you peace of mind. Our benefits include the following:

• Healthcare (medical dental vision)

• Basic term and optional term life insurance

• Short-term and long-term disability

• Pregnancy disability and parental leave

• 401(k) and employer-funded retirement plan

• Paid vacation (from two to five weeks depending on salary grade and tenure)

• Up to 11 paid holiday opportunities

• Adoption assistance

• Sick and Safe Leave accruals of one hour for every 30 worked up to 80 hours per calendar year unless otherwise provided by law

Review our full benefits available by employment status here .

U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race religion color sex national origin age sexual orientation gender identity disability or veteran status and other factors protected under applicable law.

E-Verify

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program.

The salary range reflects figures based on the primary location which is listed first. The actual range for the role may differ based on the location of the addition to salary U.S. Bank offers a comprehensive benefits package including incentive and recognition programs equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $108375.00 - $127500.00

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition certain positions may also be subject to the requirements of FINRA NMLS registration Reg Z Reg G OFAC the NFA the FCPA the Bank Secrecy Act the SAFE Act and/or federal guidelines applicable to an agreement such as those related to ethics safety or operational procedures.

Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.

Posting may be closed earlier due to high volume of applicants.

Required Experience:

IC