Senior Fraud Risk Analyst

Role Description

The Fraud Risk Analyst develops data‑driven insights that support fraud prevention, detection, and rule management across digital banking and money movement products. The role focuses on monitoring emerging fraud risks, evaluating rule effectiveness, and developing targeted enhancements that increase fraud mitigation effectiveness and reduce fraud losses while maintaining an appropriate customer experience.

The analyst works closely with fraud operations, technology, and risk partners to analyze performance trends, investigate anomalies, and communicate analytical findings into clear, actionable recommendations that support effective fraud risk management and decision‑making across key areas including:

• First Party Fraud
• Third Party Fraud
• Account Takeover
• Scam
• ID Theft scenarios

Qualifications

• Bachelor’s degree in Business, Finance, Computer Science, Business Analytics, Statistics, or another quantitative field; Masters’ degree a plus
• SAS, SQL, or Python experience
• Proficient computer skills, especially Microsoft Office applications and data analysis software
• Knowledge of financial services products, systems, and data preferably within the fraud domain including familiarity with online banking and digital payments
• Experience analyzing fraud performance data, alerts, or rule‑based controls
• Strong analytical, problem‑solving, and critical‑thinking skills
• Excellent presentation, written, and verbal communication skills with the ability to communicate analytical findings clearly to technical and non‑technical audiences
• Flexibility in day-to-day tasks, ability to manage multiple tasks and priorities in a fast‑changing environment, and tolerance for ambiguity
• Ability to work independently and deliver high‑quality analysis in a remote environment, while collaborating effectively within a team
• Ability to build strong cross‑functional relationships and contribute to stakeholder discussions at various levels of the organization, through clear, data‑driven insights

Requirements

• Utilize approved AI tools, analytics platforms, and digital solutions to improve efficiency, accuracy, and productivity, applying sound judgment to validate outputs and ensure responsible, ethical, and compliant use
• Maintain a strong commitment to regulatory compliance, internal controls, and risk management standards by adhering to applicable laws, policies, and procedures

Benefits

• Clearly defined salary ranges aligned with industry benchmarks and internal equity standards
• Performance-based incentives for eligible employees awarded through transparent, objective criteria that recognize both individual and company performance
• Inclusive equitable benefits that are accessible to all employees and focused around our 3 main pillars of financial wellbeing, health & wellness
• Continuous development opportunities including training, education support, and career progression pathways based on inclusive and transparent criteria
• Employee recognition programs that celebrate achievements and milestones for all

Location expectations

This role is designated as home-based remote.

Working hours

13:00-21:00 Monday - Friday; 15:00-23:00 in the onboarding period

Accessibility

We are committed to providing an inclusive and accessible recruitment experience. If you need adjustments at any stage of the application or hiring process, please contact your recruiter for guidance and support.

Total Rewards

U.S. Bank is committed to fair, equitable, and transparent compensation practices in line with local regulatory and legal requirements. Our total rewards approach is designed to attract, retain, and support top talent while ensuring equal pay for work of equal value.

We regularly review our compensation and benefits to ensure they remain competitive, inclusive, and responsive to employee needs and market trends. Further details of the compensation package will be provided upon application.

Closing Date

Posting may be closed earlier due to high volume of applicants. We aim to provide timely updates throughout the process and encourage early applications to ensure consideration.