Lead Enterprise Fraud Risk Analyst - 90411601 - Washington

Your success is a train ride away! As we move America’s workforce toward the future, Amtrak connects businesses and communities across the country. We employ more than 20,000 diverse, energetic professionals in a variety of career fields throughout the United States. The safety of our passengers, our employees, the public and our operating environment is our priority, and the success of our railroad is due to our employees. Are you ready to join our team? Our values of ‘Do the Right Thing, Excel Together and Put Customers First’ are at the heart of what matters most to us, and our Core Capabilities, ‘Building Trust, Accountability, Effective Communication, Customer Focus, and Proactive Safety & Security’ are what every employee needs to know and do to be most impactful at Amtrak. By living the Amtrak values, focusing on our capabilities, and actively embracing and fostering diverse ideas, backgrounds, and perspectives, together we will honor our past and make Amtrak a company of the future. This position can be based out of Washington DC, Wilmington, DE, Philadelphia, PA, or New York City.

JOB SUMMARY:

The Lead Enterprise Fraud Risk Analyst is responsible for executing advanced data analytics to identify, analyze, and mitigate internal and external fraud risks. This role will conduct investigative analyses, generate insights on emerging fraud patterns, and partner with cross‑functional teams to improve fraud detection, prevention, and reporting. This role will also execute fraud incident management activities and assist with development and documentation of incident management processes to mature Amtrak’s fraud risk management program. The Analyst is a member of the Fraud Risk Management Team and is expected to lead preliminary investigations which may be referred to other investigative teams. This position supports Amtrak's Enterprise Fraud Risk Management Program and is responsible for identifying, analyzing, and investigating a broad range of fraud risks across the organization, including procurement fraud, financial statement fraud, bribery and corruption, payment card fraud, and other internal and external fraud schemes. The ideal candidate brings broad fraud analytics and investigative experience across multiple fraud domains, rather than expertise in a single specialty such as AML, financial crimes, or cybersecurity.

ESSENTIAL FUNCTIONS:

Extract, aggregate, normalize, and analyze data from multiple internal and external sources to support fraud monitoring and investigations. Transform unstructured data using AI/ML techniques to create structured, analysis ready datasets. Develop a strong understanding of systems, data structures, and business processes through documentation review and collaboration with data owners and operational teams. Analyze suspicious transactions, behavioral patterns, and anomalies to identify potential fraud risks and emerging schemes. Test fraud related controls using data analysis to assess compliance with applicable laws, regulations, and internal policies Identify opportunities to enhance detective analytics and preventative fraud rules. Develop and deliver visualizations and reports that communicate fraud trends, risks, and key performance indicators to senior leadership. Conduct investigative research to validate suspicious activity identified by business units or external partners. Support implementation and execution of fraud case management cycle processes, and develop complete investigative case packages and written intelligence products such as investigative memoranda. Contribute to the development and maintenance of SOPs, monitoring procedures, case management workflows, and continuous improvement of detection methodologies. Perform ad hoc statistical, investigative, and operational analytics to support fraud investigations. Conduct investigative research to validate suspicious activity identified by business units or external partners. Translate analytical findings into actionable recommendations and ensure analytical processes are documented, repeatable, auditable, and aligned with quality standards

MINIMUM QUALIFICATIONS:

Bachelor’s Degree or equivalent combination of education, training and/or relevant experience. Plus 6 years of relevant work experience. Minimum 3 years of hands-on experience in an advanced analytical role using Data Science or Machine Learning.

PREFERRED QUALIFICATIONS:

Bachelor’s Degree or equivalent combination of education, training and/or relevant experience. Plus 8 years of relevant work experience. Degree in Computer Science, Mathematics, Finance, or a related field. Practical, hands‑on experience applying AI/ML techniques KNOWLEDGE, SKILLS and ABILITIES: Advanced proficiency in SQL and demonstrated ability to work with large complex datasets. Strong analytical and problem-solving skills, with the ability to relate multiple datasets from complex business processes, simplify and transform them into meaningful features, ready to be consumed in predictive models. Demonstrated experience in data visualization tools such as Tableau, Power BI, or similar. Fraud expertise, including knowledge of common fraud schemes, risk indicators, control weaknesses, and industry best practices for detection and prevention. Previous experience investigating large, complex datasets, with the ability to identify anomalies, connect disparate data points, perform root‑cause analysis, and develop actionable insights. Excellent oral and written communication skills, with the ability to translate complex technical concepts for end‑users while engaging deeply with technical investigative teams. Ability to work independently and collaboratively in a fast-paced, dynamic environment. Preferred Proficiency in Python or R for data manipulation, modeling, and automation. Preferred Previous experience with Payment Card Fraud schemes and detection methods. Preferred Familiarity with calculating and communicating metrics for management reporting. Preferred Familiarity with risk management frameworks. The salary/hourly range is $94,300.00 – $122,256.00. Pay is based on several factors including but not limited to education, work experience, certifications, etc. Depending on an employee’s assigned worksite or location, Amtrak may consider a geo-pay differential to be applied to the employee’s base salary. Amtrak may offer additional incentive and pay programs to recognize and reward our employees, including a short-term incentive bonus based upon factors such as individual and company performance that is commensurate with the level of the position. Health and Wellbeing Financial and Retirement Work and Family Life Support Health, Dental, and Vision Insurance 401K with Employer Match Generous Paid Time Off Wellness Programs Railroad Retirement Benefits Paid Caregiving Days and Backup Care Health Savings Account Public Service Student Loan Forgiveness Fertility and Family Building Benefits No-cost Personal Health Advocate Student Loan Assistance Adoption and Surrogacy Assistance Medical Plan Opt-out Credit Tuition and Education Reimbursement Paid Family Leave Life Insurance Rail Pass Privileges Short- and Long-term Disability Insurance Employee Assistance Program No-cost Financial Advisor Sessions Commuter and Flexible Spending Accounts Learn more about our benefits offerings here. Requisition ID:166765 Work Arrangement:06-Onsite 4/5 Days Click here for more information about work arrangements at Amtrak. Relocation Offered:No Travel Requirements:Up to 25% You power our progress through your performance. We want your work at Amtrak to be more than a job. We want your career at Amtrak to be a fulfilling experience where you find challenging work, rewarding opportunities, respect among colleagues, and attractive compensation. Amtrak maintains a culture that values high performance and recognizes individual employee contributions. Amtrak is committed to a safe workplace free of drugs and alcohol. All Amtrak positions requires a pre-employment background check that includes prior employment verification, a criminal history check and a pre-employment drug screen. Candidates who test positive for marijuana will be disqualified, regardless of any state or local statute, ordinance, regulation, or other law that legalizes or decriminalizes the use or possession of marijuana, whether for medical, recreational, or other use. Amtrak's pre-employment drug testing program is administered in accordance with DOT regulations and applicable law. In accordance with DOT regulations (49 CFR § 40.25), Amtrak is required to obtain prior drug and alcohol testing records for applicants/employees intending to perform safety-sensitive duties for covered Department of Transportation positions. If an applicant/employee refuses to provide written consent for Amtrak to obtain these records, the individual will not be permitted to perform safety-sensitive functions. In accordance with federal law governing security checks of covered individuals for providers of public transportation (Title 6 U.S.C. §1143), Amtrak is required to screen applicants for any permanent or interim disqualifying criminal offenses. Note that any education requirement listed above may be deemed satisfied if you have an equivalent combination of education, training and experience. Amtrak is an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race/color, to include traits historically associated with race, including but not limited to, hair texture and hairstyles such as braids, locks and twists, religion, sex (including pregnancy, childbirth and related conditions, such as lactation), national origin/ethnicity, disability (intellectual, mental and physical), veteran status, marital status, ancestry, sexual orientation, gender identity and gender expression, genetic information, citizenship or any other personal characteristics protected by law.