Senior Fraud Strategy Analyst - Rules Engine & Decisioning

Ascensus is the leading independent technology and service platform powering savings plans across America, providing products and expertise that help nearly 16 million people save for a better today and tomorrow. Ascensus is seeking a Senior Fraud Strategy Analyst to join our Fraud Risk Management team. This role will be responsible for helping design, execute, and continuously improve fraud detection, prevention, and mitigation strategies across the organization. The Senior Fraud Strategy Analyst will play a key role in identifying fraud trends and emerging threats, owning fraud rules and strategy execution, analyzing performance, and strengthening fraud risk capabilities over time. This is a highly impactful role for an experienced fraud professional who can balance day-to-day execution with broader strategic thinking. The ideal candidate will bring strong fraud domain expertise, experience working within a rules-based fraud environment, and the ability to use data and performance results to improve outcomes. This role is well-suited for someone who not only wants to execute fraud strategy but also help build and mature fraud capabilities in a growing environment. Key Responsibilities Own and support fraud detection and prevention strategies across the fraud lifecycle Manage and optimize the fraud rules platform, including creating new rules, refining existing rules, testing changes, validating outputs, and monitoring performance Analyze fraud detection results to identify false positive and false negative trends and recommend strategy changes that improve fraud capture while minimizing customer friction Identify and respond to new and emerging fraud trends, attack patterns, and typologies across a broad range of fraud risks Conduct root cause analysis of fraud events, losses, rule misses, and control failures, and translate findings into actionable recommendations Use fraud tools, analytics, reporting, and available data sources to identify suspicious activity and support strategy optimization Help build and mature fraud capabilities in a net-new or evolving environment, including supporting process development, rules governance, documentation standards, and performance monitoring practices Partner cross-functionally with teams across risk, operations, compliance, legal, technology, product, and customer-facing functions to strengthen fraud controls and support strategic initiatives Work with internal technology teams and third-party providers to enhance fraud systems, rules management capabilities, analytics, reporting, and detection tools Monitor fraud trends and key performance indicators and communicate findings, risks, and opportunities to leadership and business partners Prepare clear and concise documentation, analyses, summaries, and presentations related to fraud trends, rule changes, strategy performance, and control recommendations Identify opportunities to improve workflows, controls, reporting, and fraud decision strategies, and help drive continuous improvement across the function Support urgent or high-priority fraud issues requiring timely analysis, strategy adjustments, and cross-functional coordination Protect confidential information and ensure proper handling of sensitive data in accordance with company expectations and standards Demonstrate Ascensus’ I-Client service philosophy and Core Values of People Matter, Quality First, and Integrity Always® Support additional projects and responsibilities as needed Required Qualifications 3–7 years of progressive experience in fraud strategy, fraud investigations, financial crimes, or financial services risk management Experience in fraud and/or financial crime roles within banking, financial services, fintech, payments, retirement services, wealth services, or other highly regulated environments Experience creating, managing, tuning, or optimizing fraud rules and decision strategies within a fraud platform or rules-based environment Experience analyzing fraud rule performance and using data to assess outcomes, validate results, identify optimization opportunities, and improve strategy effectiveness Strong knowledge of fraud typologies and fraud risk management practices across a range of fraud types, including identity fraud, account takeover, social engineering, payment fraud, mule activity, first‑party fraud, and organized fraud schemes Proven ability to identify emerging fraud patterns and translate findings into actionable recommendations, control enhancements, and long‑term strategy improvements Experience working across fraud systems, rules management, fraud analytics and optimization, and fraud risk strategy Strong analytical, critical thinking, and problem‑solving skills, with the ability to interpret results, identify themes, assess risk, and make sound recommendations Ability to work independently, exercise sound judgment, and manage multiple priorities in a fast‑paced and evolving environment Strong written, verbal, and presentation skills, with the ability to communicate effectively across all levels of the organization Proven ability to identify process improvement opportunities and convert insights into practical solutions Familiarity with fraud reporting, dashboarding, trend monitoring, or KPI/KRI development Why This Role This is an opportunity to play a key role in shaping and strengthening fraud strategy in a growing environment. The Senior Fraud Strategy Analyst will have the chance to make an impact through both hands‑on strategy execution and longer‑term program development — helping improve fraud controls, optimize detection strategies, and build stronger fraud capabilities over time. The national average salary range for this role is $100k-150k in base pay, exclusive of any bonuses and benefits.This base salary range represents the low and high end of the salary range for this position. Actual salary offered will vary and may be above or below the range based on various factors including but not limited to location, experience, performance, and internal pay alignment. We do not anticipate that candidates hired will begin at the top of the range however, from time to time, it may occur on a case‑by‑case basis. Other rewards and benefits may include: 401(k) match, Medical, Dental, Vision, Paid-Time-Off, etc. For more information, please visit careers.ascensus.com/#Benefits. Be aware of employment fraud. All email communications from Ascensus or its hiring managers originate from @ascensus.com or @futureplan.com email addresses. We will never ask you for payment or require you to purchase any equipment. If you are suspicious or unsure about validity of a job posting, we strongly encourage you to apply directly through our website. For all virtual remote positions, in order to ensure associates can effectively perform their job duties with no distractions, we require an uninterrupted virtual work space and there is also an expectation of family care being in place during business hours. Additionally, there is an internet work speed requirement of 25 MBps or better for individual use. If more than one person is utilizing the same internet connection in the same household or building, then a stronger connection is required. If you are unsure of your internet speed, please check with your service provider. Note: For call center roles specifically, it is a requirement to either hardwire your equipment directly to the internet router or ensure your workstation is in close proximity to the router. Please ensure that you are able to meet these expectations before applying. Ascensus provides equal employment opportunities to all associates and applicants for employment without regard to ancestry, race, color, religion, sex, (including pregnancy, childbirth, breastfeeding and/or related medical conditions), gender, gender identity, gender expression, national origin, age, physical or mental disability, medical condition (including cancer and genetic characteristics), marital status, military or veteran status, genetic information, sexual orientation, criminal conviction record or any other protected category in accordance with applicable federal, state, or local laws (“Protected Status”). #J-18808-Ljbffr ISHE