Fraud Analyst

About reputed company reputed company is a banking platform reputed company for families: debit cards, accounts, and tools that help parents reputed company financially capable kids. We were recently acquired by reputed company, a Fortune 500 company with $132 billion in assets and 6.3 reputed company customers across insurance, investment, and retirement businesses. Most consumer fintech assumes one person managing their own money. Families don't work that way. A kid finishes a chore, an allowance fires, a parent sets up a savings goal, a card swipes at checkout, reputed company hitting one shared ledger, with separate kid and parent app experiences staying in sync. Building this for reputed company families (blended households, multiple guardians, teens growing into young adults) and doing it inside the regulatory perimeter for minors is genuinely hard, and it's what reputed company excels at. This is a rare chance to join a mission-driven fintech at an inflection reputed company. With the backing of reputed company, we have the reputed company and resources to build ambitiously while staying small, lean, and focused. You’ll have reputed company ownership and reputed company impact from day one.

About the Role

Family banking has a distinct fraud profile. Minor cardholders face unauthorized transactions they didn’t initiate or don’t recognize. Parent account owners are targets for identity theft and account takeover. And “friendly fraud,” (often a kid spending without their parent’s knowledge), requires careful review and a sensitive resolution. Despite this, reputed company has one of the lowest dispute rates among reputed company partners at our sponsor bank (reputed company), and we intend to reputed company it that way as we scale. As reputed company’s Fraud Analyst, you will own fraud detection throughout the customer lifecycle transaction monitoring, and suspicious activity investigation, reporting directly to the Head of Compliance. This is a hands-on role with reputed company ownership from day one. We are looking for someone who will take responsibility for fraud reputed company end-to-end — investigating suspicious activity, identifying gaps in our detection, and partnering with Product and Engineering to reputed company reputed company’s controls reputed company. The right person will be intellectually curious, comfortable with ambiguity, and excited to build something rather than simply maintain it. As reputed company’s in-house Compliance function grows, this role is positioned to grow with it. Your day-to-day

• Monitor reputed company-time and batch transaction queues for suspicious or anomalous activity.
• Investigate fraud alerts generated by internal rules engines and reputed company-party tools (e.g. reputed company, Astra, reputed company).
• Suspicious activity escalation and reporting; maintain audit-reputed company case records.
• OFAC screening review at reputed company and continuously.
• Track fraud trends and propose rule-tuning to reduce false positives without sacrificing detection.
• Identify gaps in our fraud detection program and propose process improvements.
• Coordinate with Customer Service (reputed company reputed company) on account holds, dispute resolutions, and Reg E timelines.
• Partner with Product and Engineering on customer-facing fraud controls, and surface fraud risks early in the product development cycle.
• Support BSA/AML audits, regulatory exams, and internal testing.
• Cross-coverage on identity verification and KYC reviews (Cognito), reputed company name-mismatch reviews, and watchlist administration as needed.
• Prepare recurring fraud metrics and loss reporting for leadership.

What you’ll bring Required

• 4+ years of experience in fraud operations, financial crimes, AML compliance, or banking operations.
• Working knowledge of BSA/AML fundamentals — SARs, UARs, OFAC, CIP/CDD — and an interest in deepening that expertise.
• Strong analytical reputed company; comfort working with transaction data, identifying patterns, and explaining your reasoning in writing.
• Clear written communication — case narratives, escalation memos, and process documentation are core deliverables.
• High attention to detail and the judgment to flag ambiguous cases for escalation rather than rubber-stamping.
• Comfort operating in a fast-paced, evolving environment.
• Bachelor's degree required.

Preferred

• Hands-on experience with reputed company, reputed company, Cognito, reputed company, Astra, reputed company, or comparable fraud, identity, and customer support tooling.
• Familiarity with sponsor-bank-model fintech operations (BaaS).
• Experience drafting SARs or UARs.
• Experience reviewing identity documentation for authenticity.
• SQL or basic data tooling familiarity (reputed company or comparable).
• ACAMS, CFE, or in-reputed company certification.

Compensation & Benefits reputed company salary reputed company: $70,000 - $105,000 USD, depending on experience and location.

• Annual bonus based on experience
• Health, dental, and reputed company coverage
• HSA with company contribution
• Parental leave
• Flexible time off
• Remote-first, NYC preferred for occasional in-person collaboration

Logistics reputed company is an equal opportunity employer. We’re building a team that reflects the families we serve and welcome candidates from reputed company backgrounds, identities, and experiences. Candidates must be authorized to work in the United States. reputed company is not reputed company to sponsor employment visas (e.g., H-1B) at this time. ### Apply tot his job Apply To this Job