Fraud Analyst

Fraud Analyst

Join Us in Making an Impact At OneAZ Credit Union, our success is measured only by yours. We're here to create lasting change in the lives of our members, our communities, and our team. If you're looking for a career with purpose, where your work truly mattersyou've found it!

You're impactful, compassionate, and fearless, ready to embrace new challenges and shape the future of financial well-being. You take accountability for our success and thrive in an environment where curiosity is celebrated. If this sounds like you, let's build something great together.

The Fraud Analyst is responsible for identifying and handling suspicious and problematic account activities while providing consultation and operational direction through professional reports. Core responsibilities include monitoring account activity, performing transactional analysis, preparing reports with recommendations to reduce fraud and transaction risk, and investigating cases of external fraud including but not limited to identity theft, card fraud, fraudulent checks, and various loan related fraud. The Fraud Analyst participates in operational projects and meetings, assists Investigators, Compliance and Risk Management team with various fraud and security requests, and completes all assigned tasks and help desk work orders.

Essential Functions

• Gathers information from internal and external sources for the identification of high-risk accounts/transactions and performs independent assessments of the identified risks to determine an appropriate course of action regarding the account or member.
• Creates and maintains comprehensive case files that document the decision-making process and contain all applicable supporting documentation. Ensures that regulatory reports are prepared in a manner associated with a law enforcement audience and meet regulatory expectations.
• Monitors account activity, analyzes data of fraud/risk to identify risk and loss exposure and takes appropriate action to prevent or limit losses.
• Maintains relationships with peers, law enforcement, and regulatory bodies to stay current on fraud, security, and loss prevention issues affecting credit unions.
• Gathers material evidence for investigations from internal sources, as well as from other financial institutions and law enforcement.
• Provides recommendations for enhancing/improving internal control that results in a reduction of fraud/transactional risks.
• Conducts and assists with training for branch and departmental associates related to fraud and loss prevention.
• Processes surveillance requests for financial institutions and law enforcement.
• Provides phone support to branches and business departments related to fraud, suspicious activity, security, and workplace safety matters.
• Supports other Risk Team Members and performs additional duties as required.
• Assists in creating cases and may write low level/less complex SAR's.
• Assists Compliance with review of CTR's in the absence of the BSA & Compliance Specialist.

What You Bring

• High School Diploma or GED Required
• Bachelor's Degree in criminal justice, business or a related field. Preferred
• Three (3) to five (5) years of analytical operations experience Required
• Three (3) to five (5) years of experience conducting investigations for the banking industry and/or law enforcement agencies including Fraud, AML, Credit, or Risk. Required
• Strong problem-solving skills
• Knowledge of and experience with investigations, analytical techniques, interviewing, security, and fraud prevention.

Compensation & Benefits

• Generous paid time off: paid holidays, floating holidays, personal days, vacation days, plus sick time
• Low-cost Medical, Dental & Vision plans
• Paid childcare assistance
• Award-winning 401K
• Gym fee reimbursement
• Tuition Reimbursement
• Student loan repayment
• ...and much more. Explore all the details in our comprehensive Benefits Booklet
• Target hiring range $56,823.44 - $71,029.30 (Depending on experience and prior to any incentives this position is eligible for)

Why Join OneAZ?

At OneAZ, we're not just a credit union; we're a financial trailblazer that passionately cares about inspiring dreams and driving prosperity in the communities we serve. We exist to clear the way for dreamers and doers, aspiring to be the bank for new pioneers.

We are driving change in our communities, constantly improving our products and services so our members and their families can relentlessly pursue their dreams. By embodying our values and living our promise, you'll be part of a team committed to exceeding expectations and redefining what's possible.