Qureos Mentor

Stride Bank Na

<div><p>The Fraud Analyst II is responsible for conducting complex fraud investigations, mitigating financial losses, and identifying emerging fraud trends. This position operates autonomy and serves as a subject matter resource within the fraud team. The Fraud Analyst II plays a key role in strengthening fraud controls, improving detection strategies, and balancing risk mitigation with customer experience.
</p><p>PRINCIPAL DUTIES AND RESPONSIBILITIES</p><ul><li>
Investigates high-risk and complex fraud cases, including account takeover, business email compromise, wire fraud, check fraud, elder financial exploitation, and synthetic identity activity.
</li><li>Conducts in-depth transaction analysis across multiple accounts and channels.</li><li>
Identifies connections between related accounts or suspicious patterns.</li><li>
Makes independent decisions regarding account restrictions, closures, and loss mitigation strategies.</li><li>
Prepares detailed case documentation suitable for potential law enforcement referral.</li><li>
Proactively acts to minimize losses and reduce ongoing exposure.
</li><li>Coordinates with branches, operations and digital banking teams, and third-parties on fraud-related matters.</li><li>
Assists with chargeback disputes and recovery efforts.</li><li>
Supports restitution or recovery tracking as applicable.</li><li>
Identifies fraud trends, systemic vulernabilities, and control gaps.
</li><li>Provides recommendations to improve fraud detection rules, thresholds, and workflows.</li><li>
Participates in testing and implementation of new fraud tools or system enhancements.</li><li>
Assists in updating fraud procedures and playbooks.</li><li>
Serves as a point of escalation for lower-level team members.</li><li>
Provides guidance on investigative approaches and documentation standards.</li><li>
Supports internal audit and examination requests related to fraud cases.</li><li>
Collaborates with compliance and risk teams when cases overlap with broader risk concerns.</li><li>
Communicates professionally with members experiencing fraud-related issues.</li><li>
Provides clear explanations of next steps, timelines, and preventative measures.
</li><li>Supports fraud awareness initiatives across the organization.</li><li>
Performs other duties as assigned.
</li></ul><p>EDUCATION AND/OR EXPERIENCE</p><ul><li>
Associates or Bachelor&rsquo;s degree, or combination of equivalent education and work experience, required.</li><li>
3-5 years of fraud investigation experience within a financial institution, required.</li><li>
Demonstrated experience handling complex fraud cases, required.
</li><li>Working knowledge of card networks, ACH rules, wire processes, and digital banking fraud risks, required.</li><li>
Professional certifications such as CFE (Certified Fraud Examiner), a plus.
</li></ul><p>KNOWLEDGE, SKILLS, AND ABILITIES</p><ul><li>
Strong analytical and conceptual thinking skills, with the ability to independently solve problems and make decisions using data.</li><li>
Ability to organize thoughts and express ideas clearly.</li><li>
Strong knowledge of regulatory environment(s) and emerging BSA/AML and fraud trends.</li><li>
Strong investigative, written and oral communication skills.</li><li>
Strong commitment to ethics, and the ability to understand a variety of issues and perspectives.</li><li>
Understanding of the banking industry, including bank partnerships with fintech companies.</li><li>
Multitask effectively and action matters promptly both independently and in a team environment.</li><li>
Handle highly confidential information with appropriate discretion and work in a high volume, fast paced environment.</li></ul></div>

Fraud Analyst II

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Stride Bank Na

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Fraud Analyst II