Senior Fraud Prevention Analyst (Hybrid/Remote)

This position is hybrid/remote (in the office 3 days/week). The deadline to apply for this opportunity is November 19, 2025.

Role: The Senior Fraud Prevention Analyst is responsible for the detection, prevention, and mitigation of situations involving fraudulent transactions for ORNL Federal Credit Union.

Essential Functions and Responsibilities:

• Evaluates and develops internal processes and procedures to control weaknesses and potential for loss in order to mitigate loss or fraud. Works collaboratively with cards, ACH, and other vendors to implement rules and/or mitigation steps to prevent fraudulent authorizations/transactions/postings Collaborates with key stakeholders to implement changes in processes and procedures designed to reduce and/or eliminate fraudulent activity.

• Researches and analyzes potential customer fraud cases to identify and prevent future fraud. Processes fraud debit card disputes including crediting members, declining disputes, working reversals and making direct contact with members and merchants.
• Reviews and analyzes data and activity from branches, remote services, digital and internal departments, responding to complex fraudulent service requests and identifying fraudulent transactions to determine patterns and identify areas of potential fraud. Identifies areas that need increased security procedures or software to protect customer accounts. Stays up to date with industry trends and makes recommendations to improve fraud prevention.
• Follows standard procedures to document a loss and prepares a summary and reconciliation. Retains records of loss in order to provide data to leadership, create monthly accounting reports and to various stakeholders. Works collaboratively with legal counsel and key stakeholders to actively recover funds associated with fraud losses. Communicates the status and resolution of the incident to the customer and/or bank.
• Acts as a representative for the Credit Union by delivering court testimonies for both defense and prosecution court cases. Maintains case log and other supporting resources and documentation. Acts as liaison to local, state, and federal law enforcement agencies, providing needed documentation for prosecutions.
• Educates credit union employees and members to identify and respond to potential fraud situations.
• Performs other job-related duties as assigned.

Experience: Three or more years of experience in fraud prevention with a general knowledge of financial fraud procedures and protocol is required. Must have strong computer skills and strong communications by maintaining respect and dignity while assertively explaining the situation - demonstrating crucial conversation skills.

Education: An Associate's degree in a business related field, or an equivalent combination of education, training, work-related experience, or military experience is required.

Other skills required:

• Must be detail-oriented and possess excellent organizational skills.
• Must be able to communicate professionally, persuasively and effectively in verbal and written form.
• Must possess critical thinking and reasoning ability.
• Must be proficient Microsoft 365, particularly Excel.
• Must possess ability to work effectively under pressure and be capable of handling a variety of assignments simultaneously.
• Must have flexibility and willingness to work at a rapid pace in strict time frames.
• Must possess effective planning, organizational, time-management and problem-solving skills.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
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