Fraud Analyst

MQ Referrals Only; Remote; CAD 112,000 - 141,000; Full time

Job summary

A financial services provider is seeking a Fraud Analyst to play a crucial role in detecting and mitigating fraud risk across card programs. The ideal candidate should have over 10 years of experience in fraud investigations, deep understanding of chargeback processes, and strong analytical skills. This position offers flexible remote work options and a competitive salary range based on location. Interested candidates will have the chance to collaborate with compliance and operations teams to identify fraud patterns and improve processes.

Benefits

Flexible time off

Health insurance options

Retirement savings program

Qualifications

• 10+ years of experience in fraud mitigation and investigations.
• Strong knowledge of Visa and Mastercard chargeback processes.
• Expertise in Regulation E and handling unauthorized transactions.

Responsibilities

• Monitor and analyze suspicious transaction activities.
• Conduct complex fraud investigations and maintain case files.
• Gather evidence to support fraud decisions and identify trends.

Skills

Fraud investigations

Analytical skills

Communication skills

Tools

Visa Resolve Online (VROL)

Disputes case management systems

Job description

As Marqeta’sFraud Analyst you will play a critical role in detecting, investigating, and mitigating fraud risk across our card programs and payment platforms. This role requires deep expertise in fraud disputes, network chargeback processes, regulatory compliance (Regulation E), and card‑network rules, combined with strong analytical and investigative skills.

The ideal candidate brings hands‑on experience operating within card processing, fintech, or financial services environments, and is comfortable acting as a subject‑matter expert across fraud investigations, disputes, and network compliance.

We work Flexible First. This role can be performed remotely in the United States, only in one of our Premium or National locations, which you can review here.

The Impact You’ll Have

• Monitor, investigate, and analyze suspicious transaction activity using internal and external fraud and risk monitoring tools
• Conduct complex fraud investigations, including card‑not‑present (CNP), card‑present (CP), account compromise, and dispute‑driven fraud cases
• Gather, document, and maintain detailed evidentiary case files to support fraud decisions
• Perform deep‑ dive analyses to identify fraud trends, root causes, and emerging typologies
• Review and action alerts generated by Real‑time Transaction Monitoring system
• Analyze large datasets to identify red flags, anomalies, and emerging fraud trends
• Test, validate, and troubleshoot fraud controls to ensure effectiveness and operational integrity
• Document fraud procedures, workflows, and controls to support auditability and operational efficiency
• Escalate identified control gaps, compliance risks, or operational issues to management
• Serve as a subject‑matter expert on disputes, chargeback workflows, and network rules, including timelines and evidence requirements
• Apply deep knowledge of Regulation E to ensure compliant handling of unauthorized transaction claims, provisional credits, timelines, and customer notifications
• Collaborate closely with Disputes, Compliance, and Operations teams to identify emerging fraud patterns and systemic risks
• Utilize Visa Resolve Online (VROL) to investigate fraudulent transactions and support chargeback workflows
• Support continuous improvement initiatives across fraud monitoring, disputes handling, and regulatory compliance

Who You Are

• 10+ years of experience in fraud mitigation, investigations, or disputes within card processing, banking, fintech, or financial services
• Strong, hands‑on experience with Visa and Mastercard chargeback processes, rules, and timelines
• Demonstrated expertise in Regulation E (and working knowledge of Regulation Z), including unauthorized transaction handling, provisional credits, and customer notification requirements
• Strong working knowledge of disputes case management systems and platforms
• Deep understanding of debit and credit card lifecycle, transaction flows, and network ecosystems
• Proven ability to analyze large volumes of transactions and dispute data to identify fraud trends and operational risks
• Experience using Visa platforms such as Visa Resolve Online (VROL)
• Excellent investigative, analytical, and problem‑solving skills
• Strong written and verbal communication skills, with the ability to clearly document findings and present insights

Typical Process

• Application Submission
• Virtual “Onsite” consisting of 4‑5, 45 min calls
• Offer!

Compensation and Benefits

Marqeta is a Flex First company which allows you to choose your best working environment, whether that be from home or at a company office. To support Flex First, we calibrate pay to a competitive value according to working location. Compensation is aligned according to three tiers within the United States:

• National: A baseline tier that applies to most of the geographic territory of the United States.
• Premium: Slightly elevated from the National tier, and oriented toward a narrower set of higher cost‑of‑living areas, such as Los Angeles CA and Seattle WA
• Premium Plus: A tier for the most expensive working areas, like the San Francisco Bay area and New York City.

Visit this page or consult with a Recruiter to determine which tier would be applicable to you.

When determining salaries, we consider several factors including, but not limited to, skills, prior experience, and work location. The new‑hire base salary range for this position is:

• National: $82,600 – $103,200
• Premium: $89,400 – $111,700

We also believe in recognizing the contributions of our people. That’s why we award annual bonuses to eligible employees, rewarding both individual performance and the success of the entire company.

Along with monetary compensation, Marqeta offers

• Multiple health insurance options
• Flexible time off – take what you need
• Retirement savings program with company contribution and after‑tax contributions
• Equity in a publicly‑traded company and an Employee Stock Purchase Program
• Family‑forming benefits, fertility support, and up to 20 weeks of Parental Leave
• Free therapy sessions, financial and professional coaching, and legal advice
• Monthly stipend to support our remote work model
• Annual “development dollars” to support our people growth and development
• Through Flex First, the freedom to live and work wherever you and your family thrive

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