Fraud Detection Analyst

Tangerine-04ff376; Toronto; Hybrid; CAD 60,000 - 80,000; Full time

Benefits offered by this job

Annual bonus

Flexible vacation

Personal and sick days

Comprehensive benefits

Job summary

Tangerine Fraud Operations is seeking a Fraud Detection Analyst in Canada to detect, investigate and mitigate fraudulent activity across Tangerine products. You will protect customers, minimize losses, and support fraud strategy while ensuring compliance with regulations and policies.

You will investigate alerts, analyze transactions, contact customers, and collaborate with teams to identify trends and prevent fraud across multiple channels.

Qualifications

• High school diploma or equivalent.
• Customer service experience, preferably in financial services.
• Strong analytical, critical-thinking and decision-making skills with attention to detail and risk.
• Effective interpersonal, verbal and written communication skills.
• Active listening, customer acknowledgement and problem-resolution skills.
• Ability to navigate multiple applications and systems in a fast-paced environment.
• Working knowledge of MS Word and MS Excel.

Responsibilities

• Investigate suspicious activity and assess alerts generated by fraud detection tools.
• Analyze account and transaction information to determine actions (block or verify).
• Detect, prevent and mitigate fraudulent activity to minimize losses and customer impact.
• Proactively contact customers and take ownership of their concerns.
• Investigate Mastercard acquisitions for fraud risk.
• Review fraud referrals and mark confirmed fraud applications for monitoring.
• Identify emerging fraud trends and potential points of compromise.
• Collaborate with team to protect other Tangerine products at risk.
• Communicate with internal departments to resolve inquiries and complaints.
• Support fraud inbound team and meet service levels and performance indicators.
• Apply risk appetite and governance in day-to-day decisions.
• Participate in team initiatives and continuously develop fraud knowledge.

Skills

Analytical thinking

Critical thinking

Decision making

Attention to detail

Communication skills

Interpersonal skills

Active listening

Problem resolution

MS Word

MS Excel

Customer service

Education

High School Diploma or equivalent

Tools

MS Word

MS Excel

Job description

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At Tangerine,we’reredefining banking. As Canada’s leading digital bank, we thrive on innovation, agility, and bold thinking, tackling every challenge head-on with leading technology and the unstoppable power of collaboration.

Our client-obsessed teams deliver flexible, accessible banking solutions, breakthrough products, and award-winning service. Beyond banking,we’recommitted to making an impact in the communities we serve and across our organization. We foster a culture built on integrity, inclusion, and fearless ambition – where diverse perspectives are valued, and people are empowered to do their best work.

Are you ready to disrupt the status quo? Do you crave challenges that push boundaries? Ifyou’rea high performer looking to accelerate your career and reimagine the banking landscape, this is your moment.

Let’sshape the future of banking together!

The Fraud Detection Analyst contributes to the success of the Tangerine Fraud Operations Team in Canada by detecting, investigating and mitigating fraudulent activity across Tangerine products. The role protects customers and minimizes financial losses while supporting the Bank’s fraud strategy and ensuring compliance with governing regulations, internal policies and procedures.

Is this role right for you? In this role you will:

• Investigate suspicious activity across Tangerine products and assess alerts generated by fraud detection tools.
• Analyze account and transaction information to determine whether to block an account or contact the customer to validate activity.
• Detect, prevent and mitigate fraudulent activity to minimize financial loss and customer impact.
• Contact customers proactively, take ownership of their concerns and work toward resolution at the first point of contact.
• Investigate new Mastercard acquisitions to assess application validity and potential fraud risk.
• Review ad hoc fraud referrals, including suspected fraudulent application lists, and accurately mark confirmed fraud applications for monitoring and tracking.
• Identify and escalation emerging fraud trends, large-scale attacks and potential points of compromise to management.
• Collaborate with team members to identify other Tangerine products at risk and take timely action before fraudulent activity occurs.
• Communicate with internal departments to resolve fraud-related inquiries and customer complaints.
• Support the Fraud inbound team as required and achieve established service levels and performance indicators.
• Apply the Bank’s risk appetite, risk culture and business controls when making day-to-day decisions.
• Participate in team initiatives, support change and continuously develop your knowledge of fraud procedures, technologies and processes.

Do you have the skills that will enable you to succeed in this role? We’d love to work with you if you have:

• You have a high school diploma or equivalent.
• You have customer service experience, preferably within the financial services industry.
• You have strong analytical, critical-thinking and decision-making skills, with close attention to detail and the ability to recognize risk.
• You have effective interpersonal, verbal and written communication skills.
• You have strong active-listening, customer acknowledgement and problem-resolution skills.
• You can work effectively in a fast-paced environment and navigate multiple applications and systems.
• You have working knowledge of Microsoft Word, Microsoft Excel and other basic PC applications.
• YOU are available to work non-standard hours, including weekends and statutory or general holidays, based on business needs.
• You can work in a headset-based, hybrid environment. Part-time and fixed shifts may be available to support departmental requirements.
• You can support departmental operating hours from Monday to Sunday, 8:00 a.m. to midnight, or overnight shifts from 10:00 p.m. to 8:00 a.m., where applicable. Operating hours may change based on business needs.
• It would be an asset if you have post-secondary education in business or a related discipline, previous Retail Banking or Advice/Call Centre experience, or knowledge of systems supporting debit cards, credit cards and alternate delivery channel products.

What’s in it for you?

• A rewarding career path with diverse opportunities for professional development
• An organization committed to making a difference in our communities – for you and our customers.
• A competitive rewards program includes annual bonus, flexible vacation, personal and sick days, and comprehensive benefits that start on your first day.
• Diversity, Equity, Inclusion & Allyship - We strive to create an inclusive culture where every employee is empowered to reach their fullest potential, respected for who they are, and are embraced through bias-free practices and inclusive values across Scotiabank. We embrace diversity and provide opportunities for all employees to learn, grow & participate through our various Employee Resource Groups (ERGs) that span across diverse gender identities, ethnicity, race, age, ability & veterans.
• Accessibility and Workplace Accommodations - We value the unique skills and experiences every individual brings to the Bank and are committed to creating and maintaining an inclusive and accessible environment for everyone. Scotiabank continues to locate, remove and prevent barriers so that we can build a diverse and inclusive environment while meeting accessibility requirements.

At Tangerine we value the unique skills and experiences each individual brings to the team, and are committed to creating and maintaining an inclusive and accessible environment. If you require accommodation during the recruitment and selection process, please let our Recruitment team know.