Fraud Investigator jobs in United States

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Senior Fraud Analyst

Job details

Salary Competitive plus benefits LocationManchester Discipline Reference020482

The role

We’re looking for an Senior Fraud Analyst to join our Credit Risk team.

This is a key role in the Financial Services business with responsibility for helping to drive fraud strategy to protect the business from fraud and other financial crime. To achieve this, you will be an experienced fraud strategy professional who is highly data literate, with good knowledge of platforms and techniques to combat fraud and other financial crime, and also have a good understanding of the interplay between minimising fraud and maximising sales. This role is ideal for somebody with experience working within an analytical fraud strategy role who is wanting to make the step up to a senior analyst position.

You would report to the Senior Manager Fraud Strategy who is responsible for fraud and financial crime strategy. In the role you would work closely with other teams in the wider organisation, e.g. New Business Risk, Customer Operations, Warehouse Operations, Risk and Compliance and Digital Technology.

A key pillar of our Group Strategy is the creation of a new Financial Services platform, which presents significant growth opportunities. You would provide SME analytical support to deliver the capability to manage fraud and other financial crime risk.

What will you do as a Senior Fraud Analyst at N Brown?

* Provide support in all aspects of consumer fraud and financial crime, including knowledge of 1st and 3rd party fraud typologies and fraud detection data, techniques and platforms.

* Responsible for oversight of the fraud control rule structure, working closely with various third-party fraud prevention solution providers (e.g. Lexis Nexis Threatmetrix), and leading in elements of the continuous improvement in fraud strategy.

* Responsible for the ownership, design and implementation of fraud strategies, to detect and prevent 3rd party consumer credit fraud such as impersonation and account takeover, and 1st party fraud, e.g. from customer claims, together with UAT within our fraud decision systems.

* Use data analysis and modelling techniques to undertake complex analysis to continually optimise rules to detect fraud whilst minimising the impact to good sales, and present findings and recommendations to the Leadership Team

* Be responsible for the evolution of fraud strategy monitoring, with written evaluation of performance, highlighting emerging risks or trends and initiating further actions and analysis.

* Monitor KPIs and KRIs to ensure new fraud risks and emerging trends are detected and reviewed in a timely fashion, and strategy changes are working as expected.

* Be a key fraud business lead for tactical and strategic initiatives, providing SME input to delivery leads.

* Build effective collaborations with other business areas and product owners across the company to ensure business change initiatives are delivered in line with fraud risk appetite and with appropriate fraud controls.

* Develop key stakeholder relationships both internally and externally to N Brown.

* Maintain knowledge of regulatory changes, ensuring fraud strategies adhere to all governance, financial crime and compliance standards.

* Provide SME support in the delivery of fraud and financial crime capabilities and strategies into the new Financial Services platform

What skills and experience will you have?

* You have a degree in a STEM subject.

* You would have previous experience in data analysis and strategy development for fraud prevention and detection, working for a direct to consumer lender.

* You should be highly analytical with a demonstrated ability to solve problems through logical thinking.

* You have experience using SQL, SAS or Python for data mining and analysis.

* You would be comfortable extracting and analysing large datasets using SQL.

* You have excellent presentation skills and are able to explain complex analysis in a simple and concise way, using the Microsoft Office suite.

* You must have excellent organisational skills to prioritise and deliver required output accurately and in a timely fashion.

* You would be able to collaborate effectively by building good relationships with your peers across the business e.g. in operational departments and digital technology.

* You will have demonstrated a high level of attention to detail and routinely incorporate checks into your work to ensure accuracy.

* You are a ‘self starter’ who takes initiative and can work with ambiguity.

* Desirable

* You may have worked in a consumer fraud analytical role for an online retail lender.

* You may have experience working with fraud decision systems (e.g. CyberSource, ThreatMetrix, Mitek)

* You may have experience working with fraud models and understand how to measure model performance and drift.

* You may have experience in fraud model development.

What’s in it for you?

* Hybrid working

* 24 days holiday (+ 8 bank holidays) with the option to buy an additional 10 days

* Annual bonus scheme

* Enhanced maternity and adoption leave

* Company pension with up to 8% N Brown contribution

* Mental Health support both internally and externally, including access to our wellbeing champions and counselling services

* A range of financial wellbeing support

* Colleague discount across all N Brown brands

* Onsite café with subsidised rates and local restaurant discounts!

* Life Assurance and Private Medical Insurance

* Paid volunteer time – all our colleagues can take a full day paid to volunteer for a charity of their choice

N Brown – who we are and why work for us?

At N Brown, we’re committed to building a diverse workforce and creating an inclusive environment that values equality for all. Our vision is that by ‘championing inclusion, we’ll become the most loved and trusted fashion retailer’. Diversity, Equity, Inclusion and Belonging are, therefore, at the heart of our culture.

We’re a forward-thinking digital retailer with a financial services proposition to be proud of. We’re customer-obsessed, serving them through three core brands: JD Williams, Simply Be, and Jacamo. We’re experienced, with over 160 years of trading under our belt. We’re inclusive, as we believe in fashion without boundaries; and we’re sustainable, striving to make as little impact on the planet as possible.

In May 2024 we were delighted to be named one of The Sunday Times Best Places to Work 2024. We work hard to create a happy and inclusive culture for everyone and we’re so proud to have made this list - as voted for by our very own colleagues!

Ways of Working

We offer hybrid working which varies across the business depending on the role you’re in. Our Head Office is located in the Northern Quarter in Manchester City Centre. So if you are travelling by train, tram or bus we’re perfectly located, plus we’re surrounded by cool cafes, trendy bars and the best places to eat!

Our working hours are 36.17 per week and our core working hours are between 10am - 4pm. Given we don’t have strict working hours you can find the working pattern that’s right for you.

Our promise to you:

We’re an equal opportunity employer and value diversity. We do not discriminate based on race, religion, colour, national origin, sex, gender, gender expression, sexual orientation, age, marital status, veteran status, or disability status.

What happens when you apply to a role at N Brown?

As soon as we receive your application, we’ll send you an email to let you know. We always aim to come back to you as soon as possible with an update and we really appreciate you taking the time to apply for a role with us. Good luck!