Card Fraud Analyst

Habitat For Humanity Of Durham; Raleigh (NC); Hybrid; USD 70,000 - 95,000; Full time

Job summary

Coastal Federal Credit Union in Raleigh, NC is seeking a Card Fraud Analyst to lead advanced card fraud detection, prevention, and analysis. You will design and optimize fraud rules, assess trends, support regulatory compliance, and partner with internal teams and vendors to safeguard members and minimize losses.

You will focus on analytics, rule development, and cross-functional collaboration across Card Services, Disputes, and external providers, ensuring effective resolution of complex fraud

Qualifications

• Three years of financial institution experience in sales, lending, operations, or fraud.
• Two years of experience with relational database systems, such as Microsoft SQL, PowerBI or equivalent, and fraud rule analysis preferred.
• Experience with managing a relationship with a third-party provider.

Responsibilities

• Fraud Analytics, Reporting, and Trend Analysis: Analyze card fraud activity and losses using large data sets; create dashboards and reports to measure rule performance and impact.
• Fraud Rule Development, Optimization, and Testing: Develop, install, test, and maintain fraud rules based on data and trends; translate requirements into configurations.
• Cross-Functional Partnership and Escalation Management: Liaise with Card Disputes Specialists and coordinate across Card Services and vendors to resolve complex cases.
• Vendor, System, and Technology Support: Guide third-party providers on configurations, rule changes, upgrades, and issue resolution.
• Compliance, Policy, and Risk Support: Apply Regulation E and Z and card statutes; help develop policies and procedures.
• Process Improvement, Documentation, and Knowledge Sharing: Document workflows, train junior analysts, and monitor fraud trends and system updates.

Skills

Fraud analytics

SQL

Data analysis

Cross-functional collaboration

Vendor management

Education

Bachelor's degree or equivalent

Tools

Microsoft SQL

Power BI

Job description

Job Title: Card Fraud Analyst

Position Location: Raleigh, NC. Hybrid position, must live locally.

Job Summary:

The Card Fraud Analyst leads advanced card fraud detection, prevention, and analysis activities. This role serves as a technical and analytical expert, leveraging data, business intelligence tools, and industry knowledge to design and optimize fraud rules, assess fraud trends, support compliance, and partner with internal teams and third‑party vendors. The Card Fraud Analyst also acts as a liaison and escalation point to ensure effective resolution of complex fraud issues while safeguarding members and minimizing financial loss to the Credit Union.

As a key contributor to the Coastal team, your responsibilities will be:

• (30%) Fraud Analytics, Reporting, and Trend Analysis: Analyze card fraud activity and losses by leveraging large data sets and business intelligence tools. Create, maintain, and deliver dashboards, reports, and data models that measure fraud rule performance, financial impact, and operational effectiveness. Monitor fraud trends within Coastal and the broader marketplace, including identifying common points of compromise and emerging risk patterns.
• (25%) Fraud Rule Development, Optimization, and Testing: Proactively recommend, develop, install, test, and maintain credit and debit card fraud rules based on internal data, industry trends, and stakeholder needs. Translate business and risk requirements into actionable system configurations, ensuring optimal fraud detection while minimizing member impact. Perform testing related to rule changes, system enhancements, and projects.
• (15%) Cross‑Functional Partnership and Escalation Management: Serve as a key liaison with Card Disputes Specialists to support escalated member situations and complex fraud cases. Act as a central point of coordination between Card Services, internal departments, processing partners, external vendors, and third‑party providers to resolve issues, support implementations, and maintain efficient daily operations.
• (10%) Vendor, System, and Technology Support: Partner with third‑party providers regarding system configurations, fraud rule changes, upgrades, outstanding tickets, and enhancements. Provide analytical and technical guidance throughout the analysis, design, testing, implementation, and maintenance phases to ensure optimal fraud prevention performance and system stability.
• (10%) Compliance, Policy, and Risk Support: Interpret and apply applicable regulations, including Regulation E and Regulation Z, as well as debit and credit card statutes, to ensure regulatory compliance. Contribute recommendations for the development and maintenance of card fraud and dispute policies and procedures based on data analysis, regulatory requirements, and operational best practices.
• (10%) Process Improvement, Documentation, and Knowledge Sharing: Develop and document business functions, procedures, and workflows. Schedule and complete daily fraud monitoring tasks and provide training to junior analysts related to process changes, fraud trends, and system updates. Research and clear outstanding general ledger items to identify errors, trends, and opportunities for process or training improvements. Stay current on card fraud trends, evolving technologies, and vendor releases to continually strengthen fraud detection and prevention capabilities.

Interested? Here are the qualifications we need to see on your resume:

Experience:

• Three years of financial institution experience in sales, lending, operations, or fraud
• Two years of experience with relational database systems, such as Microsoft SQL, PowerBI or equivalent, and fraud rule analysis preferred
• Experience with managing a relationship with a third-party provider

Education:

• Related bachelor's degree or four years of additional experience in lieu of degree

Essential cognitive/physical/social requirements of position:

Must be able to learn and retain information; resolve problems and think sequentially; remain in a stationary position; constantly operate a computer; and converse with others on a continual basis.

Deadline for Application: All resumes must be received on or before 9/22/2026

Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or take over sponsorship of an employment Visa at this time.

Coastal Federal Credit Union is committed to providing reasonable accommodations to applicants who may have disabilities. If you need special assistance or an accommodation in applying for employment, please contact our HR department at [e-mail]. Request for reasonable accommodation will be considered on a case by case basis.

"It's our duty to create a workplace and company culture where everyone feels heard and valued, and is appreciated for their unique backgrounds, experiences, and perspectives. At the end of the day, what truly matters is that every person who walks through our doors believes that they are an integral part of our team and can bring their best, true self to work each day. Building a culture of inclusivity means creating an environment where everyone thrives and succeeds together."\

-Tyler Grodi, CEO

VEVRAA Federal Contractor

Equal Opportunity/Affirmative Action Employer

Minority/Female/Disability/Veterans