Digital Fraud Analyst

S Piper Staffing LLC; United States; On-site; USD 60,000 - 95,000; Full time

Job summary

S Piper Staffing LLC seeks a Fraud Analyst (Digital) to join our eCommerce risk team in the United States. You will review transactions, apply risk rules, and investigate suspicious activity while maintaining customer service and data privacy.

Ideal candidates hold a Bachelor’s degree in a finance/asset protection field and have 1+ years in fraud prevention, investigations, and risk assessment, with familiarity using Intercepts and Microsoft 365 tools.

Qualifications

• Bachelor’s degree in a finance/asset protection field or related area.
• 1+ years in eCommerce asset protection, fraud prevention, or equivalent.
• Experience in fraud prevention, investigations, risk assessment, and analytics.
• Experience as a Fraud Analyst (Digital) for a large retail company is preferred.
• Familiar with payment transactions, order review processes, and fast-paced work.

Responsibilities

• Review transactions for potential fraud and abuse to limit losses.
• Monitor real-time queues for fraud across multiple transaction types.
• Determine legitimacy using risk rules, details, and device/IP data.
• Investigate fraudulent vectors including account takeover and credential stuffing.
• Support customer service to resolve suspicious digital transactions.
• Diffuse escalated fraud and meet SLAs in the order review queue.
• Manage end-to-end dispute and chargeback processes and reporting.
• Ensure PCI-DSS confidentiality and adhere to industry regulations.

Skills

Attention to detail

Fraud analysis

Risk assessment

Investigations

Customer service

Education

Bachelor’s Degree in Criminal Justice, Forensic Accounting, or other Finance/Asset Protection field of study

Tools

Intercepts

Outlook

Microsoft Teams

Microsoft Excel

Microsoft 365

Job description

• Strong attention to detail and accuracy.
• Ability to quickly learn and navigate multiple systems.

Qualifications & Requirements:

• Bachelor’s Degree in Criminal Justice, Forensic Accounting, or other Finance/Asset Protection field of study.
• 1+ years of experience in eCommerce asset protection, fraud prevention, customer service, banking industry, or equivalent.
• Experience in fraud prevention, investigations, risk assessment, customer service, retail operations, or other analytical roles.
• Must have experience as a Fraud Analyst (Digital) for a large, well-known, retail/apparel company.
• Familiarity with payment transactions, order review processes, and working in a fast-paced environment.
• Experience applying policies, documenting decisions, and managing sensitive information.
• Curious, detail-oriented, and able to make sound decisions in a fast-paced environment.
• Comfortable reviewing large volumes of orders while maintaining a high degree of accuracy and consistency.
• Strong critical thinking skills and the ability to identify potential fraud indicators.
• Ability to balance risk mitigation with providing a positive member experience.
• Self-motivated, adaptable, and comfortable working independently, while also collaborating with partners across the business.
• Ability to communicate clearly, follow established processes, and is willing to ask questions when needed.
• Previous experience in fraud prevention, risk assessment, investigations, customer service, or other analytical work is beneficial, but a strong willingness to learn and apply feedback is equally important.
• Ability to effectively balance speed, accuracy, and good judgment, especially during periods of high volume.
• Effective written, verbal, and interpersonal communication skills.
• Strong organizational and time-management skills.
• Ability to adapt to changing priorities and business needs.
• Strong problem-solving mindset and skills.
• Experience using Intercepts, Outlook, Microsoft Teams, and other Microsoft Office Applications.
• Comfortable learning new systems, navigating multiple tools, and communicating effectively in a digital work environment.
• Preferred Professional Industry Certifications: LPC, LPQ, CFI, FPSS, etc.
• Working knowledge of systems including COM/SOM, CSA, OSI, and EJ is preferred.
• Knowledge of rule-based/machine learning fraud detection systems, including transaction review, advanced reporting, rule creation/maintenance, and analysis is preferred.
• Ability to effectively perform external customer investigations using all available tools, including online directories, social media, CCTV, and internal databases is preferred.
• In depth knowledge of bankcard chargeback/dispute resolution.
• Ability to perform all functions of the chargeback and dispute lifecycle, including collections.
• Experience with Microsoft 365 applications, including Microsoft Excel.

Key Responsibilities:

• Deliver task-based operational objectives such as reviewing transactions for potential fraud and abuse, ensuring minimal impact to the company due to financial losses.
• Monitor real-time queues for fraud, including Gift Cards order, BOPUS, RSPU, International, Expedited, Corporate, and Group Sales transactions.
• Determine legitimacy of orders using rules-based risk screening, transactional details, email/social media footprint and activity, IP/Device information, payment details, etc.
• May also rely on ad hoc online research including address validation tools.
• Identify and investigate fraudulent attack vectors, including account takeover (ATO), credential stuffing, friendly fraud, gift card theft, and other similar risks.
• Support sales and customer support (SCS) team to investigate and resolve inquiries on suspicious digital transactions.
• Validate legitimate activity and provide excellent customer service as needed.
• Diffuse escalated fraud, abuse, and payment situations with tact and diplomacy.
• Meet all Service Level Agreements (SLAs) within manual order review queue and referral/email contacts for internal partners and customers.
• Responsible for end-to-end dispute and chargeback functions, including transaction representments, dispute resolution, collections, tracking, and reporting of chargeback and dispute activity.
• Comply with all chargeback/dispute industry regulations.
• Create and submit GL account entries to correct appropriate bad debt accounts.
• Provide training to new or entry level teammates.
• Ensure appropriate confidentiality and PCI-DSS adherence in all communications and interactions.
• Recognize and communicate process improvements and fraud mitigation strategies.
• Ability to work four, ten-hour shifts per week, including at least one weekend day (shift times may include early mornings or late evenings).
• Collaborate and communicate daily with omni-channel Fraud Team Members.
• Collaborate and perform research to assist in case/investigation resolution.
• Validate the legitimacy of transactions.
• Analyze available information and make risk-based decisions in accordance with established procedures.
• Work through a queue of flagged orders, documenting outcomes, escalating complex cases when necessary, and balancing productivity expectations with accuracy and thoughtful decision-making.