Digital Fraud Risk Analyst

1st United Credit Union; Pleasanton (CA); On-site; USD 90,000 - 120,000; Full time

Job summary

1st United Credit Union in Pleasanton, CA is seeking a Digital Services Fraud Analyst to protect members and reduce fraud losses. You will investigate suspicious activity, analyze data, and develop fraud rules and controls to balance security with member experience.

The role requires 5–7 years in fraud investigations or risk management, a bachelor’s degree, and knowledge of Regulation E and payment network rules. You will partner with teams, prepare reports, and stay current on industry trends.

Qualifications

• 5–7 years in fraud investigations, banking operations, card services, risk management, or related experience.
• Bachelor's degree or equivalent combination of education, specialized training, and relevant experience.
• Strong knowledge of Regulation E and applicable federal and state regulations related to fraud and disputes.
• Experience with Visa, Pulse, CO-OP, and payment network operating rules preferred.
• Excellent communication skills for interviews, reports, and stakeholder collaboration.

Responsibilities

• Conduct daily reviews and investigations of suspicious account and transaction activity.
• Analyze transaction data, fraud monitoring reports, and risk intelligence to identify emerging fraud trends and high-risk activity.
• Perform common point-of-compromise investigations and review fraud alerts from card networks and external sources.
• Implement proactive measures to reduce fraud losses and protect member accounts.
• Develop, maintain, and optimize fraud detection rules and strategies.
• Monitor fraud rule effectiveness and adjust parameters as needed to balance fraud prevention, authorization rates, and member experience.
• Recommend enhancements to internal controls and fraud prevention processes.

Skills

Fraud investigations

Analytical skills

Communication skills

Attention to detail

Multitasking

Education

Bachelor's degree or equivalent

Tools

Visa Risk Manager

Visa Data Manager

Visa DPS CATS

Microsoft Office (Excel, Word, PowerPoint)

Job description

1st United Credit Union in Pleasanton, CA is seeking a Digital Services Fraud Analyst to protect members and reduce fraud losses. You will investigate suspicious activity, analyze data, and develop fraud rules and controls to balance security with member experience.

The role requires 5–7 years in fraud investigations or risk management, a bachelor’s degree, and knowledge of Regulation E and payment network rules. You will partner with teams, prepare reports, and stay current on industry trends.