Fraud Analyst

Pibank USA; Miami (FL); On-site; USD 60,000 - 90,000; Full time

Job summary

Pibank USA is seeking a Fraud Analyst to detect, investigate, and resolve suspected fraudulent activity across its digital banking channels in Miami. You will monitor and analyze transactions, coordinate with Operations, Compliance, and Customer Service, and document case evidence in line with SLAs.

The role requires at least 3+ years in fraud investigations within banking, strong analytical and communication skills, and the ability to work independently while managing multiple priorities.

Qualifications

• Bachelor’s degree or equivalent experience in a related field.
• 3+ years of fraud investigation experience in banking or financial services.
• Experience reviewing fraud alerts and conducting transaction investigations.
• Strong analytical skills and clear documentation and communication.

Responsibilities

• Review and investigate fraud alerts related to wires, ACH, PLAID transfers, deposits, and account behavior.
• Analyze transactions and customer activity to identify fraud and financial crime risks.
• Document investigations clearly in case management systems and maintain audit readiness.
• Perform customer verification and coordinate callbacks with Customer Service and Operations.
• Escalate high‑risk or unusual cases with clear analysis and recommendations.
• Support time‑sensitive reviews, including wire release approvals, per SLAs.
• Identify fraud trends and contribute insights to improve controls.
• Collaborate with BSA/AML and Compliance on referrals and regulatory requirements.
• Support internal audits and regulatory exams with documentation and evidence.

Skills

Fraud investigation

Transaction monitoring

Analytical thinking

Written communication

Independent work

Education

Bachelor’s degree in Business/Finance/Criminal Justice/Risk Management

Tools

ECS Retina

NICE Actimize

Salesforce

Job description

The Fraud Analyst – Pibank is responsible for the timely detection, investigation, analysis, and resolution of suspected fraudulent activity across Pibank’s digital banking channels. This role performs day‑to‑day fraud monitoring and investigation activities, supports regulatory compliance, and ensures accurate documentation and case management in accordance with established policies, procedures, and Service Level Agreements (SLAs).

The position requires an experienced, independent analyst capable of making sound risk decisions, coordinating with internal stakeholders (Operations, Customer Service, BSA/AML, Compliance), and supporting audit and regulatory readiness.

Key Responsibilities:

• Review and investigate fraud alerts related to Pibank activity (wires, ACH, PLAID transfers, deposits, and account behavior).
• Analyze transactions and customer activity to identify potential fraud, scams, account takeover, mule activity, and other financial crime risks.
• Document investigations clearly and accurately in case management systems in accordance with procedures and audit standards.
• Perform customer verification and coordinate customer callbacks when needed through Customer Service and Operations.
• Escalate complex, high‑risk, or unusual cases to Fraud Management with clear analysis and recommendations.
• Support time‑sensitive reviews, including wire release approvals, while meeting established SLAs.
• Identify fraud trends and recurring risk patterns and contribute insights to improve fraud controls and monitoring rules.
• Partner with BSA/AML and Compliance on referrals, red flags, and regulatory requirements.
• Support internal audits, regulatory exams, and reviews by providing documentation and case evidence.

Required Qualifications:

• Bachelor’s degree in business, Finance, Criminal Justice, Risk Management, or related field (or equivalent experience).
• Experience with transaction monitoring systems (e.g.,ECS Retina, NICE Actimize, etc.)
• 3+ years of fraud investigation experience in a bank or financial services environment.
• Hands‑on experience reviewing fraud alerts and conducting transaction investigations.
• Strong analytical skills and sound judgment when assessing risk.Excellent written documentation and communication skills.
• Ability to work independently, manage multiple priorities, and meet deadlines.

Preferred Qualifications:

• Experience with digital banking fraud, wire fraud, or payment‑related investigations.
• Experience with case management tools (Salesforce or similar)
• Familiarity with fraud monitoring systems and case management tools.
• Exposure to audit or regulatory exam support.
• Knowledge of FFIEC and fraud‑related regulatory expectations.