Fraud Analyst

ORNL Federal Credit Union; United States; On-site; USD 55,000 - 85,000; Full time

Job summary

ORNL Federal Credit Union seeks a Fraud Analyst to manage the fraud loss program, educate staff and members, and investigate suspicious activity across cards, ACH, and other payment channels. The role emphasizes proactive prevention and timely response to fraud events.

You will collaborate with branches, vendors, and leadership to document findings, support recovery efforts, and provide testimony when required. Strong communication and attention to detail are essential.

Qualifications

• Minimum 3 years of fraud prevention experience is required.
• Knowledge of financial fraud procedures and protocols.
• Strong analytical and data interpretation skills.

Responsibilities

• Develops internal anti-fraud processes and works with cards/ACH/vendors to mitigate fraud.
• Educates employees and members to recognize and respond to fraud.
• Researches and processes fraud debit card disputes and communicates outcomes to members/merchants.
• Analyzes data from branches and digital channels to identify fraud patterns and improve controls.
• Maintains loss data and dashboards for leadership and accounting reports.
• Acts as liaison to law enforcement and may provide court testimony.

Skills

Fraud prevention

Data analysis

Communication skills

Detail-oriented

Problem solving

Microsoft Excel

Google Workspace

Education

Associates Degree in business related field

Tools

Google Workspace

Microsoft Office Suite

Excel

Job description

Description

Role: The Fraud Analyst will administer the fraud loss program, including providing educational resources, investigation of fraud activity, and the prevention and recovery of credit union losses due to fraud.
Essential Functions and Responsibilities:

• Develops internal processes and procedures to prevent or minimize fraud. Works collaboratively with cards, ACH, and other vendors to implement rules and/or mitigation steps to prevent fraudulent authorizations/transactions/postings.
• Educates credit union employees and members to identify and respond to potential fraud situations.
• Researches and processes fraud debit card disputes which include credited members, declining disputes, working reversals and direct contact with members and merchants.
• Reviews and analyzes data and activity from branches, remote services, digital, internal departments, and industry trends to determine patterns and areas of potential fraud. Works with key stakeholders to implement changes in processes and procedures designed to reduce and/or eliminate fraudulent activity.
• Provides data and retains records on credit union losses that are provided to leadership, monthly accounting reports and through the appropriate channels. Works collaboratively with legal counsel and key stakeholders to actively recover funds associated with fraud losses.
• Acts as liaison to local, state, and federal law enforcement agencies, providing needed documentation for prosecutions.
• Acts as a representative for the Credit Union by delivering court testimonies for both defense and prosecution court cases. Maintains case log and other supporting resources and documentation.
• Performs other job-related duties as assigned.

Experience:

• Minimum 3 years with fraud prevention with a general knowledge of financial fraud procedures and protocol Required

Education:

• Associates Degree in a business related field, or an equivalent combination of education and experience Required

Other Skills Required:

• Must have strong computer skills and strong communications by maintaining respect and dignity while assertively explaining the situation demonstrating crucial conversation skills.
• Must be detail-oriented and possess excellent organizational skills.
• Must be able to communicate professionally, persuasively and effectively in verbal and written form.
• Must possess critical thinking and reasoning ability.
• Must be proficient in Google Workspace and Microsoft Office Suite, particularly Excel.
• Must possess ability to work effectively under pressure and be capable of handling a variety of assignments simultaneously.
• Must have flexibility and willingness to work at a rapid pace in strict time frames.
• Must possess effective planning, organizational, time-management and problemsolving skills.
• Hearing - Perceiving the nature of sounds at normal speaking levels with or without correction. Ability to receive detailed information through oral communication, and to make the discriminations in sound.
• Repetitive Motions - Substantial movements (motions) of the wrists, hands, and/or fingers.
• Lifting - Ability to lift up to 10 pounds and exert 10 pounds of force on an occasional basis.
• Talking - Expressing or exchanging ideas by means of the spoken word. Those activities in which they must convey detailed or important spoken instructions to others accurately, loudly, or quickly.
• Visual Abilities - Average, ordinary, visual acuity necessary to prepare or inspect documents or products, or operate machinery.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
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