Fraud Analyst

Till Financial, Inc; United States; Remote; USD 70,000 - 105,000; Full time

Benefits offered by this job

Health, dental, vision

HSA with company contribution

Parental leave

Flexible time off

Remote-first

Job summary

Till Financial in the United States is seeking a Fraud Analyst to own real-time and batch fraud detection across the customer lifecycle, investigate alerts, and strengthen controls with Product and Engineering.

You’ll partner with Compliance on BSA/AML, OFAC, and identity verification, document case narratives, and help reduce false positives while maintaining strong detection. This role offers remote-first collaboration.

Qualifications

• Bachelor's degree required.
• 4+ years in fraud operations or AML/financial crimes.
• Strong knowledge of BSA/AML fundamentals (SARs, UARs, OFAC, CIP/CDD).
• Excellent written case narratives and documentation.

Responsibilities

• Monitor real-time and batch fraud queues for suspicious activity.
• Investigate alerts from rules engines and third-party tools.
• Maintain audit-ready case records and escalation workflows.
• Perform OFAC screening on onboarding and ongoing.
• Collaborate with Product and Engineering to tighten controls.
• Support BSA/AML audits and regulatory exams.

Skills

Fraud operations

AML compliance

Data analysis

Written communication

Attention to detail

Fast-paced environment

Education

Bachelor's degree

Tools

Sift

Socure

Cognito

Plaid

Astra

Zendesk

SQL

Job description

About Till Financial

Till is a banking platform built for families: debit cards, accounts, and tools that help parents raise financially capable kids. We were recently acquired by Western & Southern Financial Group, a Fortune 500 company with $132 billion in assets and 6.3 million customers across insurance, investment, and retirement businesses.

Most consumer fintech assumes one person managing their own money. Families don't work that way. A kid finishes a chore, an allowance fires, a parent sets up a savings goal, a card swipes at checkout, all hitting one shared ledger, with separate kid and parent app experiences staying in sync. Building this for real families (blended households, multiple guardians, teens growing into young adults) and doing it inside the regulatory perimeter for minors is genuinely hard, and it's what Till excels at.

This is a rare chance to join a mission-driven fintech at an inflection point. With the backing of Western & Southern Financial Group, we have the runway and resources to build ambitiously while staying small, lean, and focused. You'll have real ownership and real impact from day one.

About the Role

Family banking has a distinct fraud profile. Minor cardholders face unauthorized transactions they didn't initiate or don't recognize. Parent account owners are targets for identity theft and account takeover. And "friendly fraud," (often a kid spending without their parent’s knowledge), requires careful review and a sensitive resolution. Despite this, Till has one of the lowest dispute rates among all partners at our sponsor bank (Coastal Community Bank), and we intend to keep it that way as we scale.

As Till's Fraud Analyst, you will own fraud detection throughout the customer lifecycle transaction monitoring, and suspicious activity investigation, reporting directly to the Head of Compliance. This is a hands-on role with real ownership from day one. We are looking for someone who will take responsibility for fraud outcomes end-to-end - investigating suspicious activity, identifying gaps in our detection, and partnering with Product and Engineering to make Till's controls better.

The right person will be intellectually curious, comfortable with ambiguity, and excited to build something rather than simply maintain it. As Till's in-house Compliance function grows, this role is positioned to grow with it.

Your day-to-day

• Monitor real-time and batch transaction queues for suspicious or anomalous activity.
• Investigate fraud alerts generated by internal rules engines and third-party tools (e.g. Sift, Astra, Plaid).
• Suspicious activity escalation and reporting; maintain audit-ready case records.
• OFAC screening review at onboarding and continuously.
• Track fraud trends and propose rule-tuning to reduce false positives without sacrificing detection.
• Identify gaps in our fraud detection program and propose process improvements.
• Coordinate with Customer Service (via Zendesk) on account holds, dispute resolutions, and Reg E timelines.
• Partner with Product and Engineering on customer-facing fraud controls, and surface fraud risks early in the product development cycle.
• Support BSA/AML audits, regulatory exams, and internal testing.
• Cross-coverage on identity verification and KYC reviews (Cognito), Plaid name-mismatch reviews, and watchlist administration as needed.
• Prepare recurring fraud metrics and loss reporting for leadership.

What you’ll bring

Required

• 4+ years of experience in fraud operations, financial crimes, AML compliance, or banking operations.
• Working knowledge of BSA/AML fundamentals - SARs, UARs, OFAC, CIP/CDD - and an interest in deepening that expertise.
• Strong analytical mindset; comfort working with transaction data, identifying patterns, and explaining your reasoning in writing.
• Clear written communication - case narratives, escalation memos, and process documentation are core deliverables.
• High attention to detail and the judgment to flag ambiguous cases for escalation rather than rubber-stamping.
• Comfort operating in a fast-paced, evolving environment.
• Bachelor's degree required.
  

Preferred

• Hands-on experience with Sift, Socure, Cognito, Plaid, Astra, Zendesk, or comparable fraud, identity, and customer support tooling.
• Familiarity with sponsor-bank-model fintech operations (BaaS).
• Experience drafting SARs or UARs.
• Experience reviewing identity documentation for authenticity.
• SQL or basic data tooling familiarity (Metabase or comparable).
• ACAMS, CFE, or in-progress certification.

Compensation & Benefits

Base salary range: $70,000 - $105,000 USD, depending on experience and location.

• Annual bonus based on experience
• Health, dental, and vision coverage
• HSA with company contribution
• Parental leave
• Flexible time off
• Remote-first, NYC preferred for occasional in-person collaboration

Logistics

Till is an equal opportunity employer. We're building a team that reflects the families we serve and welcome candidates from all backgrounds, identities, and experiences.

Candidates must be authorized to work in the United States. Till Financial is not able to sponsor employment visas (e.g., H-1B) at this time.