Fraud Analyst Advisor

Pathward, N.A.; United States; Hybrid; USD 72,000 - 120,000; Full time

Benefits offered by this job

Health insurance

401(k) retirement benefits

Life insurance

Disability benefits

Paid time off

Job summary

Pathward, N.A. is seeking a Fraud Risk Analyst to analyze fraud-related data across alerts, cases, and losses. You will design and interpret fraud KPIs/KRIs to support detection, escalation, and overall program performance.

Collaborate with Compliance, Risk, Product, and Technology to align reporting with regulatory expectations. The role emphasizes translating complex data into executive insights and improving detection, escalation, and resolution outcomes within a hybrid, remote-office setup

Qualifications

• Bachelor's degree or equivalent education; master's preferred.
• 8+ years of related experience typically required.
• Experience in data analysis within financial services, fraud risk management, or payments.
• Ability to handle large data volumes and derive actionable insights.
• Strong analytical and problem-solving skills with business acumen.
• Excellent written and verbal communication.
• Experience with fraud analytics and fraud reporting.
• Familiarity with fraud KPIs/KRIs and regulatory reporting.
• Experience with fraud detection systems or monitoring platforms is a plus.
• Thrives in a fast-paced startup environment.

Responsibilities

• Analyze large, complex datasets to identify fraud trends and control gaps.
• Support development and monitoring of fraud detection models and rules.
• Design and deliver fraud and risk reporting aligned to regulatory standards.
• Translate data into executive-ready insights for cross-functional teams.
• Collaborate with Fraud, Compliance, Risk, Product, and Tech teams.
• Analyze fraud alert and case lifecycle data to identify process inefficiencies.
• Identify opportunities for automation or control enhancements.

Skills

Analytical skills

Data analysis

Communication skills

Data handling

Problem solving

Business acumen

Fraud analytics

Fraud reporting

Regulatory reporting

Startup environment

Education

Bachelor's degree or equivalent

Master's degree preferred

Tools

Fraud detection systems

Alert/case management tools

Transaction monitoring platforms

Job description

We are a hybrid, remote-office company dedicated to growing our talent anywhere!

We have onsite locations in: Sioux Falls, SD, Phoenix, AZ, Louisville, KY, Troy, MI, Franklin, TN, Easton, PA.

At Pathward, we take tremendous pride in our purpose to create financial inclusion for all™.We area financial empowerment company that works with innovators to increase financial availability, choice, and opportunity for all. We strive to remove barriers that traditional institutions put in the way of financial access, and promote economic mobility by providing responsible, secure, high quality financial products.

We are a team of problem solvers and innovators who celebrate our differences and know that our unique perspectives make us stronger and well-positioned for success. We celebrate, and embrace, our team members through our*HUMBLE*HUNGRY*SMARTapproach, and we believe that we are strongest when we embrace the voices of our employees, customers, partners, and the communities we serve.

About the Role:

Within the Fraud Risk Management and Operations function, this role is specifically responsible for analyzing fraud-related data across alerts, cases, losses, and customer activity to identify emerging fraud trends, typologies, and control gaps. The role emphasizes fraud-centric reporting, including the design, production, and interpretation of fraud KPIs/KRIs, to support effective fraud detection, investigation, escalation, and overall program performance.

What You Will Do:

• Analyze large, complex datasets to generate insights across credit performance, fraud trends, and portfolio risk, using descriptive, predictive, and prescriptive analytics, with a primary focus on fraud detection effectiveness, loss drivers, alert-to-case conversion, and emerging fraud typologies.
• Support development and monitoring of fraud detection models, rules, thresholds, and segmentation strategies, ensuring alignment with evolving fraud risks and typologies.
• Design and deliver fraud and risk reporting (KPIs/KRIs) aligned to BSA/AML and enterprise risk standards, ensuring, audit traceability, and clear linkage to control effectiveness, including reporting on fraud losses, alert volumes, investigation outcomes, SAR referral indicators, and operational effectiveness metrics across the fraud lifecycle.
• Translate complex data into actionable, executive-ready insights, while partnering cross-functionally to implement strategies, address control gaps, and enhance overall risk and fraud program performance, including identification of fraud control weaknesses, breakdowns in alerting or investigation processes, and opportunities to improve detection, escalation, and resolution outcomes.
• Partner with Fraud and BSA/AML Operations, Compliance, Risk, Product, and Technology teams to ensure fraud reporting aligns with regulatory expectations and supports effective decision-making, including SAR-related considerations where applicable
• Analyze fraud alert and case lifecycle data (intake, triage, investigation, disposition) to identify process inefficiencies, quality issues, and opportunities for automation or control enhancement.
• Other duties as assigned.

What You Will Need:

• Bachelor's degree or equivalent education and work experience. Master's degree preferred.
• Typically requires a minimum of 8 years of related experience with a bachelor’s or equivalent.
• Experience in data analysis within financial services, fraud risk management, payments, or related domains preferred.
• Ability to handle large volume of data and derive actionable insights.
• Strong analytical and problem-solving skills, combined with solid business acumen.
• Strong written and communication skills with ability to explain complex insights to a range of audiences.
• Experience in the consumer credit industry is a plus.
• Experience with fraud analytics, fraud reporting, payments data, or financial crime data strongly preferred.
• Foundational understanding of fraud typologies (e.g., account takeover, first-party fraud, transaction fraud) and how they manifest in data.
• Experience working with fraud KPIs/KRIs, operational metrics, and regulatory or audit-driven reporting environments is preferred.
• Familiarity with fraud detection systems, alert/case management tools, or transaction monitoring platforms is a plus.
• The ability to thrive in a fast-paced startup environment.

The responsibilities listed above are not all inclusive and may be changed at any time.

Salary range: $72,000 – $120,000

The salary range reflects the minimum and maximum target for a new hire in this role. Individual pay within the range will be determined by multiple factors which can include but are not limited to a candidate’s experience, qualifications, skills, and location. Your recruiter can share more about the specific salary for your location during the hiring process. Ranges may be modified in the future.This role is also eligible for an annual performance-based incentive opportunity. Pathward offers a comprehensive benefits package for eligible employees, including health insurance, 401(k)retirement benefits, life insurance, disability benefits, paid time off, and more.

Don’t have everything listed under qualifications? If you’re excited about this role but your experiences don’t match exactly to everything in the posting, we encourage you to apply anyway. You may be just the right candidate for this or other Pathward roles. Pathward is an equal employment opportunity employer and considers candidates for roles without regard to their race, sex, national origin, ethnicity, age, disability or any other category protected by law.

Who we are:

Our commitment to inclusion is woven into our DNA. We believe that we are strongest when we embrace the voices of our employees, customers, partners, and the communities we serve.

We provide equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, ethnicity, religion, sex, sexual orientation, gender identity, transgender status, pregnancy, national origin, age (age 40 and over), disability, genetic information, marital status, hair texture or hairstyle, ancestry, service in the uniformed services, protected veteran status, status as a victim of domestic violence or any other class protected by federal, state and local laws.

Knowingly submitting false information will result in disqualification for consideration of future positions, termination of employment and forfeiture of other rights.

Voluntary Self-Identification

For government reporting purposes, we ask candidates to respond to the below self-identification survey.Completion of the form is entirely voluntary. Whatever your decision, it will not be considered in the hiringprocess or thereafter. Any information that you do provide will be recorded and maintained in aconfidential file.

As set forth in Pathward, N.A. ’s Equal Employment Opportunity policy,we do not discriminate on the basis of any protected group status under any applicable law.

If you believe you belong to any of the categories of protected veterans listed below, please indicate by making the appropriate selection.As a government contractor subject to the Vietnam Era Veterans Readjustment Assistance Act (VEVRAA), we request this information in order to measurethe effectiveness of the outreach and positive recruitment efforts we undertake pursuant to VEVRAA. Classification of protected categoriesis as follows:

A "disabled veteran" is one of the following: a veteran of the U.S. military, ground, naval or air service who is entitled to compensation (or who but for the receipt of military retired pay would be entitled to compensation) under laws administered by the Secretary of Veterans Affairs; or a person who was discharged or released from active duty because of a service-connected disability.

A "recently separated veteran" means any veteran during the three-year period beginning on the date of such veteran's discharge or release from active duty in the U.S. military, ground, naval, or air service.

An "active duty wartime or campaign badge veteran" means a veteran who served on active duty in the U.S. military, ground, naval or air service during a war, or in a campaign or expedition for which a campaign badge has been authorized under the laws administered by the Department of Defense.

An "Armed forces service medal veteran" means a veteran who, while serving on active duty in the U.S. military, ground, naval or air service, participated in a United States military operation for which an Armed Forces service medal was awarded pursuant to Executive Order 12985.