Fraud Investigator: Card Payments & Risk Analytics

TRS Recovery Services; Berkeley Heights (NJ); On-site; USD 71,000 - 114,000; Full time

Job summary

Fiserv, a global leader in fintech and payments, is seeking a Fraud Investigator in the New Jersey/New York area. You will monitor alerts, review activity, and analyze fraud patterns to reduce losses while protecting legitimate transactions.

You will work with cross-functional teams to balance fraud-loss reduction with customer experience, prepare concise case narratives, and contribute to ongoing improvements in detection strategies. This role requires US work authorization.

Qualifications

• Three or more years of experience in fraud monitoring, fraud operations, card risk, payment operations, banking operations, financial crime or a related field.
• Experience analyzing debit, prepaid, credit, ATM, digital-payment or account-level transactional activity.
• Proficiency with Microsoft Excel and experience working with large datasets, fraud-monitoring platforms, dashboards or reporting tools.
• Ability to recognize suspicious patterns, assess risk and make timely decisions using incomplete or rapidly changing information.
• Strong written documentation skills, including the ability to prepare concise case narratives, trend summaries and management reports.
• Ability to balance fraud-loss reduction with customer experience and legitimate transaction approval.

Responsibilities

• Monitor fraud alerts, transaction activity, account behavior and exception reports across debit and prepaid card portfolios.
• Review alerts promptly and determine whether activity can be closed as legitimate, requires additional investigation or should be escalated for immediate action.
• Analyze card-present, card-not-present, ATM, digital-wallet, account-opening, funding, transfer and account-takeover activity for suspicious patterns.
• Identify emerging fraud trends, attack signatures, concentrations and changes in authorization or loss patterns.
• Perform root-cause analysis of fraud events and recommend appropriate control, process, rule or operational changes.
• Evaluate fraud strategies and rules for effectiveness, including detection rates, false positives, customer impact, prevented loss, confirmed loss and alert volumes.

Skills

Fraud monitoring

Data analysis

Excel

Communication

Documentation

Multi-tasking

Tools

SQL

Power BI

Snowflake

Splunk

Python

Job description

Fiserv, a global leader in fintech and payments, is seeking a Fraud Investigator in the New Jersey/New York area. You will monitor alerts, review activity, and analyze fraud patterns to reduce losses while protecting legitimate transactions.

You will work with cross-functional teams to balance fraud-loss reduction with customer experience, prepare concise case narratives, and contribute to ongoing improvements in detection strategies. This role requires US work authorization.