Fraud Operations Analyst

Mountain America Credit Union; Sandy (UT); Hybrid; USD 65,000 - 80,000; Full time

Job summary

Mountain America Credit Union seeks a Fraud Operations Analyst to support early detection and resolution of suspicious activity across multiple transaction types. You will use fraud detection systems, secure accounts, and respond to fraud-related inquiries while focusing on accuracy and member empathy.

The role requires 2+ years in fraud or 3+ years in banking/financial services, with hybrid work in Sandy, UT.

Qualifications

• High School diploma or equivalent plus 2 years fraud experience, or 3 years in banking/financial services.
• Bachelor’s degree in Cybersecurity, Information Systems, Computer Science, Data Analytics, or Finance with relevant projects/certifications may qualify.
• Relevant technical certifications or academic achievements in cybersecurity, data analytics, or fraud prevention are desirable.

Responsibilities

• Monitor and analyze alerts using fraud detection platforms to identify suspicious activity across transactions.
• Take action to restrict accounts, block transactions, and contact members when fraud is suspected.
• Review affected accounts and adjust restrictions based on alert activity; prepare reports on incidents and outcomes.

Skills

Fraud detection

Risk assessment

Analytics

Banking processes

Education

High School diploma or equivalent

Bachelor’s degree (Cybersecurity/IS/CS/Data Analytics/Finance)

Tools

Fraud case management systems

Secure communication protocols

Internet security tools

Job description

Fraud Operations Analyst# \\_## Fraud Operations AnalystApply: Sandy, UT: Full time: Posted Today: R20944# **Please reference the schedule and minimum qualifications listed below before applying.**If you need assistance with filling out our application form or during any phase of the application, interview, or employment process, please notify our Human Resources Team at 801-366-6947 option 1 or email [e-mail] and every reasonable effort will be made to accommodate your needs in a timely manner.# **Job Summary**Support the early detection and resolution of suspicious activity across multiple transaction types to protect members from fraud and financial loss. This foundational role identifies suspicious activity using fraud detection systems, secures accounts and responds to fraud-related inquiries. Analysts work in a fast-paced environment, collaborating with internal teams and escalating cases as needed. The role emphasizes accuracy, member empathy, and a strong commitment to fraud prevention, while building the skills necessary for future advancement in fraud operations.# **Job Description****LOCATION:**HybridMountain America Center9800 South Monroe StreetSandy, UT 84070 **SCHEDULE:**10:30-7:30 M-F with rotating Saturdays. To be effective, an individual must be able to perform each job duty successfully.* Monitor and analyze alerts using multiple fraud detection platforms to identify suspicious activity across all types of transactions.* Take immediate action to restrict accounts, block transactions, and initiate member contact when fraud is suspected.* Thoroughly review affected accounts and adjust restrictions as needed based on review of alert activity.* Serve as a subject matter expert for fraud-related inquiries from branches, service teams, and members, providing clear guidance and resolution support.* Educate members on evolving fraud tactics, digital hygiene, and account protection best practices.* Respond to inbound calls from branches, service teams, and members, providing clear and empathetic support for fraud-related concerns.* Troubleshoot issues related to blocked transactions caused by fraud rules and ensure timely resolution.* Maintain accurate and detailed records of fraud-related activities, including alert outcomes and member interactions.* Assist in preparing reports on fraud incidents and resolution outcomes for internal tracking and compliance.* Collaborate with Fraud Data Analysts to communicate findings, trends, and anomalies in card fraud activity.* Share insights and feedback to improve fraud detection strategies and alert system performance.* Comply with all applicable regulations, including the Bank Secrecy Act, OFAC, FACT Act, GLBA, Regulation CC, Regulation DD, Regulation Z, Regulation E, and others relevant to fraud operations.* Participate in team huddles, training sessions, and continuous learning opportunities to stay informed on emerging fraud tactics.* Uphold Mountain America’s mission, vision, and values by delivering responsive, member-focused fraud support and resolution.* Perform other duties as assigned.**KNOWLEDGE, SKILLS, and ABILITIES**The requirements listed are representative of the knowledge, skills, and/or abilities required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job functions. **Experience and Education*** High School diploma or equivalent plus a minimum 2 years of fraud experience, OR 3 years of experience in banking, financial services, or a related industry is required.* Candidates without direct professional fraud or financial services experience may qualify with a Bachelor’s degree in Cybersecurity, Information Systems, Computer Science, Data Analytics, Finance, or a related technical field along with relevant projects, internships, or certifications. **Licenses/Certifications**Relevant technical certifications or academic achievements in areas such as cybersecurity, data analytics, or fraud prevention are desired. **Computer/Office Equipment Skills*** Proficient in Windows OS, internet browsers, email platforms, and intermediate-level Microsoft Word and Excel.* Familiarity with fraud case management systems and secure communication protocols.* Understanding of internet security and digital identity verification tools. **Managerial Responsibility**No supervisory responsibilities. **Language Skills*** Ability to read and interpret procedures, alerts, and fraud indicators.* Strong verbal and written communication skills for member interaction and documentation.* Ability to present findings and recommendations clearly to internal teams. **Other Skills and Abilities*** Demonstrated expertise in fraud detection, risk assessment, or analytics, gained through professional experience or hands-on involvement with industry-standard platforms and tools.* Proficiency in banking and financial services processes, with a solid understanding of industry regulations, compliance requirements, and operational workflows.* Technical skills in cybersecurity, information systems, computer science, data analytics, or finance, with the ability to analyze complex data sets to identify fraudulent patterns or risks.* Experience with projects or internships that involve fraud detection, risk management, or the use of analytics technologies to solve business challenges.* High attention to detail and accuracy.* Strong sense of urgency and accountability.* Willingness to learn and adapt to new fraud trends and technologies.* Empathy and professionalism when supporting members impacted by fraud.* Critical thinking and problem-solving skills in high-pressure situations. **PHYSICAL ABILITIES / WORKING CONDITIONS** **Physical Demands**Must be able to use hands to handle/feel occasionally.Ability to stand, walk, sit, talk, and hear consistently. **Vision Requirements**Close vision (clear vision at 20 inches or less).Distance vision (clear vision at 20 feet or more).Color vision (ability to identify and distinguish colors). **Weight Lifted or Force Exerted**Frequently lifts up to 10 pounds, occasionally lifts up to 25 pounds. **Environmental**Typical office environment with no unusual factors. **Noise Environment**Moderate noise (business office with computers and printers, light traffic). Mountain America Credit Union is an EEO/AA/ADA/Veterans employer.