Fraud Reporting Analyst

Pathward; United States; Hybrid; USD 60,000 - 101,000; Full time

Benefits offered by this job

Health insurance

401(k) retirement benefits

Life insurance

Disability benefits

Paid time off

more

Job summary

Pathward is seeking a Fraud Analytics Analyst to join our Hybrid team supporting fraud risk management and operations. You will consolidate diverse data sets, generate insights, and develop KPIs/KRIs to monitor fraud performance across alerts, cases, losses, and customer activity.

You'll partner with Fraud Operations, Compliance, Risk, Product, and Technology to design reporting, validate data, and improve detection, escalation, and resolution outcomes in a fast-paced environment.

Qualifications

• Bachelor's degree or equivalent education and work experience.
• Up to 2+ years with 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.

Responsibilities

• Analyze large, complex datasets to generate insights across credit performance, fraud trends, and portfolio risk.
• Support development and monitoring of fraud detection models, rules, thresholds, and segmentation strategies.
• Design and deliver fraud and risk reporting (KPIs/KRIs) aligned to BSA/AML and enterprise risk standards.
• Establish and maintain data governance and validation processes, including reconciliations and lineage tracking.
• Translate complex data into actionable, executive-ready insights and collaborate across teams.
• Partner with Fraud Operations, Compliance, Risk, Product, and Technology to align reporting with regulatory expectations.
• Analyze fraud alert and case lifecycle data to identify process inefficiencies and opportunities for automation or control enhancement.
• Other duties as assigned.

Skills

Data analysis

Fraud risk management

Analytical skills

Communication skills

Education

Bachelor's degree or equivalent

Tools

Fraud analytics 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, Scottsdale, 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 are a 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 strong *HUMBLE*HUNGRY*SMART approach, 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:

Develop and program methods, processes, and systems to consolidate and analyze diverse data sets to generate insights and solutions for customer solutions and program enhancement. Identify and interpret insights from data sources and communicate findings to management. 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 data integrity, 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.
• Establish and maintain data governance and validation processes, including reconciliations, lineage tracking, and documentation to support audit and regulatory requirements, with a focus on fraud data accuracy, completeness, and traceability across upstream systems (e.g., transaction data, alerting platforms, and case management tools)
• 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 Operations, Compliance (BSA/AML), 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.
• Up to 2+ years with 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.

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

Salary range: $60,000 – $100,500

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.

• health insurance
• 401(k) retirement benefits
• life insurance
• disability benefits
• paid time off
• 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.

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